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How to Set Up Credit Card Travel Notifications

Putting a travel notification on your credit card may prevent a major travel headache.

Set Up Credit Card Travel Notifications

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Travel notifications prevent a credit card issuer from flagging a purchase you make out of the country as fraudulent.

You might be ready for an upcoming trip, but is your credit card? Depending on your card issuer, you might need to set up a travel notification for your account.

Adding a card travel notification is easy. For most credit cards, you'll follow these steps:

• Call your credit card company, log in to its website or access its app.
• Share your travel dates and locations, if applicable.
• Submit and verify your travel notification.

This will help you avoid potential hassles and embarrassing situations when you're away.

What Are Travel Notifications?

A travel notification is essentially a setting you activate on your credit card account. "Basically, you're just telling the credit card issuer you're going to be using the card outside of the normal places you (use it). That way, they don't think someone stole your credit card," says Simon Zhen, research analyst at personal finance website MyBankTracker.com.

If you're on a road trip, you could make a card purchase in one town and then try to shop in another distant location but have your card rejected. Dan Hanks, senior vice president of credit card loyalty and servicing at PNC Bank, says if a transaction appears to be fraudulent, it may be declined, even if it is a legitimate purchase. Purchase location is just one factor credit card companies consider when flagging fraudulent transactions .

"If a customer suddenly starts using a card in a place they've never been, especially in another country, it doesn't mean we'll decline them, but it increases the chance we might stop the transaction if we think it's fraud," Hanks says.

Transactions may be marked as fraudulent and your card deactivated as a precaution, particularly if your issuer can't reach you to confirm them. If you only bring one credit card on your trip, you may have a major problem on your hands. Luckily, setting up a travel notification before you leave is an easy solution.

How to Set Up Travel Notifications

A travel notification usually requires you to provide your planned destinations and trip dates to your credit card issuer. With that information, the issuer has more knowledge to weed out fraudulent transactions from legitimate ones.

You usually have a few options to set up a travel notification. First, you can call the card issuer. "Look on the back of the card, and you can find the phone number to call. You just tell the customer service rep that you'll be traveling," Zhen says. If you prefer digital communication, you can typically set up a travel notification through the credit card company's website or app.

Each credit card company has its own travel notification policies. While many companies allow you to set up travel notifications, others may not need you to tell them about your travel plans. Below are the policies of major credit card issuers:

American Express does not request travel notifications, citing industry-leading fraud detection capabilities.

Bank of America allows you to create a travel notice up to 60 days before your trip, and it can last up to 90 days from the first day of your excursion. With one travel notice, you can set up multiple itineraries for various cards. You must provide Bank of America a contact number for when you're away from home. You can also supply details about where you'll be staying, any planned layovers and other information that may help the company monitor your account for fraud while you're traveling.

According to Barclays , a travel notification is not mandatory, but it could be wise to avoid declined purchases simply because you are traveling abroad or to a different part of the U.S. Contact the bank by phone, or access your account online or with the Barclays app to set up a notification. If you will be traveling for more than 365 days, connect with the bank by phone to set up a notification.

Capital One doesn't need notification of travel plans because of the added security of the bank's chip cards.

Chase lets you set up a travel notification up to a year before your trip. The notification can last up to 90 days. You can apply the notification to multiple cards simultaneously and list multiple destinations.

Citi permits you to add a travel notification up to 180 days before your journey and up to 89 days after your trip begins. You can set the notification for more than one card and report several destinations with one travel notification.

Discover advises setting up a notification before you embark on a trip abroad. Your travel start date can be up to 24 months in the future, and travel notifications can last up to 24 months.

PNC Bank suggests notifying it of the locations and dates of your planned travel to help eliminate phone calls to confirm your account activities. You can create travel notifications up to two years before you depart, and notifications can last up to 30 days. If your travel plans exceed 30 days, you can set up more than one travel alert.

USAA recommends a travel notification to reduce the chance of your card being blocked or flagged for unusual activity. You can set up a notification up to one year before your trip, and the notification will last up to one year from your departure. USAA does not request travel destinations.

U.S. Bank allows you to establish a travel notification for any trip within the next 90 days. Notifications can last up to 90 days. If your travel plans exceed 90 days, you can set up an additional notification at a later date.

Wells Fargo favors notification of when and where you plan to travel. Wells Fargo's travel notifications do not have any time-based restrictions, so you can set up your travel alert for as long as you'll be away and not have to set up subsequent ones.

Overall, setting up a travel notification doesn't have a downside for the customer, Hanks says. Making travel notifications easy to activate is in a credit card company's best interest. And notifications reduce the chance that a real transaction may be classified as fraudulent, which makes everyone happier.

Don't Forget About Debit Cards

"Some people set up a travel notification on a credit card but forget to set one up on their debit card," Zhen says.

While credit cards offer many protections that can be useful when traveling, especially abroad, some people may still plan to use their debit cards. If you do, make sure you set up a travel notification on your debit cards, too, so your purchases on those cards don't get flagged as fraudulent transactions when you're on your next trip.

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Wells Fargo Autograph Journey Credit Card Review 2024: Earn up to 5X Points on Travel Purchases

Wells fargo autograph journey℠ card.

Wells Fargo’s new travel rewards card earns up to 5X points on travel-related purchases.

