How this card earns
- 3 points per dollar:
- Dining
- Restaurants, bars, fast food and catering.
- Gas stations
- Gas stations and automated fuel dispensers.
- EV charging
- Electric vehicle charging stations.
- Transit
- Passenger railways, taxis, limousines, ferries, tolls, parking lots and garages.
- Streaming services
- Eligible cable, pay TV and digital subscription services on the issuer streaming list.
- Telephone services
- Landline and cell phone providers classified as telecommunications.
- Timeshares
- Timeshare purchases.
- Campgrounds
- Campground purchases.
- Flights
- Airline purchases.
- Hotels
- Hotel and motel purchases.
- Rental cars
- Vehicle and auto rental purchases.
- Cruises
- Cruise line purchases.
- Travel agencies
- Travel agency and discount travel site purchases.
- 1 points per dollar:
Everything else
Protections and other benefits
10 benefits
- Cellular Telephone ProtectionUp to $600 per claim, with a $25 deductible and two paid claims per 12 months. Pay the monthly phone bill with the card; exclusions apply.
- Auto Rental Collision Damage WaiverProvides secondary coverage for eligible rental damage or theft when the full rental is paid with the card and rental coverage declined.
- Travel and Emergency AssistanceOffers travel assistance and referrals. The cardholder pays for medical, legal, transport and other services.
- Roadside DispatchOffers on-demand roadside assistance with service charges paid by the cardholder.
- Emergency Cash and Card ReplacementProvides emergency cash or card replacement after issuer approval. Cash advance fees and interest can apply.
- Visa Signature ConciergeProvides complimentary concierge help with travel, events and dining. The cardholder pays for purchases and reservations.
- Visa Signature Luxury Hotel CollectionOffers hotel benefits on eligible bookings through the Visa Luxury Hotel Collection or Visa Concierge.
- My Wells Fargo DealsProvides personalized merchant offers that earn cash back on qualifying purchases.
- Zero Liability ProtectionProtects against unauthorized transactions reported promptly.
- Autograph Card ExclusivesOffers access to select live music events through the Autograph Card Exclusives program.
Keep all your cards in one place.
The cards that do have credits get lined up by the day they end.
- Source
- wellsfargo.com
- Last checked
- October 8, 2026
- Foreign transaction fee
- None
Card terms can change. The issuer’s current terms control. Credit amounts show the most a credit is worth, not guaranteed savings. How card facts are sourced