Wells Fargo Autograph vs. Wells Fargo Reflect

Within the Wells Fargo credit card stable, two cards vie for your everyday spending: the Wells Fargo Autograph℠ Card and the Wells Fargo Reflect® Card. While they share the same issuer, their reward structures and target audiences differ. Let’s delve into the details to help you pick the perfect Wells Fargo companion for your wallet.

Basic Feature Comparison

FeatureWells Fargo AutographWells Fargo Reflect
Rewards TypePointsNo Rewards
Points Earned3X points on travel, gas, transit, streaming services, restaurants; 1X point on everything elseN/A
Points RedemptionPoints can be redeemed for travel, statement credits, merchandise, or gift cards. Points value varies depending on redemption option.N/A

Comparison Table Between Wells Fargo Autograph Vs Wells Fargo Reflect

FeatureWells Fargo AutographWells Fargo Reflect
Annual Fee$0$0
Welcome BonusUp to 25,000 points after spending $3,000 in purchases in the first 3 months from account openingNone
Foreign Transaction FeeNoneNone
Other FeaturesNoneCell phone protection, Visa Signature® benefits (including concierge services)

Also See: Autograph Vs Quicksilver: Choosing the Right Rewards Ride

Who Should Steer Towards Which Card?

  • Wells Fargo Autograph: This card caters to frequent spenders in travel, dining, and entertainment categories (where you earn 3X points). If you travel often and can redeem points for travel through Wells Fargo’s portal, you can maximize their value.
  • Wells Fargo Reflect: Ideal for those who prioritize value-added benefits over rewards points. The cell phone protection and Visa Signature® perks can be valuable, especially if you already pay for cell phone insurance or use concierge services frequently.

Pros and Cons: Wells Fargo Autograph


  • No annual fee
  • Bonus points in several spending categories
  • Flexible redemption options


  • Points value can fluctuate depending on redemption method
  • Less straightforward rewards system compared to no-rewards cards

Pros and Cons: Wells Fargo Reflect


  • No annual fee
  • Valuable cell phone protection
  • Visa Signature® benefits


  • No rewards program for earning points or cash back

Requirements to Get on Board

Both cards typically require good credit, usually a score of 670 or higher. There is no specific income requirement listed by Wells Fargo.

The Verdict: Points or Perks?

The Wells Fargo Autograph is a compelling option for those who crave rewards and can leverage its bonus categories. However, if you value phone protection and perks more than earning points or cash back, the Wells Fargo Reflect might be the better fit. Ultimately, the best card hinges on your spending habits and how you prioritize rewards versus benefits.

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