Expert Take : The Wells Fargo Autograph Journey℠ Visa® Card is an excellent choice for travelers who want to maximize rewards on travel purchases booked directly with airlines, hotels and other providers. While it has an annual fee, the $50 annual flight credit covers more than half of the cost. It also includes complimentary travel protections and cell phone insurance to cover unexpected situations.

• Earns up to 5X points on travel-related purchases
• $50 annual flight credit with a minimum $50 airline purchase
• Flexible rewards redemptions include transfers to airline and hotel partners
• Missing bonus categories on everyday purchases, like gas and groceries
• Does not include an intro APR offer on purchases or balance transfers
• Current list of transfer partners is smaller than competitors

Vault’s Viewpoint on Wells Fargo’s Autograph Journey Card

As competitors like Chase, Amex and Capital One gained legions of loyal followers, Wells Fargo missed out on the growth because of its meager credit card lineup. With the introduction of the Autograph Journey credit card and transferable points, Wells Fargo is taking a huge step forward.

The Wells Fargo Autograph Journey Card is designed with travelers in mind by earning 5X points on hotels, 4X points on airlines and 3X points on dining and all other travel purchases. With the introduction of transferable points, cardholders can redeem for cash back, travel, gift cards and more or transfer points to a growing list of Wells Fargo airline and hotel partners. Plus, it includes a $50 annual statement credit toward airline purchases. Travelers are also covered with an array of travel protections and cell phone insurance in case something goes wrong.

About the Wells Fargo Autograph Journey Travel Credit Card

The Wells Fargo Autograph Journey credit card builds upon the success of the original Wells Fargo Autograph℠ Card , as it also earns flexible points but with a focus on travel and dining purchases.

With the Autograph Journey, you’ll earn up to 5X points on travel-related purchases and an unlimited 3X points on dining worldwide. The card includes an annual flight credit that’s good on any airline, without having to choose an airline ahead of time. When you book trips with the Autograph Journey Card, you’ll receive valuable travel benefits to protect your trip, like rental car protection, trip cancellation/interruption protection, lost baggage reimbursement and more. Your cell phone is also covered up to $1,000, up to two times per 12-month period, when you pay the bill with your Autograph Journey Card (subject to a $25 deductible).

As a new cardholder, you can earn 60,000 bonus points by spending at least $4,000 on purchases within the first three months. These points are worth $600 toward travel and have numerous redemption options, including booking flights and hotels, getting cash back or buying gift cards. Wells Fargo also introduced transfer partners in April 2024, so you can transfer points to airlines and hotels to book award reservations worth potentially even more.

Benefits of the Wells Fargo Autograph Journey Card

In this Wells Fargo Autograph Journey Card review, you’ll learn about the card’s numerous benefits and how they can improve your travel experience.

Earning Power

People who love to travel can maximize their rewards with the Autograph Journey Card. This card’s bonus categories target the areas where travelers spend the most—flights, hotels, dining and other travel purchases.

Flexible Redemptions and Transfer Partners

The points earned from the Autograph Journey credit card have multiple redemption options. You can redeem them as a credit to your Wells Fargo credit card statement, as a deposit to your Wells Fargo bank account or to reduce your Wells Fargo mortgage balance. Points can be used to pay for online shopping or to buy gift cards. You can also book travel through Wells Fargo.

As of April 2024, Wells Fargo introduced hotel and airline transfer partners. The initial partners include:

• Choice Privileges®
• Air France-KLM Flying Blue
• Avianca LifeMiles
• British Airways Executive Club
• Aer Lingus AerClub
• Iberia Plus

Wells Fargo plans to expand this lineup to offer even more transfer opportunities to cardholders.

$50 Annual Airline Credit

Each year, you’ll receive a statement credit of $50 when you make an airline purchase of $50 or more. Unlike some airline credits, these can be used to buy airfare as well—and you don’t have to choose an airline ahead of time. Qualifying purchases include airfare, upgrades, checked baggage, change fees and more. So, whether you’re booking a flight or paying for a fee related to a flight you’re taking, this annual airline credit has your back.

Travel Protections

The best-laid travel plans can easily go astray when your flight is canceled, your bag is lost or something happens to your rental car. Your trip is covered when you use the Wells Fargo Autograph Journey Visa to book your reservations. Trip cancellation and interruption protection covers you up to $15,000 for lodging, flights and activities when your trip is canceled or interrupted for a covered reason.

If your checked or carry-on luggage is lost or stolen during transit, you’re covered for up to $3,000 per trip. Additionally, your rental car is protected against damage or theft with secondary rental car insurance. The card also comes with up to $1,000,000 in travel accident insurance, travel and emergency services assistance, roadside dispatch and more.

Cell phone Insurance

When you pay your cell phone bill with the Autograph Journey Card, you’re covered for up to $1,000 in cell phone insurance (up to two claims per 12-month period). This coverage protects you against damage, theft or loss, and it requires a simple $25 deductible.

Visa Signature Luxury Hotel Collection

As a Visa Signature credit card, this Wells Fargo credit card includes access to the Visa Signature Luxury Hotel Collection. Book a stay at one of the participating hotels to receive benefits similar to those who have elite status. Benefits include the best available rate guarantee, complimentary room upgrade (when available), complimentary breakfast for two, VIP guest status, late checkout upon request (when available) and a $25 food and beverage credit. Select hotels offer additional perks like a free hotel night, resort credits and more.

Autograph Card Exclusives

Eligible Wells Fargo cardholders also have access to Autograph Card Exclusives. These live, intimate events feature a limited number of tickets available exclusively to cardholders to purchase. Events occur throughout the U.S., and available artists and experiences change during the year.

