The Wells Fargo Autograph® Card (see charges and charges) gained No-Annual-Charge Credit score Card of the 12 months on the 2026 TPG Awards. That is fairly the achievement, contemplating simply what number of no-annual-fee playing cards are available on the market proper now.
Whereas it could not have the flashy advantages of a premium journey rewards card, the Wells Fargo Autograph holds its personal. Listed here are 4 methods it rises above its competitors.
A useful welcome bonus
The Autograph‘s welcome provide might not appear that nice at first look, however its worth goes up considerably when you keep in mind that this card affords entry to Wells Fargo’s switch companions.
New cardholders can earn 20,000 bonus Wells Fargo Rewards factors after spending $1,000 on purchases within the first three months of account opening. These bonus factors are value $330 primarily based on TPG’s February 2026 valuations.
An effective way to make use of these 20,000 bonus factors could be to switch them to Air France-KLM Flying Blue and redeem them for one-way home flights on Delta Air Strains.
Different no-annual-fee bank cards provide an identical variety of bonus factors of their welcome affords, however many require pairing the no-annual-fee card with a extra premium card to realize entry to switch companions.
Associated: The perfect bank card welcome bonuses this month
Switch companions with out an annual price
Only a few no-annual-fee playing cards provide factors transfers to loyalty companions. That is one of many Autograph‘s largest benefits.
Whereas Wells Fargo solely has seven switch companions on provide proper now, it is slowly constructing its roster. Key companions embrace Air France-KLM Flying Blue, British Airways Membership and Virgin Atlantic Flying Membership.
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Should you’re new to the world of transferable rewards, I consider the Autograph is a good start line. It enables you to dip your toes into journey rewards with out committing to an annual price.
Associated: How (and why) you need to earn transferable bank card factors
Robust on a regular basis bonus classes
Apart from missing entry to switch companions on their very own, one frequent draw back of no-annual-fee playing cards is the absence of robust bonus classes. Fortunately, the Autograph does not slack right here in any respect, incomes 3 factors per greenback spent on:
- Eating
- Eligible streaming providers
- Fuel stations and electrical automobile charging station purchases
- Telephone plans
- Transit (together with ride-hailing providers)
- Journey
This perk is the primary purpose why I like to recommend the Autograph to anybody desirous about having a one-card pockets. The Autograph covers virtually the entire most typical on a regular basis spending classes, with groceries being the one main class lacking.
It is also notable that this card affords bonus factors on cellphone plans since that incomes class is usually discovered on enterprise playing cards.
And by charging your cellphone plan to your Autograph, you will obtain as much as $600 in cellphone safety (topic to a $25 deductible). Should you presently pay for insurance coverage out of your provider, the Autograph can put that cash again in your pocket every month.
Associated: Greatest bank cards for on a regular basis spending
A strong 0% introductory APR
No-annual-fee playing cards typically provide a 0% introductory annual proportion price plan to new cardholders. I’ve used 0% APR plans up to now to assist me repay surprising purchases over time.
No matter what it’s worthwhile to finance, the Autograph could also be a good selection.
It affords new cardholders a 0% introductory APR on purchases for 12 months (then an 18.49%, 24.49% or 28.49% variable APR thereafter). It is necessary to notice that this introductory APR does not apply to steadiness transfers, which differs from the affords we usually see on different no-annual-fee playing cards.
Which means the Autograph is greatest for financing giant or surprising purchases reasonably than consolidating debt.
Associated: Listed here are 3 dependable methods to repay bank card debt
Backside line
With all these perks, it is easy to see how the Wells Fargo Autograph gained TPG’s 2026 No-Annual-Charge Credit score Card of the 12 months award. It is a pressure to be reckoned with within the no-annual-fee card area, with robust incomes classes, a strong welcome bonus and entry to Wells Fargo’s rising record of switch companions.
If I needed to begin my bank card journey once more, I would undoubtedly contemplate the Autograph for a primary bank card. Even in case you’re a seasoned factors and miles professional with a dozen bank cards, the Autograph could be an effective way to check out Wells Fargo’s ecosystem.
To be taught extra, take a look at our full overview of the Wells Fargo Autograph.
Apply right here: Wells Fargo Autograph Card
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