Wells Fargo Autograph Card Requirements
What you need to qualify for this popular rewards card
The Wells Fargo Autograph Card offers impressive rewards across multiple spending categories with no annual fee. Understanding the requirements will help you determine your eligibility and prepare a solid application.
Requirements
Why these requirements matter
Credit score flexibility
The Wells Fargo Autograph is more accessible than ultra-premium cards. A good credit score of 670+ opens the door to 3X rewards on popular categories like dining, travel, and gas stations — all with no annual fee.
Income and repayment capacity
Wells Fargo evaluates your ability to manage credit responsibly. Proof of stable employment or consistent income strengthens your application.
Building toward approval
If your credit score is borderline, focus on reducing outstanding balances and ensuring all payments are current. Even a few months of improvement can make the difference.
How to apply
Step 1: Review your credit
Check your credit score and address any issues. Wells Fargo prefers applicants with good to excellent credit.
Step 2: Gather required information
Have your personal details, income, employment information, and Social Security number ready.
Step 3: Apply online or in branch
Submit your application through the Wells Fargo website or visit a local branch for in-person assistance.
Step 4: Start earning rewards
Once approved, activate your card and earn 3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans.
Tips for a stronger application
Your best option
The Wells Fargo Autograph Card is an outstanding no-annual-fee rewards card that earns 3X points across multiple popular spending categories. It's an excellent choice for everyday spenders who want strong rewards without the commitment of an annual fee.