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Wells Fargo Autograph Visa® Card terms and conditions

Wells Fargo Autograph Visa® Card Terms and Conditions


  Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

0.00% introductory APR for 12 months from date of account opening.

After that, your APR will be 19.99%, 24.99%, or 29.99%, based on your creditworthiness. This APR will vary with the market based on the U.S. Prime Rate.

Annual Percentage Rate (APR) for Balance Transfers

19.99%, 24.99%, or 29.99%, based on your creditworthiness. Balance Transfers are subject to eligibility.

This APR will vary with the market based on the U.S. Prime Rate.

APR for Cash Advances and Overdraft Protection Advances


This APR will vary with the market based on the U.S. Prime Rate.

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing period. We will not charge you interest on purchases if you pay your entire balance by the due date each month.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $1.00.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at*


Annual Fee


Transaction Fees


  • Balance Transfers

Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of  $5.

  • Cash Advances

Either $10 or 5% of the amount of each advance, whichever is greater.

  • Foreign Currency Conversion 


Penalty Fees


  • Late Payment

Up to $40

How we will calculate your balance

We use a method called "average daily balance (including new purchases)".

* You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website.

You may not qualify for an additional Wells Fargo credit card if you have opened a Wells Fargo credit card in the last 6 months. We may also limit the total number of open Wells Fargo credit card accounts you have.

We will begin charging interest on cash advances and balance transfers on the transaction date.

Credit limit reallocation

If you have a credit card with Wells Fargo, have no current balance on that card and have not used your card for any purpose in the past six months and you are applying for an additional card, you agree to allow Wells Fargo to allocate your credit limits between your existing and new credit card accounts, to allow for use of both cards.  Please note that you can change or reallocate your limits on your own by calling Customer Service at any time, with certain restrictions.

How we will calculate your variable APRs

  • Unless an introductory or promotional APR is in effect, we will add a “Margin” to the U.S. Prime Rate to determine your standard variable APR. For each billing period we will use the U.S. Prime Rate, or the average of the U.S. Prime Rates if there is more than one, published in the Money Rates column of The Wall Street Journal three business days prior to your billing statement closing date. If the U.S. Prime Rate is not published or is otherwise unavailable, whether temporarily or permanently, we will select a substitute index that we believe, in our sole discretion, to be similar to the U.S. Prime Rate. The U.S. Prime Rate is 8.25 percentage points as of 06/08/2023.
  • The "Margin" for purchases and balance transfers will be 11.74, 16.74, or 21.74 percentage points, based on your creditworthiness. The Maximum APR is 29.99%.
  • The "Margin" for cash advances and overdraft protection advances will be 22.74 percentage points. The Maximum APR is 29.99%.

Wells Fargo reserves the right to change terms, rates (APRs) and fees, at its discretion in accordance with the Consumer Credit Card Customer Agreement and Disclosure Statement ("Agreement") for your account and applicable law. 

You may not qualify for the lowest APRs disclosed above. The APRs applicable to your account will be determined by our review of your credit report, information you provide on your application, and other relevant information available to us.

Application of payments

Generally, we will apply your minimum payment first to lower APR balances (such as Purchases) before balances with higher APRs (such as Cash Advances). Payments made in excess of the minimum payment will generally be applied to balances with higher APRs first before balances with lower ones.

Overdraft protection

If you choose to link your Account to your Wells Fargo checking account for Overdraft Protection, please note the following. If you have a joint checking account, you will be responsible for all advances, including interest and charges, from your credit card to cover overdrafts, regardless of who writes the check, makes the debit card purchase, or engages in any other transaction that causes the overdraft. Interest will accrue from the date each advance is made. Your credit card must be confirmed; if it is not confirmed, no money will transfer to cover the overdraft. Once your credit card has been confirmed, please allow up to 3 business days for your Overdraft Protection service to be fully enabled. Refer to the Consumer Credit Card Customer Agreement and Disclosure Statement for details. There may be other options available to protect against overdraft that may be less costly. For additional information on overdraft protection using your credit card, please visit For details on other options, please visit

Important information about procedures for opening a new account

To help the government fight the funding of terrorism and money laundering activities, U.S. Federal law requires financial institutions to obtain, verify, and record information that identifies each person (individual or business) who opens an account. What this means for you: when you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask for your driver's license or other identifying information.

