Wells Fargo · personal · visa
Autograph
Six 3X categories on a no-fee card — restaurants, travel, gas, transit, streaming, phone plans — covers most of a normal life. Add no FTF and transferable points, and it's one of the strongest free cards in the country.
Current public offer
20,000 bonus points (a $200 cash-redemption value) after $1,000 spend in 3 months — as of 2026-07-01 · source
Fees & fine print
- Annual fee: $0
- Intro APR: 0% for 12 months on purchases, then 18.49%/24.49%/28.49% variable
- Suggested credit: Good / Excellent
- No foreign transaction fee ✓
Earning
- 3X restaurants incl. take-out, catering and delivery
- 3X travel (airfare, hotels, car rentals, cruises)
- 3X gas stations and EV charging
- 3X transit — subways, rideshare, parking, tolls
- 3x streaming
- 3X cell phone and landline plans
- 1x other
Informational only — not financial advice. Offers change; verify all terms with the issuer before applying.