Wells Fargo Autograph Card
Reddit take
AI summary of the Reddit excerpts below — not a quote
The Wells Fargo Autograph Card is highly regarded as a versatile, no-annual-fee option that offers 3% back across a wide range of everyday and travel categories. It is frequently recommended for its lack of foreign transaction fees and the inclusion of cell phone protection, making it a strong contender for both domestic commuting and international travel.
Pros
- 3x points on dining, travel, transit, gas/EV charging, streaming, and phone services.
- No annual fee and no foreign transaction fees.
- Includes $600 of cell phone protection against damage or theft (with a $25 deductible).
- Broad travel/transit definitions that include rideshares, tolls, parking, and ferries.
- Points can be transferred 1:1 to partners like JetBlue.
Cons
- Standard 1% earn rate on all non-category spending.
- The 3% return can be outperformed by specialized cards offering 5% in specific categories.
Caveats
- The base Autograph card includes several 3x categories (like gas, streaming, and tolls) that are notably absent from the Autograph Journey variant.
- Maximizing point value often requires utilizing transfer partners rather than simple cash redemptions.
Best for
- Budget-conscious travelers wanting a no-annual-fee card for international use.
- Commuters with high spending on gas, transit, and parking.
- Users seeking a single card to cover multiple utility-style categories like phone and streaming.
Avoid if
- You prefer a simple, high-rate flat cashback card for all purchases.
- You already utilize specialized 5% cards for your primary spending categories.
This summary uses balanced time weighting with about a 6-month half-life. The evidence is older, with a median source age of approximately 308 days, which may affect the current accuracy of specific transfer partner lists or secondary benefits.
Sentiment
34 positive (81%) · 7 mixed (17%) · 1 negative (2%)
Trust + time weighted score: +74% · raw score 79%
What redditors said (10 of 42)
Categories that earn 3X on the base Autograph, but not on the Journey: * Ferries * Parking lots and garages * Limousines * Taxis * Passenger railway * Toll bridges and highways * Discount travel sites * Automated fuel dispensers * Electric vehicle charging stations * Gas stations * Landline and cell phone providers * Books * Music * Continuity/subscription services * Streaming services considered cable and other pay television * Digital goods * Movies
Any card can be a travel card. You just want one with no foreign transaction fee, which there are tons. Chase Amazon, US Bank Kroger, Citi Costco, Wells Fargo Autograph are some good examples.
Wells Fargo Autograph + Wells Fargo Attune might be a solid combo here. 3% on airfare/dining/gas/hotels/rideshare for travel, and then 4% on entertainment. No AF
Wells Fargo autograph would be a top choice
Wells Fargo Autograph - 3X Dining, Travel, Transit, Gas, Streaming, Phone Services
WF Autograph has 0 annual fee, and gives you 3x back on travel, gas, resturant, and is a good general use card. With no preferred airline, probably the best choice.
2. Wells Fargo Autograph (3% gas (works at Costco gas also) , food, streaming, cell phone)
That Autograph is solid for your spending pattern. With $1000/month dining and $300 gas you're looking at like $470 cash back just from those two categories alone. Way better than any flat rate card for your situation
Definitely the Wells Fargo Autograph. Unlimited 3% cash back on dining, gas/EV charging, travel, transit, streaming, and phone plans, 1% back on everything else, no annual fee and no foreign transaction fee, plus $600 of phone protection against damage or theft w/ a $25 deductible.
You could add the Wells Fargo Autograph and Citi Custom Cash to cover those for no annual fee.
Compare
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