Who Is the Wells Fargo Autograph Journey Card Best For?

The Autograph Journey from Wells Fargo is best for travelers who want to maximize rewards on travel purchases. This card’s bonus categories center around travel and dining, and it doesn’t require cardholders to book through the bank’s travel portal to earn maximum rewards. This card allows you to book directly with airlines, hotels and other travel providers to earn credit card rewards and perks from the loyalty programs.

While the card has a $95 annual fee, it is offset by its yearly $50 credit toward airline purchases. Simply book flights of $50 or more to automatically receive the statement credit on your next bill. The card’s complimentary travel protections and cell phone insurance also provide peace of mind for frequent travelers and people whose cell phone is an indispensable part of their daily lives.

Travelers who want to earn flexible rewards points that can transfer to airline and hotel loyalty programs will also be excited about this new Wells Fargo credit card . The Autograph Journey launches with five airline partners and one hotel partner. While this total is smaller than competing brands, Wells Fargo is working to expand its list of transfer partners, and more brands will be added throughout the year.

Who Should Consider an Alternative to the Wells Fargo Autograph Journey Card?

While the Wells Fargo Autograph Journey has much to offer, it may not be the right card for every traveler. Wells Fargo intends to add more transfer partners over time, but some consumers may not want to wait that long or roll the dice that new partners will be among their preferred brands. Consumers who want access to a greater array of transfer partners should look at alternatives from Chase , Citi, Capital One or American Express , since each of those programs has 14 or more partners to choose from.

Having access to TSA PreCheck or Global Entry while traveling is a huge timesaver. The Autograph Journey credit card does not offer reimbursement for these Trusted Traveler application fees. Some travel credit cards at the same price point, like the Capital One Venture Rewards Credit Card or the United℠ Explorer Card (whose benefit also applies to the NEXUS program), include reimbursement once every four years.

How Does the Wells Fargo Autograph Journey Card Stack Up to Its Competitors?

Before applying for the Wells Fargo Autograph Journey Card, compare it to these popular travel credit cards to decide which one is best for your wallet.

Wells Fargo Autograph Journey vs Chase Sapphire Preferred® Card

The Chase Sapphire Preferred is a solid travel credit card that earns Ultimate Rewards points. With this card, you’ll earn 5X points on travel when booking through Chase Travel and 2X points on other travel purchases, such as when purchasing directly with the airline, hotel or other provider. The Autograph Journey doesn’t require you to book through its portal to earn its top rewards rates and earns 50% more points on all other travel purchases. The Sapphire Preferred also earns 3X points on dining, select streaming services and on online groceries (excluding Target, Walmart and wholesale clubs), while the Autograph Journey earns 3X points only on dining.

When you redeem Ultimate Rewards points, you’ll get 25% more value when booking travel through Chase Travel. This extra value means you’ll redeem fewer points than booking similar travel through Wells Fargo. There are also 14 Chase airline and hotel partners , which is nearly three times as many options, and it features well-known domestic brands like United, Southwest, Hyatt and Marriott.

Wells Fargo Autograph Journey vs. Capital One Venture Rewards Credit Card

With the Capital One Venture Rewards Card , you’ll earn an unlimited 2X miles on every purchase and 5X miles on hotels and car rentals booked through Capital One Travel. While it doesn’t offer the same earning power as the Autograph Journey, the Venture Card offers a solid rewards rate on every purchase, which is ideal for people who don’t want to remember which categories offer extra rewards. The card also includes up to $100 reimbursement for Global Entry or TSA PreCheck membership application fees and complimentary Hertz Five Star elite status, which the Autograph Journey cannot match.

Capital One miles can be redeemed for cash back, travel, gift cards and more. Cardholders can also get statement credits for purchases made in the previous 90 days. Further, Capital One offers more than 15 airline and hotel transfer partners, which is three times as many options as Wells Fargo. The card does not charge foreign transaction fees, and it includes auto rental collision damage waiver and extended warranty protection on eligible purchases made with your card.

Wells Fargo Autograph Journey vs. Wells Fargo Autograph℠ Card

For people who want to earn Wells Fargo credit card points but don’t want to pay an annual fee, the Wells Fargo Autograph Card is a solid choice. This card earns an unlimited 3X points on travel, gas, restaurants, transit, popular streaming services and phone plans. These bonus categories are an excellent way to maximize common spending categories, and many of these household categories aren’t available from the Autograph Journey Card.

Additionally, the no-annual-fee Autograph card includes an introductory APR offer on purchases, which the Autograph Journey doesn’t offer. If you need extra time to pay off your purchases without incurring interest charges, the Wells Fargo Autograph Card is the best option. This card includes many of the same protections as the $95 annual fee Autograph Journey, and its points also can be redeemed for cash back, gift cards and more or transferred to airline and hotel partners.

Frequently Asked Questions

What credit score do you need for a wells fargo autograph journey card.

For the best approval odds, you should have good to excellent credit when applying for the Autograph Journey Card. A good FICO credit score ranges from 670 to 739, while very good to exceptional FICO credit score start at 740 and above. If your credit score is below these levels, take steps to improve your score before applying.

How Much Are 60,000 Wells Fargo Points Worth?

