This is the $0-fee Autograph, not Autograph Journey. Merchant coding and direct billing determine bonus eligibility; points are not automatically cash back.
Annual card fee: $0. Other fees may apply.
How rewards are earned
| Purchases | points | Conditions |
|---|---|---|
| Restaurants | 3× | Qualifying restaurant, fast-food, catering and drinking-place merchants. Bakeries, grocery-store restaurants and third-party delivery services may not qualify. |
| Travel and transit | 3× | Eligible airlines, hotels, vehicle rentals, cruise lines, travel agencies and named transit categories, including parking, tolls, taxis and passenger rail. |
| Gas stations and EV charging | 3× | Qualifying fuel/charging merchants. Purchases at warehouse clubs, superstores, grocery stores, auto-repair merchants and car washes may not qualify. |
| Eligible entertainment and streaming | 3× | The linked agreement lists books, music, subscription services, cable/pay-television streaming, digital goods and movies. Bundled or third-party-billed streaming may not qualify; check the issuer’s current streaming list. |
| Phone plans | 3× | Eligible landline and cell-phone providers. Devices, accessories, extra services and third-party-billed bundles may not qualify. |
| Other eligible purchases | 1× | Unlimited ordinary purchase earnings; nonpurchase transactions do not earn. |
How rewards can be used
Cash-account redemption
No fixed dollar value used here. Redeem to eligible Wells Fargo deposit accounts or credit products. This profile confirms the method but does not assign a fixed cash value to ongoing points.
Travel and partner transfers
No fixed dollar value used here. Travel and selected loyalty-program transfers are available. Transfer ratios do not establish a universal dollar value.
What qualifies?
Net purchases only; returns reverse earnings. Balance transfers, cash advances, cash equivalents, fees and interest are excluded. Merchant categories and third-party payment processing can affect bonus eligibility; purchases are rounded to whole dollars.
Benefits and offers outside this profile
Welcome bonuses, introductory APR, phone protection, rental coverage and other benefits are not valued. Check borrowing terms directly with the issuer.
Why there is no calculator estimate
Not included in calculator rankings. Separate travel, transit, EV charging, phone and entertainment inputs and a verified redemption valuation are needed before an estimate.
Read how we compare rewards and what annual estimates leave out. All calculator estimates assume full payment without interest; this profile is not a borrowing-cost or approval recommendation.
Check the source
The checked date covers the facts presented in this profile, not every benefit or personalized offer. Confirm your exact offer with the issuer.