📌 At a Glance: Top Travel Perks
- No annual fee
- No foreign transaction fees
- 3x points on travel, transit, dining, gas, streaming, and phone plans
- Secondary rental car collision damage waiver
- $600 cell phone protection (with $25 deductible) when paying phone bill with card
- Transfer to Wells Fargo travel partners (Aer Lingus, Air France/KLM, British Airways, Avianca, Singapore Airlines, etc.)
- Visa Signature concierge service (24/7)
- Autograph Card Exclusives — access to special concert and entertainment events
Travel Benefits Breakdown
Here's exactly what you get — and what you don't — when you use the Wells Fargo Autograph® Card for travel.
✈️ Lounge Access
This card does not include airport lounge access. Consider upgrading to a premium card or purchasing a Priority Pass membership separately.
🛂 Global Entry / TSA PreCheck Credit
No Global Entry or TSA PreCheck credit on this card.
⏱️ Trip Delay Insurance
Not included on this card. If your flight is delayed, you'll pay out of pocket for meals and hotels.
🚫 Trip Cancellation & Interruption
Not included on this card. If you need to cancel a non-refundable trip, you won't be reimbursed through this card.
🧳 Baggage Insurance
No lost or delayed baggage coverage on this card. Airline compensation is your main recourse.
🏥 Emergency Medical & Evacuation
No emergency medical or evacuation benefit.
🚗 Rental Car Insurance
Secondary coverage — you must file with your personal auto insurance first, then this card covers the remainder.
Covers: collision damage, theft
Excludes: liability, personal injury
Eligible countries: Worldwide
Secondary auto rental collision damage waiver is included as a Visa Signature benefit. Decline the CDW from the rental company.
🌍 Foreign Transaction Fees
✅ No foreign transaction fees — use this card internationally without paying an extra 2–3% on every purchase.
💰 Annual Credits & Perks
- Cell Phone Protection: $600/year — Up to $600 per claim for cell phone damage or theft (maximum 2 claims per 12-month period, $25 deductible per claim) when you pay your monthly cell phone bill with this card.
Rewards Structure
1x Wells Fargo Rewards Points per $1 on all other purchases
Base rate on all purchases
3x points on travel and transit
Travel purchases
3x points at restaurants
Dining
3x at gas stations and EV charging stations
3x on popular streaming services
Point / Mile Values
- Cash back / statement credit: ~1¢ per point
- Travel portal redemption: ~1¢ per point
- Transfer partners: Transfer partners available including Aer Lingus, Air France/KLM, British Airways, Avianca, Singapore Airlines, and others (program ongoing expansion). 1:1 transfer ratio.
Pros & Cons for Travelers
👍 Pros
- ✅ No foreign transaction fees — safe to use internationally
- ✅ Rental car collision coverage (secondary)
- ✅ No annual fee — keeps costs zero
👎 Cons
- ❌ No airport lounge access
- ❌ No trip cancellation/interruption insurance
- ❌ No trip delay insurance
- ❌ No Global Entry or TSA PreCheck credit
- ❌ No emergency medical evacuation coverage
🎯 Who Is This Card Best For?
No-fee travelers who want solid bonus categories across everyday spending — especially travel, dining, and streaming — plus access to transfer partners
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