At the most basic level, Wells Fargo points are worth 1 cent each toward travel, cash back, gift cards and more. This means that the 60,000 welcome bonus points from the Wells Fargo Autograph Journey Card are worth $600. With the introduction of transfer partners, you may receive even higher value when transferring points to book award flights or hotel rooms.

Does the Wells Fargo Autograph Journey Card Have Lounge Access?

No, the Autograph Journey does not include lounge access. To receive airport lounge access, typically, you’ll need to get a premium credit card for travel with an annual fee that likely ranges $395 or higher. Premium travel credit cards are best for frequent travelers who can justify paying such a high annual fee.

The post Wells Fargo Autograph Journey Credit Card Review 2024: Earn up to 5X Points on Travel Purchases first appeared on Newsweek Vault .

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[New Card Alert] Wells Fargo Launches Signify Business Cash Card

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Signify Business Cash Card Welcome Bonus

Signify business cash card bonus categories and perks, final thoughts.

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Wells Fargo has just announced a new credit card option to the market for small business owners.

Let’s take a look at the details of the Signify Business Cash℠ Card to help you determine whether it is a good fit for your small business.

With the Signify Business Cash card, you can earn a $500 cash rewards bonus when you spend $5,000 in purchases in the first 3 months .

This $500 bonus effectively gets you 10% cash-back on your initial purchases as you work your way toward the $5,000 minimum spend requirement.

The card also comes with a 0% intro APR on purchases for 12 months from account opening. This can be great for new business owners looking to finance purchases while they wait for their business to generate revenue without needing to pay interest.

The Signify Business Cash card earns an uncapped 2% cash rewards on all purchases. Business owners who prioritize cash rewards and want to avoid the hassle of memorizing bonus categories will find this rate highly favorable for their purchases.

Further, you’ll receive perks like free employee cards, flexible redemption options, and primary rental car insurance, without worrying about an annual fee.

You’ll also receive a “Pay As You Go” Priority Pass membership. Note that this is not the same as a full Priority Pass membership, which gives you complimentary access to Priority Pass lounges. Instead, it allows you to access Priority Pass lounges during your travels at a discounted rate of $35 per visit .

Learn more about Wells Fargo’s card offerings in our full reviews of the Wells Fargo Reflect ® Card , Wells Fargo Active Cash ® Card , and  Wells Fargo Autograph Journey℠ Visa ® Card .

While there are a handful of 2% cash-back business cards with no annual fees on the market, the Wells Fargo Signify Business Cash card is interesting in that it offers a sizeable welcome bonus offer, primary auto rental collision damage waiver, and airport lounge access, albeit at a discounted pay-as-you-go rate.

The information regarding Wells Fargo Autograph Journey℠ Visa ® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

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About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.

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A force multiplier for travel rewards: Wells Fargo Visa Signature credit card review

Update: The Wells Fargo Propel American Express® card is no longer open to new applications. Some offers mentioned below are no longer available. View the current offers here .

Wells Fargo Visa Signature® card Overview

The Wells Fargo Visa Signature® card doesn't offer rewards that transfer to airline miles, but as you'll see, that shouldn't be a deal-breaker since it gives you the opportunity to earn an impressive 4.5% back in travel rewards on many of your purchases. Card Rating*: ⭐⭐⭐½

*Card Rating is based on the opinion of TPG's editors and is not influenced by the card issuer.

As more airlines move to dynamic — and usually higher — pricing of their mileage awards, they're giving travelers less incentive to use their own cobranded cards to earn frequent-flyer miles. Instead, award travel enthusiasts should be looking for ways to earn rewards from their credit cards that they can redeem for any flight on any airline. The Wells Fargo Visa Signature Card can be a great tool for doing just that. The points this card earns can be worth as much as 1.5 cents each toward flights. Better yet, carrying this card has the effect of increasing the value of points you earn from other Wells Fargo cards, which is why you shouldn't overlook it in your wallet.

First, the bad news: The card application is not currently available on the Wells Fargo site. But if you already carry this potential powerhouse, read on to see how you can leverage its benefits for maximum value.

The information for the Wells Fargo Visa Signature card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

New to The Points Guy? Want to learn more about credit card points and miles? Sign up for our daily newsletter .

Who is this card for?

The Wells Fargo Visa Signature is a card for those who want to earn travel rewards without paying an annual fee or having to focus their energy on a single airline and hotel loyalty program. With this card you earn points that can be redeemed for flights on any airline, just like paying for tickets with cash. This is also a card that works well for those who already bank with Wells Fargo and want to manage their credit cards along with their other accounts.

Finally, this card's secret superpower is that it increases the value of the Wells Fargo Go Far Rewards earned from the bank's other cards, including the Wells Fargo Propel American Express® card (no longer available to new applicants). Normally, points earned from that card are worth 1 cent each toward airfare redemptions, but when you also carry the Wells Fargo Visa Signature card, they become worth 1.5 cents each.

The Wells Fargo Propel offers various bonus earning categories with up to 3x per dollar on:

• Gas stations
• Popular streaming services

It earns 1x on everything else. So if you used your Wells Fargo Propel to earn 3x on those special categories, and then combined your rewards with the ones from your Wells Fargo Visa Signature before redeeming for flights, you could be getting as much as 4.5% (3x with a 50% bonus) return on your spending for airfare redemptions, specifically.

The information for the Wells Fargo Propel has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Sign-up bonus

The card is currently not available to new applicants.

