How to Maximize Rewards With the Wells Fargo Autograph Card
Use the Wells Fargo Autograph Card to pay for all dining out, travel purchases, monthly streaming charges and your monthly phone bill to maximize your cash back earnings. You could also use the card for all gas purchases.
Then choose to redeem your rewards from a variety of options: on travel, as a statement credit, to purchase gift cards or whenever you pay using PayPal.
Comparisons With Other Credit Cards
Annual fee: The Wells Fargo Autograph Card charges an annual fee of $0, and the Discover it Cash Back charges a $0 annual fee.
Rewards: The Wells Fargo Autograph Card earns three points per dollar on dining out, travel, transit, popular streaming services, phone plans and at gas stations, and one point on all other qualifying purchases. Discover it Cash Back earns 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate.
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 with the Wells Fargo Autograph Card. While Discover it Cash Back doesn’t have a typical sign-up bonus, Discover will match all the cash back you earn during the first year.
Benefits: With the Wells Fargo Autograph Card, you can redeem your cash back rewards on travel, statement credits and gift cards, or when you pay with PayPal. You also have access to premium perks offered by Visa Signature Concierge. Discover it Cash Back comes with zero-liability fraud protection, free access to your FICO credit score and alerts if your Social Security number shows up on a risky website.
Annual fee: The Wells Fargo Autograph Card charges an annual fee of $0, and the Blue Cash Preferred Card from American Express charges a $0 intro annual fee for the first year, then $95.
Rewards: The Wells Fargo Autograph Card earns three points per dollar on dining out, travel, transit, popular streaming services, phone plans and at gas stations, and one point on all other qualifying purchases. With the Blue Cash Preferred Card from American Express, you can earn 6% cash back on up to $6,000 in U.S. supermarket purchases each calendar year, 6% cash back on certain U.S. streaming service subscriptions, 3% at U.S. gas stations and on transit, and 1% on other purchases.
Welcome 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 with the Wells Fargo Autograph Card. With the Blue Cash Preferred Card from American Express, earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
Benefits: With the Wells Fargo Autograph Card, you can redeem your cash back rewards on travel, statement credits and gift cards, or when you pay with PayPal. You also have access to premium perks offered by Visa Signature Concierge. With the Blue Cash Preferred Card from American Express, you’ll have access to entertainment options through American Express Experiences, along with travel assistance services and rental car protection.
What Are the Fees Associated With Wells Fargo Autograph Card?
- Annual fee: The Wells Fargo Autograph Card charges a $0 annual fee.
- Foreign transaction fee: Not Applicable.
- Balance transfer fee: 3% for 120 days from account opening, then up to 5%; min: $5.
- Cash advance fee: refer to Important Credit Terms.
- Penalty fee: Cardholders will pay up to $40 for a late payment.
Should You Get the Wells Fargo Autograph Card?
- Prefer multiple redemption options for your rewards.
- Spend a solid amount on dining out, travel, streaming, phone plans, and/or gas and want no spending limits on your rewards earned.
- Don’t need to earn high points per dollar on grocery purchases.
