Maximize rewards with a welcome bonus and lots of 3X bonus categories
The Wells Fargo Autograph℠ Card was extremely popular as soon as it launched, largely because of all its bonus opportunities. You earn a welcome offer of 20,000 bonus points (a $200 cash redemption value) after spending $1,000 in the first 3 months. That's one of the most valuable welcome bonuses for a card with no annual fee.
You'll probably also have no trouble earning bonus rewards on your regular spending. This card earns an unlimited 3X points per $1 in the following categories:
- Restaurants
- Travel
- Gas and EV charging stations
- Transit
- Popular streaming services
- Phone plans
It's a great mix, especially since you'll be earning bonus points on travel and several everyday spending categories. Many credit cards only have a small number of bonus categories, but this card has six of them.
Transferable points: Great for saving money on travel
My favorite feature on this card is the reward redemption options. You can always get at least $0.01 per point by redeeming rewards for travel, gift cards, and toward previous purchases you've made.
In addition, you can transfer points to Wells Fargo's travel partners. After you've transferred points, you can use them to book travel through that pattern's loyalty program. Wells Fargo's lineup of partners includes:
- Aer Lingus AerClub
- Air France/KLM Flying Blue
- Avianca LifeMiles
- British Airways Executive Club
- Iberia Plus
- Choice Hotels
- Virgin Atlantic Flying Club
There aren't many no annual fee cards that have transferable points, and this perk can help you save big. In the past, I've transferred rewards to Avianca LifeMiles, Flying Blue, and Iberia Plus, turning my points into miles in those programs. Then, I've used those miles to book international airfare that would've otherwise cost thousands of dollars.
A 0% intro APR lets you pay off big purchases over time interest free
It's easier to pay large expenses over time, in monthly installments. But it's normally cheaper to pay in full upfront, because you won't get charged interest. With this Wells Fargo card, you get the best of both worlds.
This card has a 0% intro APR on purchases for the first 12 months from account opening. After that, the go-to 19.24%, 24.24%, or 29.24% Variable APR applies going forward. So if you have a $4,500 home repair that you can't pay right now, you could open this card and pay it off with 12 monthly payments of $375.
A quick word of caution: Only use this benefit if you really need it. Some people see a 0% intro APR as an excuse to spend more. You're still going into debt, even if you aren't getting charged interest during the intro period.
Save on some of the most common credit card fees
This card has no annual fee, which is always important if you're trying to keep costs down. It also has no foreign transaction fee. You won't need to pay an extra 3% on purchases you make during international trips, like you would with a lot of cards.
With no foreign transaction fee and its other travel perks, this is one of the better travel credit cards. It also helps that this is a Visa® Signature card, as Visa and Mastercard are the two most widely accepted payment networks. Their cards are more likely to be accepted outside the United States than American Express and Discover cards.
Complimentary insurance coverage for your cellphone and rental cars
The Wells Fargo Autograph℠ Card has a couple of useful extra protections. If you pay your wireless bill with it, it offers cellphone protection for damage, theft, and involuntary and accidental parting. The coverage limit is $600 per claim (with a $25 deductible) and two claims per 12-month period.
You also won't need to feel pressured to pay extra for insurance when you rent a car. Just pay with this Wells Fargo card instead, because it includes an auto rental collision damage waiver covering damage and theft.
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