Main benefits and perks

This card comes with strong benefits, including:

• 0% intro APR financing for the first 15 months from account opening on both new purchases and balance transfers (then a variable APR of 12.49% to 25.49% applies)
• Introductory balance 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.
• Trip cancellation protection
• Lost luggage reimbursement
• Collision damage coverage on auto rentals
• Purchase protection
• Price protection
• Extended warranty coverage
• Mobile phone protection plan that covers you when you charge your phone service bill to your card
• Visa Signature Luxury Hotel Collection perks

Many of these are simply benefits that come with any Visa Signature card. But take special note of the mobile phone protection — for just a $25 deductible, you'll receive up to $600 in coverage against theft or damage for your phone (up to $1,200 per 12-month period) when you use your card to pay your monthly cell phone bill. That's extraordinary for a no-annual-fee credit card .

Related: Best credit cards for cell phone protection

How to earn points

Let's get straight to the point: This card's earning rate is poor. You'll earn just 1 point per dollar spent on all purchases. That's it. You can, however, earn bonus points when you shop through the Wells Fargo's Go Far Earn More Mall .

How to redeem points

Points from this card can be redeemed through the Go Far Rewards portal for:

• Car rentals
• Merchandise
• Online auctions

You'll want to skip all options except airfare redemptions, though. That's because points redeemed for airfare are worth 1.5 cents each, which is 50% more than the others possibilities. Just note that you have to redeem your points using the Wells Fargo Go Far Rewards portal, specifically; you can't book your reservations directly with an airline or through an OTA and then request a statement credit later.

Related: Wells Fargo Go Far Rewards

Little-known facts about the Wells Fargo Visa Signature

1. You can receive as much as 1.75 cents per point. If you use your card to spend $50,000 in a year, you receive as much as 1.75 cents per point in value for airfare redemptions.

2. This is one of the rare no-annual-fee Visa Signature cards. As mentioned above, the Visa Signature program comes with a suite of benefits, including various travel protections. But nearly all Visa Signature cards charge annual fees, except this one and a few others.

3. It's also a rare no-annual-fee card with mobile phone protection. There aren't too many cards that offer theft and damage coverage for mobile phones, beyond the basic 60 or 90 days of purchase protection that might cover all new purchases. But this card has no annual fee and cell phone protection (with a $25 deductible) with a maximum benefit limit of $600 per claim and $1,200 per 12-month period. That's more generous than most cell phone coverages on annual-fee-incurring cards!

4. This card charges a "foreign currency conversion fee." Many credit cards still charge a foreign transaction fee for charges processed outside of the U.S. Cards that have these fees even impose them on charges you make at home from a foreign company in some cases. For example, if you purchase a travel reservation from a foreign airline or hotel, you might be charged in U.S. dollars, but since the transaction is processed outside of the U.S., you could still be charged this fee. This is also the case in other countries that use U.S. dollars, such as Ecuador, El Salvador and the British Virgin Islands. But the Wells Fargo Visa Signature card is different in that it has a foreign currency conversion fee of 3%. This means that you should't be charged this fee if your foreign transaction is in U.S. dollars. It's better to have a card with none of these fees, but Wells Fargo is doing something different here.

Related: Best credit cards with no foreign transaction fees

Bottom line

The Wells Fargo Visa Signature card is a simple travel rewards card with serious potential. If you were able to apply while it was still possible, you would have started off with a generous initial rewards offer and 15 months of interest-free financing. But to get really good long-term value from this card, you'll need to use it for airfare redemptions to get 1.5 or even 1.75 cents per point. You'll also want to pair it with the Wells Fargo Propel American Express card to get that card's 3x reward categories.

By itself, airfare rewards worth 1.5% of spending aren't very exciting, even with a strong package of cardholder benefits. But when you're able to combine these two cards and up your return on spending to 4.5% (or even 5.25% if you spend $50,000 or more per year on the Wells Fargo Visa Signature) on many of your purchases, then you could have a winning combination.

Additional reporting by Joseph Hostetler.

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Wells Fargo Autograph℠ Card Review: Big Rewards, No Annual Fee

What’s on This Page

The bottom line, pros and cons, detailed review, compare to other cards, benefits and perks, drawbacks and considerations, how to decide if it's right for you.

This card offers excellent rewards — not to mention transfer partners — for an unbeatable price. It doesn't offer the perks of an airline- or hotel-branded card, though.

Rewards rate

Bonus offer

• Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.

0% intro APR on Purchases for 12 months from account opening

Ongoing APR

APR: 20.24%, 25.24%, or 29.99% Variable APR

Cash Advance APR: Refer to Important Credit Terms

Balance transfer fee

up to 5%, min: $5

Foreign transaction fee

• Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
• Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
• $0 annual fee.
• 0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%, or 29.99% variable APR thereafter.
• Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
• Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
• Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.

No annual fee

Bonus categories

No reward caps

Cell phone insurance

New cardholder bonus offer

No free checked bags

No free anniversary night

No luxury perks

Requires good/excellent credit

If you'd love to earn valuable rewards on your travel credit card but hate annual fees, consider putting your autograph on an application for the Wells Fargo Autograph℠ Card .

The card, which has an annual fee of $0 , is primarily positioned in the market as a travel credit card because of its triple points on travel spending. But its other bonus-reward categories are highly useful for everyday spending, too. They include 3 points per dollar spent at restaurants and gas stations, as well as on transit, streaming services and phone plans. Plus, those points are flexible; you can even transfer them to a limited number of travel partners.

