Wells Fargo
Wells Fargo Autograph Card
Annual Fee
$0
Bonus Value
$350
Min Spend
$1K/3mo
Current Welcome Offer
20,000
Wells Fargo Rewards Points — worth ~$350
Spend $1,000 in 3 months
Recently increased30-day offer history
2 data points
Verify offer with issuer
No automated verification
Directed to Wells Fargo's secure application · We may earn a commission
Historical Intelligence
Offer history & timing
Current
20,000
Average
25,000
Tracked High
—
No offer change history on record yet.
Timing Intelligence
Strong time to apply
This offer is at or near the best we've observed since tracking started. Elevated offers on this card typically don't last more than 30–60 days.
Current offer
20,000
Wells Fargo Rewards Points
Based on limited history. Not financial advice. Always verify with issuer.
Intelligence
Decision guide
Offer Score
Solid
Highest offer since tracking started
Timing
Strong time to apply
This offer is at or near the best we've observed since tracking started. Elevated offers on this card typically don't last more than 30–60 days.
Ecosystem
Cash Back
Simple cash rewards — no program management, no point valuations.
Value
First-year value estimate
Conservative
+$362
65% benefit utilization, minimal travel redemptions
Realistic
+$362
85% benefit utilization, occasional transfer partner redemptions
Optimized
+$362
100% utilization, premium transfer partner redemptions
Keeper Value (Year 2+)
After the signup bonus — is it worth keeping?
+$362/yr
Based on avg US annual spend of $24,120 · Year 1 includes signup bonus. Illustrative — actual value varies by spending habits and redemption strategy.
Benefits
Card perks & credits
Up to $700/yr in benefits
🛡️insurance
Cell Phone Protection
$600/yr
Up to $600 per claim, $25 deductible, for covered phone theft or damage (max 2 claims/yr).
Phone bill must be paid with card
Purchase Protection
$100/yr
Covers eligible purchases against damage or theft for 90 days.
Alternatives
Compare with similar cards
Wells Fargo Autograph Card
Current offer: 20,000 Wells — worth ~$350
View Official OfferWells Fargo's secure site · No data stored · Commission may apply
Offers are based on publicly available information and are subject to change without notice. Estimated values are illustrative. Not affiliated with or endorsed by any card issuer.
Autograph
20,000 Wells offer