Wells Fargo Autograph cashback rate, cap and annual fee
Wells Fargo Autograph pays 3% on dining, and 5 other rates.
This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.
Wells Fargo · United States · catalogue v103
Read from Wells Fargo's own published terms on 15 Oct 2026.
NoneAnnual fee
3%Best rate
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| dining | 3.00% | —3 points per $1 at restaurants, bars, fast food and caterers. |
| travel | 3.00% | —3 points per $1 on travel (airlines, hotels, car rental, cruises, travel agencies, campgrounds) and transit (trains, taxis, ferries, tolls, parking). |
| fuel | 3.00% | —3 points per $1 at gas stations and EV charging stations. |
| phone and internet | 3.00% | —3 points per $1 with landline and cell phone providers. |
| popular streaming servicesentertainment | 3.00% | —3 points per $1 on popular streaming services, as Wells Fargo lists them. |
| everything else | 1.00% | —1 point per $1 on other purchases. |
No annual fee and no foreign transaction fee. 3X on restaurants, travel and transit, gas and EV charging, phone plans and listed streaming services, 1X elsewhere, no cap. Wells Fargo values a point at "$0.01 per point". The old entry filed books, music and digital goods as general entertainment at 3X; Wells Fargo counts them only as part of its streaming list, so that rule is now tagged. Source: creditcards.wellsfargo.com Autograph page, read 15 Oct 2026.
Questions people ask
What cashback does the Wells Fargo Autograph pay?
3% on dining, and 5 other rates.
Is there a cap on the Wells Fargo Autograph?
No monthly cap is published on the rates shown here.
What is the annual fee on the Wells Fargo Autograph?
No annual fee.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says where it came from, the way this page does: read off the issuer and dated, or marked indicative.
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