Consent to contact you

By providing us with any telephone number, you are expressly consenting permission to contact you at that number about all of your Wells Fargo accounts. You give consent to allow us to contact your past, present and future phone service providers to verify the information you have provided against their records. You agree that your phone service providers may verify any phone numbers you have supplied to the name, address, and status on their records. For us to service your Account or to collect any amounts you may owe, you agree that we may contact you using any contact information related to your Account including any number (i) you have provided to us (ii) from which you called us, or (iii) which we obtained and reasonably believe we can reach you. We may use any means to contact you and this may include contact from companies working on our behalf to service your accounts. This may include automated dialing devices, prerecorded/artificial voice messages, mail, e-mail, text messages, and calls to your cell phone or Voice over Internet Protocol (VoIP) service, or any other data or voice transmission technology. You are responsible for any service provider charges as a result of us contacting you. You agree to promptly notify us if you change any contact information you provide to us. This includes your name, mailing address, e-mail addresses, or phone numbers. If you have a joint Account, a notice to one of you will serve as a notice to both of you.

Notice to Ohio residents

The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Notice to married Wisconsin residents

If you are married, by submitting your credit card application you are confirming that this credit card obligation is being incurred in the interest of your marriage and your family. No provision of any marital property agreement (pre-marital agreement), unilateral statement under 766.59 of the Wisconsin Statutes, or a court decree under 766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decrees or has actual knowledge of the adverse provision. If the credit card for which you are applying is granted, you will notify the Bank if you have a spouse who needs to receive notification that credit has been extended to you.

Application agreement

This application is for a credit card with Wells Fargo Bank, N.A. You certify that all information provided is true, correct, and complete and that you have the legal capacity to enter into this Agreement. The Bank is authorized to verify or check any of the information given, to obtain credit reports on you and to make Overdraft Protection advances if you requested that feature.  You authorize the Bank to obtain information from others to investigate your credit, employment and income history and state records including state employment security agency records and to report information regarding your account to consumer reporting agencies. You agree that the Bank will determine the amount of credit extended, as well as which product you qualify for, based on the Bank's review criteria. If you do not qualify for the product or pricing requested or for the lowest pricing offered, you authorize the Bank to grant you the product and pricing for which you do qualify. You agree to be bound by the terms and conditions of the Agreement, which will be sent to you, and understand that the terms of your account may be changed at any time, subject to applicable law. You hereby stipulate to the terms of the arbitration program described in the Agreement. You understand and agree that you will be liable for payment of all amounts owing on the account. The minimum credit limit, provided you meet the terms and conditions of this offer, is $1,000.00.

A consumer report from consumer reporting agencies will be obtained in considering this application and for the purposes of any update, renewal, extension of credit, review or collection of the account. Upon request, we will inform you of the name and address of each consumer reporting agency from which we obtain a consumer report relating to you. If you are a married applicant you may apply for credit in your own name.

Important notice

Please call to confirm receipt of your new card as soon as you receive it. If you do not do so, your requests for certain services such as balance transfers, Overdraft Protection, Wells Fargo Online® and ATM access may be delayed and you may be denied access to your account.

This information about the cost of the credit card account described in this disclosure is accurate as of August 2022. This information may have changed after that date. To find out what may have changed, call 1-866-229-6633.

Important offer details

20,000 point bonus notice

To qualify for the 20,000 bonus rewards points, a total of at least $1,000 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. The bonus rewards points will show as redeemable within 1 - 2 billing periods after they are earned. Cash advances and balance transfers do not apply for purposes of this offer and may affect the credit line available for this offer. ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKS™, cash equivalents such as money orders and prepaid gift cards, casino gaming chips, wire transfers, off-track wagers, lottery tickets, or bets or wagers transmitted over the internet, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn rewards points. Refer to the Summary of the Wells Fargo Rewards® Program Terms and Conditions and Addendum to the Wells Fargo Rewards® Program Terms and Conditions for details.

Cellular telephone protection

Cellular Telephone Protection can reimburse the eligible Wells Fargo Autograph Visa® Card cardholder for damage to, theft of, or involuntary and accidental parting of a cell phone. This is supplemental coverage not otherwise covered by another insurance policy (for example, cell phone insurance programs, or your homeowner’s, renter’s, automobile, or employer’s insurance policies) and may be applied after all other insurance is exhausted. Reimbursement is limited to the repair or replacement of your original cell phone, less a $25 deductible with an allowable maximum of two paid claims per 12-month period. Each approved claim has a benefit limit of $600. This benefit does not cover cell phones that are lost (i.e., mysteriously disappear). This protection is only available when cell phone bills are paid with an eligible Autograph Card. The coverage does not apply if the cell phone bill is paid from a Wells Fargo Debit Card, Wells Fargo Business Credit Card, Wells Fargo Commercial Card or from a card that is linked to a Line of Credit. Eligible cell phones are the lines listed on your most recent cellular wireless service provider’s monthly billing statement for the billing cycle prior to when the incident occurred. Electronic failure or issues related to the software of the device are not covered. Cellular Telephone Protection coverage begins the first day of the calendar month following the payment of your first cell phone billing using your eligible Autograph Card, and remains in effect when you continue to charge your total monthly cell phone bill to your Autograph Card. This protection may not be equivalent to or better than other applicable coverage. For complete coverage benefits and exclusions regarding this protection, go to


