According to the latest terms, point transfers on this card will launch on April 4. The annual-fee Autograph Journey has already launched, so this timing is likely accurate as well. Based on earlier reports, the transfer partners are as follows:

  • At a 1:1 ratio: Avianca LifeMiles, British Airways Executive Club, Iberia Plus, Aer Lingus AerClub, Air France KLM Flying Blue;
  • At a 1:2 ratio: Choice Privileges

The transfer partner lineup is still fairly average. It still lacks the major U.S. airlines, and on the hotel side there is only Choice. Hopefully it will gradually expand over time, similar to Bilt.

Wells Fargo Autograph Credit Card Review

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Full review

Wells Fargo Autograph Credit Card

Lots of 3x categories; no annual fee!

  • Welcome bonus: 20,000 points (spend $1,000 in the first 3 months)
  • Rewards: 3x points on dining, travel, gas, transit, cell phone plans, and streaming services; 1x on everything else
  • Redemption: Redeem for cash back at 100 points = $1
  • Annual fee: $0
  • Apply now>>

Benefits

  • Broad 3x categories: Dining includes both dine-in and takeout; travel includes airfare, hotels, car rentals, cruises, and more; gas includes both gas stations and EV charging; transit includes rideshare, subway, parking, and tolls; phone service includes wireless and landline bills.
  • Cell phone protection included: If you use this card to pay your monthly cell phone bill, you can receive up to $600 in coverage if your phone is damaged or stolen (with the first $25 paid out of pocket). See also: Guide to Credit Card Cell Phone Protection
  • Free FICO score: Provides your Experian FICO credit score each month. See also: Which Free Credit Score Is Best?
  • 0 APR for 12 months: For the first 12 months after account opening, both purchases and balance transfers have no interest. See also: Guide to 0 APR Strategies
  • No Foreign Transaction Fee (FTF): Most cards with no foreign transaction fee come with an annual fee, so it’s nice that this card has no annual fee. See also: FTF Guide

My Take

As a no-annual-fee card, it is quite impressive that this card earns 3x points across so many categories. After all, banks typically only collect around 1%-3% in swipe fees, so giving back this much feels a bit generous. If you can get approved for this card, it is a very good one to keep for the long term.

According to a doc, it is now possible to product change from other Wells Fargo credit cards to this one. If you have some unused drawer cards, switching one over to this card could be a great move, given the broad 3x categories and no annual fee. Only certain cards are excluded, such as debit cards, the co-branded Hotels.com card, and the AMEX version of Propel. Of course, applying directly also comes with a $300 bonus, which is also quite good.

It’s now possible to product change to this card. Most Visa® credit card types are available to switch with the exception of College, Secured, The Private Bank, Wells Fargo Advisors, Hotels.com® and any Propel American Express® cards.

How to Apply

Wells Fargo Credit Card Application Guide

  • Application status check link. Or call: (800) 967-9521
  • If you applied for one of their cards within the past 6 months, you will not be approved for a new personal card. For Hotles cards, the restriction is 15 months. For business cards, the restriction is 12 months.
  • Wells Fargo credit cards appear to have an unknown limit on the total number of cards you can hold. You may need an SSN, and you may need to be a U.S. citizen or green card holder to apply.
  • You can call the reconsideration line at 866-412-5956 to speed up credit card approval or request a review of a denied application.
  • Having a Checking account may help with getting approved for a credit card.
  • More about applying for Wells Fargo credit cards

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