This no-annual-fee card comes with solid ongoing rewards, a lucrative sign-up bonus and valuable travel perks.
Updated Jun 19, 2024 8:04 a.m. PDT · 1 min read Written by Caitlin Mims Content Management Specialist Caitlin Mims
Content Management Specialist | Credit cards, credit score
Caitlin Mims is a content management specialist on the credit cards team at NerdWallet. Before joining NerdWallet, she was an editor at CreditCards.com and Bankrate. Caitlin has written about personal finance for seven years and has covered credit cards, credit scores, retirement planning and the financial challenges women face.
Erin Hurd
Credit cards, rewards, personal finance
Erin is a former writer and assigning editor on the NerdWallet Content team who now heads NerdWallet's travel business. She's a credit card and travel rewards expert at NerdWallet, based in Baltimore, Maryland. She has spent nearly two decades showing readers unique ways to maximize their investments and personal finances. Prior to joining NerdWallet, Erin worked on dozens of newsletters and magazines in the areas of investing, health, business and travel with Agora Publishing. Her love of travel led to a passion for credit card and loyalty rewards to subsidize trips, and she thrives on teaching others how to harness the power of credit card rewards. When she's not helping NerdWallet readers find the best travel value, Erin is planning her next adventure for her family of four using points and miles.
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Nowadays, most travel credit cards charge an annual fee in exchange for lucrative rewards and travel-friendly perks. So if you're against paying a fee to carry a credit card, most travel credit cards won't make the cut.
Enter the Wells Fargo Autograph℠ Card , which offers standout rewards in multiple popular spending categories, plus valuable travel protections — all for a $0 annual fee.
Here are the card's benefits.
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Learn MoreNo matter how you spend your money, you’ll be able to rack up rewards quickly with the Wells Fargo Autograph℠ Card .
Cardholders earn 3 points per dollar spent on a whopping six bonus categories:
Restaurants. Gas stations and EV charging stations. Select streaming services. Phone plans.All other purchases made on the Wells Fargo Autograph℠ Card earn 1 point per dollar spent.
Cardholders of the Wells Fargo Autograph℠ Card have access to My Wells Fargo Deals, which gives you extra bonus points at select stores for a limited time. Once you activate the offer, you'll earn extra rewards on in-store or online purchases.
Wells Fargo gives cardholders the ability to redeem points for a statement credit, travel booked through Wells Fargo, gift cards and when checking out online through PayPal. Points are worth 1 cent apiece with each of these options.
But you also have the ability to transfer rewards to a number of different loyalty programs, which can earn you outsize value. For example, you can transfer points from the Wells Fargo Autograph℠ Card to the Air France/KLM Flying Blue loyalty program at a 1:1 ratio, meaning you'll get 1 mile for every point you transfer. Since NerdWallet values Flying Blue miles at 1.2 cents apiece, a smart redemption could increase the value of your points by 20% or more.
Full list of Wells Fargo transfer partnersYou won’t pay anything to carry the Wells Fargo Autograph℠ Card , because it doesn’t charge an annual fee — a rarity among travel credit cards .
The Wells Fargo Autograph℠ Card comes with a sizable sign-up bonus : Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value. Other travel credit cards have larger sign-up bonuses, but this is pretty valuable for a no-annual-fee card.
If you’re planning on making a large purchase, the Wells Fargo Autograph℠ Card gives you extra time to pay it off. You’ll get a 0% intro APR on Purchases for 12 months from account opening, and then the ongoing APR of 20.24%, 25.24%, or 29.99% Variable APR .
The Wells Fargo Autograph℠ Card is a great travel companion because it doesn’t charge foreign transaction fees. These fees typically cost around 3% of any international purchase, so this card could help you save when you're on vacation.
As long as you put your entire rental car purchase on the card and decline the rental company’s insurance, the Wells Fargo Autograph℠ Card will cover any loss or damage to the car, up to $50,000. It's important to note, though, that this insurance is secondary for reservations in the United States, meaning that it will only kick in after you've used your regular car insurance. For international rental car purchases, this coverage is primary.
The Wells Fargo Autograph℠ Card comes with Roadside Dispatch, a roadside assistance program. You have to pay to use the program, but you'll be able to access towing services, a tire change, jump start or other emergency vehicle services whenever you need them.
The Wells Fargo Autograph℠ Card comes with Visa Concierge service, which can help you do anything from booking flights to getting event tickets and dinner reservations. You can call 24 hours a day.
If you use the Wells Fargo Autograph℠ Card to pay your monthly cell phone bill, you’ll get up to $600 in cell phone protection . It comes with a $25 deductible, covering both cell phone damage and theft.
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Caitlin Mims is a content management specialist at NerdWallet covering credit cards. Previously, she was an editor at CreditCards.com. See full bio.
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on Chase's website
Chase Sapphire Preferred® Card NerdWallet RatingNerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.
Rewards rate5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.
Intro offerEarn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
on Chase's website
Chase Freedom Unlimited® NerdWallet RatingNerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.
Rewards rateEnjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
Intro offerEarn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
on Capital One's website
Capital One Venture Rewards Credit Card NerdWallet RatingNerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.
Rewards rateEarn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Intro offerEnjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel.
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