What Is the Wells Fargo Autograph Credit Limit and How Can You Increase Yours?

Key West, USA  - January 9, 2015: Man using Wells Fargo ATM on Duval street, Key West.
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There are a variety of Wells Fargo credit cards available from the major financial institution, with the Autograph being the latest. Available as of mid-July, it offers 3x rewards in several popular spending categories.

If you’re considering a rewards card, you may be wondering what the credit limit is. There are many factors that determine a cardholder’s credit limit. Here’s more on what you can expect.

About the Wells Fargo Autograph Card

The latest Wells Fargo introduction can be considered a rewards card. It comes with an enticing bonus offer, no annual fee and some valuable perks for travelers. Here’s a breakdown:

Wells Fargo Autograph cardholders receive an introductory 0% APR on purchases for the first 12 months after approval, after which there is a . Plus, you could earn 30,000 bonus points worth $300 when you spend at least $1,500 in the first three months.

Besides the Welcome Offer, you can earn one point for every dollar on all purchases and triple points on travel, transit, restaurants, gas stations, streaming services and monthly phone plans. When it’s time to redeem, you’ll find more flexibility than average. Choose gift cards, apply your points to purchases and statement credits or book travel.

There are also a number of complimentary coverages included. Cell phone protection covers up to two incidents per 12 month period — with each approved claim having a benefit limit of $600 and subject to a $25 deductible. If your phone is damaged or stolen, you’ll be reimbursed for incidents related to loss of functionality.

Visa Signature® Concierge Services assists you with travel and entertainment bookings. The Auto Rental Collision Damage Waiver can save you money on car rental insurance. Lastly, Travel and Emergency Assistance Service provides referrals and help for a variety of travel-related issues such as lost luggage, medical help or legal referrals.

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Wells Fargo Autograph Credit Limit

There is no word yet on whether this card will have a higher spending limit than average. However, the credit limit is often more influenced by a person’s credit score. In general, if you have good to excellent credit, it’s likely you’ll have a higher limit than someone with a fair score.

One workaround to find out what your credit score could be — without applying and risking a hard inquiry on your credit — is the Wells Fargo credit card offers page. You can enter some personal details to find out what cards you’re approved for and what the credit limit could be. Using the pre-approval tool won’t affect your credit score.

The pre-approval tool only shows you offers — you’ll still need to apply if you like the offer.

Tips for a Higher Wells Fargo Autograph Credit Limit

Higher credit scores improve your odds of approval — and potentially higher credit limits. If you’re looking to maximize the credit available to you, there are a few ways to improve your odds.

Just remember it’s not an overnight process. Increasing your credit score and credit limit could take weeks to months. However, there are steps you can take to start seeing improvements.

Review Your Credit Report

Before you apply, check your score and review your credit report for any errors. If you find accounts that you don’t recognize or incorrectly-reported payment histories, you can dispute the error with the credit bureau.

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Pay Down Existing Balances

Consider paying down other existing credit card balances. When you do, your credit utilization ratio improves, potentially increasing your credit score because it shows creditors you are not spending close to your credit limit.

Make Payments on Time

Establish a positive track record with Wells Fargo by periodically using the card and making payments on time.

The Autograph card comes with a 12-month 0% APR introductory offer — followed by a — giving you time to pay off the balance interest-free in the first year. Use it to your advantage.

Request a Credit Limit Reallocation

If you have an existing credit card with Wells Fargo, the financial institution may split your overall credit limit between the existing cards. If you plan on using the Autograph more, you can request a change or reallocation of the limits on each card by contacting customer service.

For example, if your overall limit is $8,000, you could request to increase the limit on your Autograph card to $6,000 and reduce the other card’s limit to $2,000.

Request a Credit Limit Increase

Once you establish a history of on-time payments and responsible spending, you’ll likely start seeing improvement to your credit score. You can always contact Wells Fargo and ask for a credit limit increase.

Card issuers will typically ask for a reason, such as income change. You could point to your payment history and credit score improvement as a reason for the request.


Wells Fargo’s new Autograph Visa is a rewards card with enticing offers. If you’re approved and spend at least $1,500 in the first three months, you’ll earn 30,000 points worth $300. Plus, you’ll have a generous Introductory APR on all purchases and a host of other benefits and perks. 

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The Wells Fargo Autograph credit limit is hard to estimate due to the variety of factors that determine the amount. However, you could take steps to improve your credit score to ensure that you’ll receive the highest possible credit limit.

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