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Rewards only pay if you pay in full. We compare what a card earns and gives, not its interest rates: carrying a balance costs more than any card earns. Rates and fees like APR, balance transfer and cash advance vary by applicant, so check the issuer's rates and fees before you apply. Why we never carry a balance

Wells Fargo Autograph Journey Card card art
Autograph Journey 1 of 1
Comparing 1 card
Wells Fargo Autograph Journey Card card art
Wells Fargo
Autograph Journey
Apply Details
Cost and value $95 fee
Annual fee
$95
Credits you can use a year, if you use every one
None
Fee after credits
$95 a year net cost
Point value per point or mile
1.75¢ Estimate
Rewards currency
Points
Foreign transaction fee
None
Rates and fees
On the issuer's site APR, balance transfer and cash advance vary by applicant
Sign-up bonus 60,000 points, about $1,050
Bonus
60,000 points
Estimated value
$1,050
Spend to earn it less a month is easier
$4,000 in 90 days about $1,333 a month
Earning rates Top rate 5x
Return is points per dollar times that card’s point value, so 3x and 4x on different currencies compare fairly.
Dining
3x about 5.2% back
Flights
4x about 7.0% back
Hotels
5x about 8.8% back
Travel (ground only)
3x about 5.2% back
Transit / Rideshare
3x about 5.2% back
Everything else
1x about 1.8% back
Statement credits No credits
Travel booking
  • $50 per use after $50 spend
    What counts

    $50 annual statement credit with $50 minimum airline purchase each cardmember year.

Monthly credits to track fewer is less work
0
Transfer partners No transfers
Partners
None
Alliance reach
None
Status, lounges and travel No status or lounges
Travel benefits
  • Premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties.
  • Complimentary 24/7 Visa Signature Concierge to find tickets to top sports and entertainment events, book travel, make dinner reservations and more.
  • Emergency assistance while traveling anywhere in the world for covered Wells Fargo cardholders.
Protection and insurance 5 coverages
Rows line up by coverage type. "Not listed" means the terms we track do not mention it, not that the card lacks it.
Baggage
  • Receive up to $3,000 in luggage reimbursement per trip if bags are lost due to theft or misdirection by a common carrier while traveling.
Rental car
  • Pay for rental cars using an eligible card and get reimbursed for covered damage or theft.
Cell phone
  • Up to $1,000 of cell phone protection against damage, theft, or unintended separation, subject to a $25 deductible.
Roadside assistance
  • Emergency roadside assistance and towing available 24/7 with no membership required for eligible Wells Fargo cardholders.
Other coverage
  • Use an eligible card to pay for your trip and get reimbursed up to $15,000 for lodging, flights, and activities if the trip is canceled for a covered reason.
  • Travel Accident Insurance protection of up to $1,000,000 when you purchase your airline or other common carrier ticket with your eligible credit card.
Lifestyle and other perks 2 perks
Lifestyle and entertainment
  • Access to tickets to live events featuring fan-favorite artists with your Wells Fargo Autograph-branded Credit Card.
  • Access to personalized deals from a variety of merchants, earn cash back as an account credit when you shop, dine, or enjoy an experience using an eligible Wells Fargo credit card.
Authorized users Free
Cost
Authorized users are free.
Each one gets
  • Auto rental collision damage waiver
  • Cellular telephone protection
  • Lost baggage reimbursement
  • Trip cancellation and interruption protection
  • Worldwide automatic common carrier travel accident insurance
Application rules No known rules
Issuer approval rules
Not listed
Bonus eligibility
Not listed
Card type
Personal