Call your cellular provider (or sign on to their website) and request to set up automatic payments. Setting up automatic payments is not required to qualify for Cellular Telephone Protection; however, you need to pay your monthly cell phone bill with your eligible Autograph Card to get up to $600 protection.

Summary of the Wells Fargo Rewards® Program Terms and Conditions and Addendum for the Wells Fargo Autograph Visa® Card

Effective: March 18, 2023

  1. In this summary, You will find the following terms:

    • "You," "Your," or "Customer" means each person who owns a Wells Fargo rewards-based Credit Card and participates in its Wells Fargo Rewards® Program ("Program"), according to Our records.
    • "Wells Fargo," "We," "Us," or "Our" mean Wells Fargo Bank, N.A.

    Additional Defined Terms


    Addendums supplement these Program Terms and Conditions to provide specific Terms and Conditions for Your Wells Fargo rewards-based Credit Card. The Addendum may also address Rewards expiration and forfeiture, and annual earning maximums.

    Credit Card

    An eligible Wells Fargo Credit Card that participates in the Program.

    Rewards Account

    An account within the Program that holds, calculates and/or collects Rewards.


    The following items that You can earn by participating in the Program:

    • Cash Rewards (including Rebates which will be earned as Cash Rewards)

    • Points

  2. The Program Terms and Conditions and Addendum(s) represent the Program’s complete terms (collectively "Terms"), including any additional terms and conditions that We reference within these Terms and any promotional terms and conditions for earning bonus Rewards. This Program is not available for products, promotions, or offers unless specifically allowed.  Rewards only have cash value when You redeem them.
  3. By participating in this Program, You agree to these Terms and acknowledge that You must also consent to certain agreements for online use of Your account.
  4. You can earn unlimited Points, unless We tell You otherwise. You earn one (1) Point for every $1 You spend with this Credit Card for Net Purchases (purchases minus returns/credits). We round the amount to the nearest whole dollar. You earn an additional 2 bonus Points (for a total of 3 Points) for every $1 You spend in Net Purchases on Your Credit Card (rounded to the nearest whole dollar) for Net Purchases made at retailers whose merchant category for VISA is classified in the following categories:
    • Airline, hotel/motel, timeshare, or vehicle/auto rental, cruise lines, travel agencies, discount travel sites, campgrounds.
    • Passenger railway, taxis, limousines, ferries, toll bridges and highways, parking lots and garages.
    • Gas stations, automated fuel dispensers, and electric vehicle charging stations. The following may not be eligible for bonus Points: Gas or electric vehicle charging purchases at warehouse/membership clubs, grocery stores, car washes, auto repair stores and superstores that sell gasoline or electric vehicle charging.
    • Eating places and restaurants, drinking places, fast food restaurants, and caterers. The following may not earn bonus Points: food purchased at bakeries, grocery stores and other miscellaneous places that serve food or operate restaurants on their premises, or purchased using a third-party delivery service.
    • Landline and cell phone providers considered telecommunication services. The following may not earn bonus Points: Phone plan services bundled or billed by a third party such as an internet provider or in-vehicle service, phones and accessories, additional phone services, such as insurance or additional data.
    • Streaming services considered cable and other pay television, digital goods, books, movies, music, and continuity/subscription services. The following may not earn bonus Points: Streaming services bundled with another product, membership, or service, or billed by a third party, such as a digital platform, a cable, telecommunications, or internet provider, online retailer, or in-vehicle streaming service. The current list of eligible streaming services and additional details of what services and fees are included/excluded for bonusing are available at: If your streaming service name is listed at but is not billed under the VISA category codes listed above, you may not be eligible for bonus Points.
    If retailers do not process transactions using the appropriate VISA® category codes, You will not earn bonus Points but You will still earn Your 1 Point on Net Purchases. Wells Fargo has no control over how a retailer chooses to classify their business. Therefore, We reserve the right to decide which purchases qualify for bonus Points. This includes purchases You make using a third-party payment account, with a mobile/wireless card reader, or through an online marketplace with multiple retailers. These Points will appear in Your Rewards Account and be available for You to use in 1 to 2 months after they are earned. You may also earn bonus Points for promotions or offers connected to Your Credit Card account. We will let You know the terms and conditions for earning bonus Points when We have a promotion or offer for Your Credit Card. There may be a limit on bonus Points.
  5. You do not earn Points on some transactions.  Examples of transactions which do not earn Points:

