Updated April 5, 2026.

The Facts

• Annual Fee: none

• Signup Bonus: up to 20,000 points after spending $1,000 within 3 months of new account opening. This bonus is not available if you have this card or opened one within the last 48 months. In addition, you will only be approved for one Wells Fargo credit card every 6 months. Historical best bonus of this card: 30K points for a few times over the years.

• Application Landing Page

• Rewards: 3x travel (including transit) & dining & gas and EV charging & phone plans & select cable and streaming services, and 1x everywhere else.

• Best Use of Wells Fargo Rewards points: Wells Fargo points can be redeemed for cash, merchandise, gift cards, travel, etc., at 1 cent per point (cpp). In addition, you may transfer Well Fargo points into miles/points of several frequent traveler programs, mostly at 1:1 ratio; the current transfer partners are Flying Blue (Air France and KLM), Avianca, British, Aer Lingus, Iberia, JetBlue, Virgin Atlantic, and Choice Hotels (1:2 ratio), and it is expected that the list will get longer in the future. Please see our featured review on several other more popular rewards programs that allow miles/points transfer. All your Wells Fargo Rewards points will be automatically pooled together in one rewards account, and Wells Fargo also allows one member to gift some points to another.

• Other Benefits: (1) Waive foreign transaction fees. (2) Embedded EVM chip with the "Chip & PIN" technology which has much better acceptance worldwide than the previous "Chip & Signature" technology. (3) My Wells Fargo Deals for promotional savings at various merchants. (4) Autograph Card Exclusives for special ticket and event access. (5) Standard Visa Signature benefits including 24/7 concierge service and Visa Signature Luxury Hotel Collection.

• Consumer Protection: In general, Propel Amex offers mediocre consumer travel and purchase protection. However, it is one of the very few credit cards that offers Cellphone Protection - you will be reimbursed up to $600 per claim with a $25 deductible when your cellphone is damaged or stolen. You don't need to purchase your cellphone with the card, but rather enjoy the coverage as long as you pay your cellphone bills with the card.

• History: In late 2022, Wells Fargo replaced Propel Amex with the new Autograph Visa Signature, while maintaining most of the features but losing potential enhanced rewards at 1.5 cpp. In mid 2024, Wells Fargo enhanced the Wells Fargo Rewards for Autograph by adding a miles/points transfer feature and the number of partners gradually increased over the years.

The Math
Wells Fargo points are valued more than 1 cpp when the miles/points feature is used. Due to the limited number of partners, we currently value Wells Fargo points at 1.3 cpp, lower than some competitors' valuation, e.g., 1.5 cpp for Chase Ultimate Rewards, Citi ThankYou, and Amex Membership Rewards. With that, the non-fee Autography Visa offers impressive 3.9% rewards for its wide 3x bonus categories. However, we won't recommend this card for general spending, especially when compared to several other great options with 2-3% travel rewards.

The Conclusion
With 3x bonus categories covering travel, dining, gas and EV charging, phone plans, cable and streaming, this is surely one of the best non-fee rewards cards.