this Wells Fargo Autograph® Card (See Rates & Fees) 2026 TPG Award No-Annual Fee Credit Card of the Year. Considering how many no-annual-fee cards there are on the market right now, this is quite an achievement.
While the Wells Fargo Signature Card may not have the flashy benefits of a premium travel rewards card, it holds its own. Here are four ways it outshines the competition.
Valuable welcome bonus
this signAt first glance, this card’s welcome offer might not look great, but once you remember that this card comes with access to Wells Fargo’s transfer partners, its value increases significantly.
New cardholders can earn 20,000 Wells Fargo Rewards points when they spend $1,000 in purchases within the first three months of account opening. Based on TPG’s February 2026 valuation, these reward points are worth $330.
A great way to use those 20,000 bonus points is to transfer them to Air France-KLM Flying Blue and then redeem them for a one-way domestic flight on Delta.
Other no-annual-fee credit cards offer similar amounts of bonus points as part of welcome offers, but many require pairing the no-annual-fee card with a more premium card to gain access to transfer partners.
Related: The Best Credit Card Welcome Bonuses This Month
No annual fee for transferring partners
Few no-annual-fee cards offer points transfer to loyalty partners. this is one of them signThe biggest advantage.
While Wells Fargo currently only has seven transfer partners, it is slowly building its roster. Key partners include Air France-KLM Flying Blue, British Aero Club and Virgin Atlantic Flying Club.
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If you’re new to the world of transferable rewards, I believe Autograph is a great place to start. It lets you take advantage of travel rewards without paying an annual fee.
Related: How (and why) you should earn transferable credit card points
Powerful daily reward categories
In addition to not being able to approach transfer partners on your own, a common drawback of no-annual-fee cards is the lack of robust bonus categories. Fortunately, sign No slouch here, earn 3 points for every $1 spent:
- meal
- Eligible streaming services
- Gas Stations and Electric Vehicle Charging Station Procurement
- phone plan
- Transportation (including ride-hailing services)
- travel
This perk is the main reason I recommend Autograph to anyone interested in owning a single-card wallet. Autograph covers nearly all of the most common daily consumer categories, with groceries being the only major category missing.
It’s also worth noting that this card offers bonus points on phone plans, as that income category often appears on business cards.
With your cell phone plan billed to Autograph, you’ll get up to $600 in cell phone protection (subject to a $25 deductible). If you currently pay your carrier for insurance, Autograph can put that money back into your pocket each month.
Related: The best credit cards for everyday spending
Stable 0% introductory interest rate
No-annual-fee cards typically offer new cardholders an introductory 0% annual rate plan. I’ve used 0% APR plans in the past to help me pay off unexpected purchases.
No matter what you need financing, sign Might be a good choice.
It offers new cardholders an introductory 0% APR for 12 months (18.49%, 24.49% or 28.49% variable APR thereafter). It’s important to note that this introductory annual fee does not apply to balance transfers, unlike the offers we typically see on other no-annual-fee cards.
This means Autograph is best suited for financing large or unexpected purchases rather than consolidating debt.
RELATED: Here are 3 sure-fire ways to pay off credit card debt
bottom line
With all these benefits, it’s easy to see how the Wells Fargo Autograph earned TPG’s 2026 No Annual Fee Credit Card Award. It’s a force to be reckoned with in the no-annual-fee card space, with strong earnings categories, a sizable welcome bonus, and Wells Fargo’s growing list of transfer partners.
If I had to start my credit card journey all over again, I would definitely consider the Autograph as my first credit card. Even if you’re a seasoned points and miles guru with a dozen credit cards, Autograph can be a great way to try out the Wells Fargo ecosystem.
To learn more, check out our full review of the Wells Fargo Autograph.
Apply here: Wells Fargo Autograph Card
