The Wells Fargo Autograph Card earns points on everyday spending categories like dining, travel, gas, and streaming, all with no annual fee. It’s a strong option if your spending naturally falls into those categories. Before you apply, it helps to know what Wells Fargo is looking for so you can go in with the best possible shot at approval.
Your credit score is the starting point, but Wells Fargo also looks at your income, debt levels, and overall financial profile before making a decision.
Credit Score Requirements for the Wells Fargo Autograph Card
Most applicants who get approved for the Wells Fargo Autograph Card have a credit score of 700 or higher, putting them in the good to excellent range. A higher score not only improves your approval odds but also increases your chances of qualifying for a higher credit limit.
That said, a score slightly below 700 doesn’t automatically disqualify you. If your income is strong and your debt load is low, Wells Fargo may still approve your application.
How to Improve Your Chances Before You Apply
If your score isn’t at 700 yet, or you just want to put your strongest application forward, these steps can make a real difference.
- Check your credit report: Pull your reports from Equifax, Experian, and TransUnion and look for errors or inaccurate negative items. Disputing incorrect information can improve your score before you apply.
- Lower your credit utilization: If you’re using more than 30% of your available credit, paying down balances before you apply can strengthen your application significantly.
- Build a consistent payment history: Wells Fargo wants to see a track record of on-time payments across your accounts. Even a few months of clean payment history can move your score in the right direction.
- Show stable income: A reliable income stream tells Wells Fargo you can handle a new credit line. Make sure your income information is accurate and current when you apply.
- Space out credit applications: Multiple hard inquiries in a short window can pull your score down and signal financial stress. Only apply for new credit when it makes sense to do so.
Ready to take action on your credit?
Get your personalized plan in 30 seconds. Free, no credit check.
Is the Wells Fargo Autograph Card Worth It?
For the right spender, yes. The combination of no annual fee and strong rewards in high-spend categories makes it one of the better no-fee cards available. If dining, travel, gas, and streaming make up a significant portion of your monthly spending, the points can add up quickly.
Going in with a credit score of 700 or higher and a clean financial profile puts you in the best position to get approved and get the most out of what the card offers.
