Wells Fargo Premier Autograph Credit Card Review (New Card, 100k Offer)

physixfan 2026-02-19 2026-02-19

[Updated Feb 2026] A new card has been launched.It is essentially the same as the Wells Fargo Autograph Journey, but comes with a higher welcome bonus and enhanced insurance benefits.The catch is that it is only available to Wells Fargo Premier clients (requiring $250k+ in qualifying balances).If you happen to qualify for Premier status while working on the Wells Fargo Premier Checking bonus, you might consider picking up this card as well and grabbing the extra bonus along the way.

Application Link

Wells Fargo Premier Autograph: There is no direct link.

Wells Fargo Premier clients ($250k+ in qualifying balances) can see the application link within their own Wells Fargo online account.

Benefits

100k offer: earn 100,000 bonus points after spending $4,000 in purchases in the first 3 months.
Unlimited 5x points on hotels, 4x points on airlines, 3x points on other travel and dining, 1x on other purchases.
$50 annual statement credit for airfare purchases.Air ticket itself is included.
Compared to the Wells Fargo Autograph Journey, it adds several additional insurance benefits: primary rental car coverage, extended warranty, purchase protection, and trip interruption and cancellation coverage including delays and other non-medical reasons.
No foreign transaction fee.

Disadvantages

$95 annual fee, NOT waived for the first year.

Wells Fargo Points

Wells Fargo points are the rewards points for these cards:

Besides redeeming for cash at 1:1 ratio, you can transfer points to these airlines/hotels partners:

Aer Lingus (EI) Avios

Air France (AF)/KLM Flying Blue

Avianca (AV) LifeMiles

British Airways (BA) Avios

Iberia (IB) Avios

[New] JetBlue (B6) TrueBlue

Virgin Atlantic (VS) Flying Club & Virgin Red

Choice Privileges (1:2)

Except Choice Privileges (1:2), the transfer ratio is 1:1.

Recommended Application Time

We recommend you apply for this card after you have a credit history of at least two years and you are very comfortable with the credit card game.
[6 month rule] 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.

Summary

It is essentially the same as the Wells Fargo Autograph Journey, but comes with a higher welcome bonus and enhanced insurance benefits.The catch is that it is only available to Wells Fargo Premier clients (requiring $250k+ in qualifying balances).If you happen to qualify for Premier status while working on the Wells Fargo Premier Checking bonus, you might consider picking up this card as well and grabbing the extra bonus along the way.

For people who spend a lot on hotels, this card earns points at a very solid rate.

If the $50 airline credit has minimal restrictions, that effectively brings the annual fee down to $45, which is quite reasonable.For those who enjoy traveling, this feels like a card worth considering.

Historical Offers Chart

Application Link

Wells Fargo Premier Autograph: There is no direct link.Wells Fargo Premier clients ($250k+ in qualifying balances) can see the application link within their own Wells Fargo online account.

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Frequently Asked Questions

Certainly. Unlike personal loans, you won't face any penalties for settling your balance ahead of schedule. However, it's crucial to keep in mind that if your credit card comes with a 0% introductory offer, it's essential to clear your balance completely before the 0% promotion expires and interest charges apply.

However, you can include additional cardholders, each with their own card. While sharing the single credit limit, the primary cardholder remains responsible for settling the debt.

Potentially, yes. Credit card APRs are typically variable, allowing lenders to change rates, impacting your monthly payments. Additionally, be mindful that introductory 0% offers can lead to higher interest rates once they expire. So, it's wise to clear your balance before that happens, if feasible.

Indeed, credit builder cards exist for those with less-than-ideal credit scores. These cards offer lower credit limits (typically £150 to £1,200) and higher interest rates. Responsible use, including full and on-time payments, can gradually boost your creditworthiness, potentially opening doors to better credit card offers down the line.