That makes this card a candidate to be a primary — even front-of-wallet — credit card to carry with you, as well as one you can “set and forget” for recurring streaming and phone payments. And rewards are unlimited, unlike some competing cards that cap bonus rewards. That’s a big deal for big spenders.

You won’t get the upscale perks of high-annual-fee travel credit cards, or brand-specific perks like free checked bags that airline credit cards often offer. But a healthy sign-up bonus and nice-to-have cell phone insurance on the Wells Fargo Autograph℠ Card add to its allure as a top pick among not only no-fee travel credit cards but cash-back cards as well.

The same bank also offers an ideal companion — an excellent flat-rate rewards card called the Wells Fargo Active Cash® Card .

Some Wells Fargo Propel American Express® card holders were moved to the Wells Fargo Autograph℠ Card when the Wells Fargo Propel American Express® card was discontinued in 2023.

Wells Fargo Autograph℠ Card : Basics

Card type: Travel .

Annual fee: $0 .

Sign-up bonus: Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.

Rewards: Unlimited 3 points per dollar spent on:

Restaurants.

Travel and transit.

Gas stations (and electric vehicle charging stations).

Popular streaming services.

Select phone plans.

Plus, 1 point per dollar spent on all other purchases.

Redemptions: Points are worth 1 cent each. Cardholders can redeem points for travel, gift cards or statement credits — or when checking out online with PayPal.

» MORE: Wells Fargo Rewards: How to earn and use them

APR offer: 0% intro APR on Purchases for 12 months from account opening, and then the ongoing APR of 20.24%, 25.24%, or 29.99% Variable APR .

Foreign transaction fee: None.

Other benefits:

Cell phone protection of up to $600, minus a $25 deductible, for damage to or theft of your phone (when you use the card to pay your monthly cell phone bill).

Hotel and airline transfer partners

Access to Autograph Card Exclusives .

My Wells Fargo Deals retail offers.

» MORE: Top credit cards that offer cell phone insurance

The Wells Fargo Autograph℠ Card vs. the Wells Fargo Autograph Journey℠

The Wells Fargo Autograph℠ Card has a $95-annual-fee sibling, the Wells Fargo Autograph Journey℠. The cards have different rewards structures, but some of the same benefits.

Annual fee of $0

Some of the best rewards cards — especially those that have generous welcome offers and high ongoing rewards — come with an annual fee. You usually have to earn enough value in rewards to break even with the annual fee. That's not an issue with the Wells Fargo Autograph℠ Card . It's rare to find a travel rewards card that offers this much ongoing value at no yearly cost (assuming you don't rack up interest charges).

» MORE: NerdWallet's best no annual fee travel credit cards

Useful reward categories

Reward categories for the Wells Fargo Autograph℠ Card are lucrative and broadly appealing. The 3 points per dollar spent apply to many spending categories you might use in a single day, even when you’re not traveling. They include restaurants, transit and gas stations. And nowadays, most people are paying for popular streaming services and phone plans, so you may as well get rewarded for it.

Travel and transit definitions are broad and include: airline, hotel/motel, timeshare, vehicle/auto rental, cruise lines, travel agencies, discount travel websites, campgrounds, passenger railway, taxis, limousines, ferries, toll bridges and highways, parking lots and garages. The gas stations category includes electric vehicle charging stations. And the restaurant category specifically includes caterers.

Adding to its everyday shopping appeal are retail offers. Cardholders have access to My Wells Fargo Deals — a merchant-funded platform that offers cash back in the form of a statement credit when shopping, dining or enjoying an experience. You must activate the deal first.

» MORE: NerdWallet's best cards for streaming services

Travel-friendly

The lack of foreign transaction fees is welcome on the Wells Fargo Autograph℠ Card — and, really, should be table stakes for all travel credit cards. Plus, it's a Visa, which has worldwide acceptance.

Unlimited rewards

Sometimes underappreciated is whether a card’s bonus rewards are unlimited. The Wells Fargo Autograph℠ Card has no caps on its 3x rewards. That makes it even more lucrative for bigger spenders who would hit the bonus rewards cap with other cards and then be relegated to earning a mere 1 point per dollar spent.

For example, the Chase Freedom Flex℠ with an annual fee of $0 is a cash-back card, but it can be used as a travel card, too. (It offers 5% back on travel booked through Chase.) While excellent in many ways, the card’s 5% rotating bonus categories are capped at $1,500 per quarter before dropping to 1% cash back.

Notable too: the Wells Fargo Autograph℠ Card points don’t expire so long as the card account is open.

» SEE: Benefits of the Wells Fargo Autograph℠ Card

Ample redemption options

No matter how you redeem your rewards, the Wells Fargo Autograph℠ Card has plenty of options. Points are generally worth a penny each when used toward a statement credit, gift cards or booking travel through Wells Fargo's portal.

But for travelers willing to put in the work, transferring points to the card's transfer partners can provide outsized value:

Air France-KLM (1:1 ratio).

Avianca (1:1 ratio).

British Airways (1:1 ratio).

Aer Lingus (1:1 ratio).

Iberia (1:1 ratio).

Choice Privileges Hotels (1:2 ratio).

Access to transfer partners on a $0 -annual-fee is rare (but not unheard of). While that partner list isn't as broad as other cards that earn transferrable point currencies — such as Chase Ultimate Rewards® or American Express Membership Rewards — it should still be possible to find good deals if you're willing to put in the research.

