Cash-back card
A score out of 100 for how well reviewed a product is. It rises with positive reviews and with how many there are; negative and mixed reviews take points off.
So a handful of glowing reviews can’t beat a product lots of people like. No sponsored placements.
Topics grouped from customer reviews, with how many mention each; read the originals below.
Showing 6 reviews mentioning reliable Show all
Reddit · r/CreditCards · Mar 13, 2026
PositiveSummary of a Reddit comment
They got the Autograph at launch and still use it heavily as a fallback card and for work travel; it has been the most trouble-free card abroad compared with their other cards that flag foreign charges.
Reddit · r/CreditCards · Sep 29, 2025
PositiveSummary of a Reddit comment
They were moved administratively from Active Cash to the Autograph, which cost them the flat 2% floor so they added a Citi Double Cash, but they are quite satisfied and use the Autograph often among several cards.
Reddit · r/CreditCards · Jul 10, 2026
PositiveSummary of a Reddit comment
They hold the Autograph and say it is the one card they would keep if they had to close all others, while noting Wells Fargo now does hard inquiries for credit line increase requests.
Reddit · r/CreditCards · Jan 17, 2026
PositiveSummary of a Reddit comment
They have used the card for many years and found it works as expected on streaming and gas, including grocery store gas stations where their Amex did not earn the bonus rate, and recommend people give it a shot.
Reddit · r/CreditCards · Mar 29, 2025
PositiveSummary of a Reddit comment
They have used the Autograph's cell phone protection twice without any hiccups, a practical perk of the no-annual-fee card, and say they love the card overall.
Reddit · r/CreditCards · Jun 8, 2025
PositiveSummary of a Reddit comment
They carry both the Wells Fargo Autograph and Active Cash and see nothing wrong with either, calling Wells Fargo cards strong from a cashback standpoint.
Of the 85 reviews with a clear verdict, 69% are positive, 19% mixed and 12% negative. The praise mentioned most is great rewards. The most common complaint is poor support.
The praise reviewers mention most: great rewards (38 reviews), low fees (16 reviews) and easy to use (10 reviews). For example: Rewards are set to redeem automatically as a statement credit once the balance reaches the redemption threshold.
The complaints reviewers mention most: poor support (4 reviews), hard to redeem (2 reviews) and account frozen (1 review). For example: They used the Wells Fargo Autograph for the 3% Airbnb rewards but month-long rentals did not qualify, and four support groups could not explain the merchant coding, so they plan to drop the card.
It's how well reviewed Wells Fargo Autograph is, out of 100. Negative and mixed reviews take points off, and so does having only a few reviews: a product needs plenty of them, compared with the most-reviewed products here, to reach the high 80s and 90s. It's worked out from reviews only, needs at least 5 of them, and updates as new ones come in.
Category: Cash-back card. Type: Rewards credit card. Fees: $0 annual fee. Rates & rewards: 3x points on restaurants, travel, gas and transit, streaming and phone plans.
#9 in Best-Reviewed Cash-Back Credit Cards 2026, ranked by real customer reviews.
85 are quotes from Reddit, each linked to the original. Customer reviews are checked for spam before they appear. Every review, written here or quoted, is read as positive, mixed or negative.