How much is the Wells Fargo Autograph Card annual fee?

The Wells Fargo credit card fees include the standard array of basic charges and usage costs. Most Wells Fargo credit cards will spare you the annual fee. However, some cards will charge balance transfer fees of 3% intro for 120 days, then up to 5% (min $5), and 3% foreign transaction fees.

Wells Fargo also charges late payment and returned payment/check fees of up to $40. The issuer does not charge application/processing fees, over limit, or monthly fees. You can check Wells Fargo’s list of credit card fees on your statement and in the card’s terms and conditions.... read full answer

Here are the Wells Fargo credit card fees:

• Annual fee: Most Wells Fargo credit cards benefit from $0 annual fees.
• Balance Transfer: Most Wells Fargo credit cards have a balance transfer fee of 3% intro for 120 days, then up to 5% (min $5). Wells Fargo Business cards, on the other hand, have a 4% (min $10) balance transfer fee.
• Cash Advance: Either $10 or 5%. Applies to most Wells Fargo cards. The Wells Fargo Business cards, on the other hand, charge a 4% (min $10) cash advance fee.
• Foreign Transaction Fee: Either $0 or up to 3% of all transactions outside of the U.S. or through an internationally based merchant, depending on the card.
• Late Payment and Returned Payment/Check Fees: Up to $40 for most cards. The Wells Fargo Business Elite Signature Card, on the other hand, charges a late fee of up to $75. And the Wells Fargo Business Platinum Credit Card comes with a late fee of up to $50.

Fees are the cost of doing business when you have a Wells Fargo credit card. How much they’ll affect you depends on how you use the card. You can avoid balance transfer and cash advance fees simply by not making those transactions.

Use your Wells Fargo card responsibly, and you’ll not get hit with late payment or returned check fees. Also, make sure you take a look at the best Wells Fargo credit cards and pick one whose rewards suit your spending habits.

Unfortunately, the Wells Fargo Autograph Card does not offer extended warranty. The card does, however, offer an intro APR of 0% for 12 months from account opening, 19.74% - 29.74% Variable after that. So it can still be a good option if you plan on making a large purchase and paying it over time.

Consider the Citi Rewards+® Card, instead, if you’re looking for a credit card with extended warranty. This card will lengthen the original manufacturer’s warranty by up to 2 extra years for warranties of 7 years or less. The maximum coverage amount per item under the Citi Rewards+ Card extended warranty policy is $10,000.... read full answer

There are other options to consider, as well.

A credit card annual fee is the minimum cost of keeping the account open for a year. It helps the issuer afford any rewards or promotional financing the card may offer as well as general account services, such as billing and customer support. The average credit card annual fee is about ... read full answer$22, but many cards have no annual fee. A credit card’s annual fee typically is charged on the account anniversary or the month after it. It will show up on the credit card statement like a normal purchase.

An annual fee on a credit card isn’t necessarily a bad thing. Lots of credit cards with annual fees more than make up the extra cost with better rewards and supplemental perks such as travel insurance. Others, however, try to seem prestigious by charging a big fee without offering nearly enough in return. That’s why it’s important to do your research before applying.

Here’s what you should know about credit card annual fees:

• Annual fees typically range from $0 to $500.
• The annual fee gets added to your balance as a purchase, reducing your available credit (and possibly leading to interest charges) until you pay it off.
• As a special promotion, many credit cards waive their annual fee during the first year an account is open.
• If you ask your credit card company to lower or waive your annual fee, they may consider it. But don’t count on your request being approved.
• You should only get a credit card with an annual fee if it will save you more money overall than the best no annual fee card you can qualify for.
• Getting a starter credit card with no annual fee is a great idea if you are new to credit. Closing your oldest credit card account can hurt your credit score, and you probably don’t want to continue paying for a card that you eventually stop using as your credit improves.

All in all, annual fees may or may not be worth your while, depending on what your card gives you in return. But it’s best to avoid fees while building credit, if possible, since you’re unlikely to get benefits that are worth the cost until you're more established. Once you’re able to qualify for more lucrative rewards cards, you can weigh the fees against the benefits and decide which card is right for you.