Points can be combined among Wells Fargo primary-cardholder accounts. For example, if you hold the Wells Fargo Active Cash® Card , cash-back rewards earned on that card can also be combined with rewards from the Wells Fargo Autograph℠ Card and the Wells Fargo Autograph Journey℠. However, if you hold only the Wells Fargo Active Cash® Card , you cannot transfer rewards to travel partners.

The Wells Fargo one-two punch

A bonus rewards credit card like this one in conjunction with a good flat-rate credit card can dovetail nicely to amp up overall rewards. Wells Fargo has two of the better cards for such a pairing: this Wells Fargo Autograph℠ Card for its bonus categories and travel perks, plus the Wells Fargo Active Cash® Card for its high 2% cash back on all spending and a healthy sign-up bonus.

As an example, you would use the Wells Fargo Autograph℠ Card at restaurants and gas stations, earning 3 points per dollar spent, while pulling out the Wells Fargo Active Cash® Card to pay the dentist, florist and other vendors who don’t fit into the bonus categories, earning 2 points per dollar spent.

Few premium perks

If you're seeking a card with exclusive travel perks and other benefits, you're probably going to have to pay for it. The Wells Fargo Autograph℠ Card doesn't come with an annual fee, but it also doesn't come with goodies like Global Entry/TSA PreCheck application reimbursement, airport lounge access or the ability to transfer rewards to hotel or airline partners.

Debatably, that knocks it down a step from many travel credit cards that offer those perks but also charge an annual fee.

For example, you would get a free checked bag for you and a companion, plus priority boarding on United flights with the United℠ Explorer Card , which has an annual fee of $0 intro for the first year, then $95 .

Or, a hotel card like the World of Hyatt Credit Card , with an annual fee of $95 , gives you an automatic free night annually.

» MORE: Wells Fargo credit cards mobile app review

Bonus categories to remember

If you want rewards from a travel card without annual fees but find the idea of remembering bonus categories unpalatable, the Bank of America® Travel Rewards credit card is a solid choice. Cardholders earn an unlimited 1.5 points per dollar spent on all purchases. You also earn 3 points per dollar spent — twice the card's usual rate — at the Bank of America® Travel Center. Rewards can be redeemed for credit against any travel purchase. Those who qualify for the Bank of America Preferred Rewards ® program can earn bonuses on their earnings of 25% or more.

And, again, if simple cash back is more your taste, you’ll have trouble beating the Wells Fargo Active Cash® Card with 2% cash back on everything and a generous sign-up bonus.

The Wells Fargo Autograph℠ Card is not only a good travel credit card, but it's also a good card for everyday spending, too. There are plenty of redemption options, including access to travel transfer partners.

It won’t give you higher-end travel perks, like lounge access or free checked bags at the airport. But those premium perks come with a premium price.

If you don’t like annual fees, you’ll be hard-pressed to find a better travel credit card than the Wells Fargo Autograph℠ Card , whether you’re on a far-flung journey or staying near home.

Looking For Something Else?

Methodology.

NerdWallet reviews credit cards with an eye toward both the quantitative and qualitative features of a card. Quantitative features are those that boil down to dollars and cents, such as fees, interest rates, rewards (including earning rates and redemption values) and the cash value of benefits and perks. Qualitative factors are those that affect how easy or difficult it is for a typical cardholder to get good value from the card. They include such things as the ease of application, simplicity of the rewards structure, the likelihood of using certain features, and whether a card is well-suited to everyday use or is best reserved for specific purchases. Our star ratings serve as a general gauge of how each card compares with others in its class, but star ratings are intended to be just one consideration when a consumer is choosing a credit card. Learn how NerdWallet rates credit cards.

About the author

Gregory Karp

Top 14 things to do and attractions in Mytishchi

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1 St. Basil's Cathedral

2 All-Russian Exhibition Center

3 Kva-Kva Park

4 fest mytishchi drama and comedy theatre, 5 mytishchi arena.

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6 Mytishchi Park Of Culture And Leisure

7 monument to the hero of the soviet union raspopova nina maksimovna, 8 teatr kukol ognivo, 9 mytishchi history and art museum, 10 mytishchinskaya kartinnaya galereya, 11 perlovskiy park, 12 xl outlet, 13 interactive einstein museum, 14 zamaniya, family adventure park, what's the weather like in mytishchi.

It depends on when you visit! We've compiled data from NASA on what the weather is like in Mytishchi for each month of the year: see the links below for more information.

• Weather in Mytishchi in January
• Weather in Mytishchi in February
• Weather in Mytishchi in March
• Weather in Mytishchi in April
• Weather in Mytishchi in May
• Weather in Mytishchi in June
• Weather in Mytishchi in July
• Weather in Mytishchi in August
• Weather in Mytishchi in September
• Weather in Mytishchi in October
• Weather in Mytishchi in November
• Weather in Mytishchi in December

Explore nearby places

• Lesnyye Polyany
• Dolgoprudny
• Zagoryanskiy
• Ptitsefabriki
• Pekhra-Pokrovskoye
• Ivanovskoye
• Bratovshhina
• Likino-Dulevo

All related maps of Mytishchi

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• Map of Bratovshhina
• Map of Fedoskino
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• Map of Shatura
• Map of Likino-Dulevo

Mytishchi throughout the year

• Mytishchi in January
• Mytishchi in February
• Mytishchi in March
• Mytishchi in April
• Mytishchi in May
• Mytishchi in June
• Mytishchi in July
• Mytishchi in August
• Mytishchi in September
• Mytishchi in October
• Mytishchi in November
• Mytishchi in December

Looking for day-by-day itineraries in Mytishchi?