    Cash Advances and Equivalents of Any Kind

    ATM transactions, cash advances, traveler’s checks, money orders, pre-paid gift cards, wire transfers

    Balance Transfers

    Balance Transfers, SUPERCHECKSTM

    Disputes, Illegal Actions, and Violations

    Disputed or illegal purchases, purchases that violate the terms of Your Credit Card account agreement or the Wells Fargo Rewards Program Terms and Conditions or Addendum

    Fees and Interest of Any Kind

    Fees or interest posted to Your Credit Card account such as returned payment fees, late fees, monthly or annual fees

    Gambling Transactions of Any Kind

    Bets or wagers transmitted over the internet, casino gaming chips, lottery tickets, off-track wagers

  6. If You return a purchase or get a credit from a disputed purchase, these situations may reduce or eliminate Points You have earned and may cause a negative Points balance. Deducted Points will appear in Your Rewards Account in 1 to 2 billing periods.
  7. Points do not expire while this Credit Card account is open.
  8. You can earn Rewards in a variety of ways, including purchases made with Your Credit Card at qualifying merchants, other promotions or offers, or through transfers or gifts.
  9. You can redeem Your Rewards for a variety of uses that include cash redemption options, charitable donations, merchandise, physical and electronic gift cards, or travel.
  10. Manual redemptions made by phone or online are redeemable in $0.01/1 Point increments. Automatic or paper check redemptions made online or by phone are redeemable in $25/2,500 Point increments only and can be done either by automatically applying it to Your eligible Wells Fargo Checking or Savings accounts, or Wells Fargo credit products that are qualified to receive cash redemptions, or by requesting a paper check. Point redemptions via a withdrawal from a Wells Fargo ATM or a Rewards redemption to an eligible Wells Fargo account from a Wells Fargo ATM are redeemable in $20/2,000 Point increments only. You must have a Wells Fargo Debit or ATM card in order to redeem Rewards at a Wells Fargo ATM.
  11. We can change the Terms and/or change, suspend, or terminate any part of the Program at any time and for any reason. These changes may prevent You from earning and/or using Rewards, decrease Rewards value, or cause You to lose Rewards. We will notify You in advance in writing when We make material changes to Your Terms or Program. You must redeem Your Rewards within three months from the date We notify You of Program discontinuation. You will lose any unredeemed Rewards remaining after the three-month period.
  12. We can immediately suspend or disqualify You from the Program, in whole or in part, at any time and for any reason. We will suspend or disqualify You from the Program if You violate these Terms or Your Credit Card terms and conditions, engage in fraud or suspected fraud or someone associated with Your account does so, misuse or gaming the Program or if You take another similar action, according to Us in Our sole discretion. If We suspend or cancel Your Program, this action may prevent You from earning and/or using Rewards, decrease Rewards value, cause You to lose Rewards, and/or require Us to close Your Credit Card.
  13. A Credit Card becomes delinquent when You do not make a required payment by its due date. When this happens, Your ability to earn and redeem Rewards changes until the Credit Card is not delinquent or closes. The Rewards associated with that Credit Card are not available for redemption, transfer or gifting.
  14. If You want to cancel Wells Fargo Rewards, You must close Your Credit Card account. If the Credit Card that closes is the last Credit Card in Your Rewards Account, any Rewards Pending or Rewards in Your Rewards Account on the date the Account closed will be forfeited except as provided for in the Wells Fargo Rewards Program Terms and Conditions. If You have multiple Credit Cards tied to Your Rewards Account and You close one of the Credit Cards, Your Rewards will remain in Your Reward Account.
  15. These Terms are only a summary. Other restrictions and requirements apply. The full Wells Fargo Rewards Program Terms and Conditions and Addendum for the Wells Fargo Autograph Visa® Card will be provided upon enrollment. You can also find the most current Wells Fargo Rewards Program Terms and Conditions online at