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Wells Fargo Autograph Card Guide

📊13 community entries

Royal Caribbean

USA

Travel

Date

2026-01-07

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.royalcaribbean.com

Reward Details

Amount

Earning Rate

100 USD3X

Rewards

300 Points

Holland America

USA

Travel

Date

2026-01-07

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.hollandamerica.com/en/us/

Reward Details

Amount

Earning Rate

100 USD3X

Rewards

300 Points

Carnival Cruise Line

USA

Travel

Date

2026-01-07

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.carnival.com

Reward Details

Amount

Earning Rate

100 USD3X

Rewards

300 Points

Norwegian Cruise Line

USA

Travel

Date

2026-01-07

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.ncl.com

Reward Details

Amount

Earning Rate

100 USD3X

Rewards

300 Points

Carnival

USA

Travel

Date

2026-01-07

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.carnival.com

Reward Details

Amount

Earning Rate

100 USD3X

Rewards

300 Points

Uber

USA

Travel

Date

2025-12-12

Giftcard Purchased

No

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

100 USD3X

Rewards

300 Points

Lyft

USA

Travel

Date

2025-12-12

Giftcard Purchased

No

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

100 USD3X

Rewards

300 Points

Crumbl Cookies

USA

Restaurants

Date

2025-12-08

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

20 USD3X

Rewards

60 Points

Expedia

USA

Travel

Date

2025-10-25

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.expedia.com

Reward Details

Amount

Earning Rate

100 USD3X

Rewards

300 Points

Booking.com

USA

Travel

Date

2025-10-25

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.booking.com

Reward Details

Amount

Earning Rate

100 USD3X

Rewards

300 Points

Parking

USA

Travel

Date

2025-09-25

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD0.03X

Rewards

3 Points

Disney World Dining

USA

Dining

Date

2024-09-05

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD3X

Rewards

300 Points

Disney World Tickets

USA

Amusement Park

Date

2024-09-05

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://disneyworld.disney.go.com

Reward Details

Amount

Earning Rate

100 USD1X

Rewards

100 Points

Quick Rewards Guide for Wells Fargo Autograph Card

💡 Primary Spending Category: The community most frequently reports using the Wells Fargo Autograph Card for "Travel" transactions as well as for "Restaurants & Dining".

🚀 Top Earning Rate: Verified community purchases show this card earning up to 3X points on high-reward category transactions.

🛒 Verified Merchants: Swipe Smart users have successfully logged card data points at popular stores including Royal Caribbean, Holland America, Carnival Cruise Line, Norwegian Cruise Line. Checking merchant coding prior to shopping ensures you trigger top tier category multipliers.

Frequently Asked Questions

Q:What are the best categories to use the Autograph Card for?

Based on verified community transactions, the Wells Fargo Autograph Card yields the best return when used for "Travel" transactions, followed closely by "Restaurants, Dining".

Q:How do I ensure I get maximum points or cash back with this card?

Credit card rewards depend on the store’s Merchant Category Code (MCC). Always check Swipe Smart before purchase to verify how the retailer is registered (e.g. as groceries, dining, or travel) to ensure the transaction triggers the card’s multiplier categories.

Q:Does payment method (like Apple Pay or PayPal) affect the coding?

Yes. Paying through digital wallets like Apple Pay usually preserves the merchant's original category code. However, payment processors like PayPal or third-party delivery apps (e.g., Instacart, UberEats) may alter the merchant category code, sometimes overriding your card's standard multipliers.