Get inspired for your trip to Mytishchi with our curated itineraries that are jam-packed with popular attractions everyday! Check them out here:

• 1-Day Mytishchi Itinerary
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• 2 Get around

Mytishchi is a mid-sized industrial city in North Moscow Oblast , which borders Moscow to the southwest. It is perhaps Moscow Oblast 's principal industrial center, particularly for machinery and armaments.

Get in [ edit ]

A convenient elektrichka route (in fact, the first elektrichka route in Russia) runs frequently all day between Mytishchi and Moscow's Yaroslavsky Train Station. Rapid trains (Sputniks) bound to Pushkino and Bolshevo also stop here.

You can also get here pretty easily by taking the Kaluzhsko-Rizhskaya metro line to the end at Medvedkovo and there catch a bus or marshrutka to the Mytishchi center from the metro station.

Do [ edit ]

There is one of the biggest ice Arenas in Region (appr. 8 500 visitors) for ice hockey.

At summer: several pay beaches at Pirogovo water reservoir. Malibu pay resort (yachts, cafes etc)

Sleep [ edit ]

Go next [ edit ].

• Pushkino is just a little farther along the rail and elektrichka lines running from Moscow through Mytishchi.

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Stay near popular mytishchi attractions.

You can learn about the history of Moscow with a trip to Red Square. Experience the area's fascinating museums and acclaimed theater scene.

• Moscow Kremlin

Visit the most iconic square in Russia, which is bordered by many of the city’s most famous landmarks.

• St. Basil's Cathedral

Think of Russia and you probably picture this iconic building, whose onion-shaped domes overlook the Moscow skyline.

• Bolshoi Theatre

A centerpiece of the Russian arts scene, this theater’s magnificent auditorium and top-tier productions will impress even the most jaded theatergoer.

• Lenin's Mausoleum

Mourners and curious visitors stream to the grave to see the embalmed Vladimir Lenin, the famous revolutionary and one-time leader of the Soviet Union.

• Exhibition of Achievements of National Economy

Learn about the events happening at Exhibition of Achievements of National Economy during your trip to Moscow. Wander the parks and gardens while you're in the area.

Mytishchi Travel Info

Frequently asked questions.

Yes! The majority of hotel room reservations are fully refundable if you cancel prior to the hotel's cancellation deadline, which is usually within 24-48 hours of check in. If you have a reservation that's non-refundable, it might still be possible to cancel it and receive a refund within a 24-hour period of your booking. Filter your search by fully refundable to find flexible hotel deals in Mytishchi.

For additional details about changing or cancelling your trip to Mytishchi, head over to our customer service page .

GoodTime is one of the top choices for your stay based on our traveler data, and this 3.5-star hotel offers a restaurant and free parking. It's located just a short 0.9 mi (1.4 km) from Puppet Theatre Flint. Other good choices within 5 miles include Skazka Vostoka - Hostel and Lecco Art-Hotel .

One of the top choices for your stay is Lecco Art-Hotel , located a short 0.4 mi (0.7 km) from Mytishchi Arena, and this 3.5-star hotel offers a restaurant and free parking. Skazka Vostoka - Hostel , located just 0.8 mi (1.3 km) away, is another good option for your stay.

Visitors can enjoy all that Mytishchi has to offer including the hockey games, cafes, and theaters. Tourists can also enjoy the city's churches, monuments, and beaches. In Mytishchi, there are 14 hotels and other accommodations to choose from. Find out more about Mytishchi .

Cultural venues include Puppet Theatre Flint , Ognivo Mytishchi Municipal Puppet Theater , and Mytischi Historical Art Museum . A couple of additional sights to add to your agenda are XL Family Outlet and Mytishchi Arena . Check out what more to see and do in Expedia's Mytishchi guide .

If you'd like to explore more of the area, hop aboard a train from Mytishchi Station, Mytishchi Tayninskaya Station, or Mytishchi Perlovskaya Station. If you want to venture out around the area, you may want a rental car in Mytishchi for your journey.

The hottest months are usually July and August with an average temp of 63°F, while the coldest months are January and February with an average of 22°F. The snowiest months in Mytishchi are December, February, January, and November, with each month seeing an average of 20 inches of snowfall.

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Hotels in Mytishchi Neighborhoods

• Eastern Administrative Okrug
• Losinoostrovsky District
• Yaroslavsky District
• Metrogorodok
• North-Eastern Administrative Okrug
• Kva-Kva Aquapark
• Mytishchi Arena
• Cathedral of the Nativity of Christ
• Mytishchi Museum of Nature Protection
• Fest Mytishchi Drama and Comedy Theater
• Ice Stadium Mytischi
• Ice Palace Arena Mytischi
• Crocus City Hall
• Moscow City
• Crocus Expo Center
• State Historical Museum
• Armoury Chamber
• Arbat Street

More Hotel Options in Mytishchi

• Resorts & Hotels with Spas (1)

Hotels near Mytishchi Airports

• Sheremetyevo Airport
• Bykovo Airport
• Zhukovsky Airport
• Vnukovo Intl. Airport
• Domodedovo Intl. Airport
• Chkalovsky Airport Airport
• Ostafyevo Airport

Other Hotels near Mytishchi, Moscow

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