Wells Fargo Autograph

Is the annual fee worth it?

No annual fee, so everything it earns is kept: about $690 a year on the illustrative household's spending, which puts it number 9 of 38 the no-fee cards in the catalogue. All of them, ranked.

Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.

Where it ranks

Against every card in the catalogue, scored in dollars per $100 with no rotating categories switched on:

• #1 of 68 for phone and internet bills — $4.50 per $100
• #2 of 68 for Uber and Lyft — $4.50 per $100
• #2 of 68 for parking and tolls — $4.50 per $100
• #2 of 68 for car rentals — $4.50 per $100
• #3 of 68 for streaming services — $4.50 per $100
• #3 of 68 for public transit — $4.50 per $100

Where a year's rewards come from

Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.

Protections and travel benefits

From the issuer's own benefit summary as of 2026-09. These are read from summaries rather than the full guide to benefits, which has the exclusions — check it before relying on one.

• Cell phone — up to $600 per claim

What the issuer lists besides rewards

• Cell phone protection when you pay your monthly bill with the card
• No foreign transaction fees
• Cell phone claims pay up to $600 each and $1,200 a year, after a $25 deductible

Similar cards

• Bilt Mastercard — annual fee none
• American Express Blue Business Plus — annual fee none
• Citi Custom Cash — annual fee none
• Citi Double Cash — annual fee none
• Every travel card, ranked
• The best two- and three-card combinations