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Wells Fargo Autograph Journey℠ Card Review: Value-Packed Rewards and Perks for the Frequent Traveler

Published May 29, 2024
Natasha Etzel
By: Natasha Etzel
Natasha Etzel
Natasha Etzel
Writer

Natasha has been a freelance writer since 2015. She specializes in credit card and credit card rewards content. When not busy writing, she's either dreaming up her next credit card rewards redemption or traveling the globe. Her goal is to encourage more people to experience the world around them while making smart financial choices.

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Our Credit Cards Expert

Nathan Alderman
Check IconFact Checked Nathan Alderman
Nathan Alderman
Nathan Alderman
Fact checker

Nathan Alderman has worked with The Motley Fool since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As The Ascent's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.

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OFFER STATUS

Wells Fargo Autograph Journey℠ Card is unavailable on The Ascent. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.

Wells Fargo has added a second rewards credit card to its Autograph lineup: The Wells Fargo Autograph Journey℠ Card. It's a solid choice for frequent travelers who want to earn rewards when using their cards to make travel and dining purchases. It has an affordable $95 annual fee and earns unlimited rewards with no spending caps.

The biggest draw of this Wells Fargo credit card is the ability to transfer rewards to travel transfer partners. The list of transfer partners is limited, but Wells Fargo will add more partners later this year. Find out more about this travel rewards credit card in our detailed Wells Fargo Autograph Journey℠ Card review.

Ratings Methodology

Wells Fargo Autograph Journey℠ Card

Wells Fargo Autograph Journey℠ Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good (670-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

21.24%, 26.24%, or 29.99% (Variable)

Rewards Circle with letter I in it. 5X points on hotels. 4X points on airlines. 3X points on restaurants and other travel. 1X points on other purchases.

1X-5X points

Annual Fee

$95

Welcome Offer Circle with letter I in it. Earn 60,000 bonus points when you spend $4,000 in purchases within the first 3 months – that’s $600 toward your next trip

60,000 bonus points

  • This value-packed travel card earns unlimited 3X to 5X points on hotel, airline, travel, and restaurant purchases, plus 1X points on other purchases. It includes useful travel benefits, cellphone protection insurance, and an annual $50 airline credit. Its flexible redemption options (including transferring rewards to eligible travel partners) make this a stand-out card for frequent travelers.

    • Generous welcome bonus
    • Several bonus reward categories
    • Airline statement credit
    • Ability to transfer rewards to travel partners
    • Flexible redemption options
    • Travel protections
    • Cellphone protection insurance
    • No foreign transaction fees
    • Annual fee
    • Limited transfer partners
    • Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months - that’s $600 toward your next trip
    • $50 annual statement credit with $50 minimum airline purchase
    • 5X points on hotels
    • 4X points on airlines
    • 3X points on restaurants and other travel
    • 1X points on other purchases
Wells Fargo Autograph Journey is unavailable on The Ascent. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.

Full Wells Fargo Autograph Journey review

This credit card is a good fit for: Frequent travelers who want unlimited travel rewards and valuable travel benefits for an affordable $95 annual fee.

Top perks

Let's take a closer look at the top features of this Wells Fargo rewards credit card.

Generous welcome bonus

New cardholders who spend at least $4,000 within 3 months of account opening can earn 60,000 bonus points. While this is not the biggest welcome bonus on the market compared to other travel credit cards, it's generous.

Regardless of how you redeem your rewards, 60,000 bonus points are worth at least $600. However, transferring your points to a travel partner and booking a trip this way may give you more value from this welcome bonus. This bonus could make your next trip more affordable.

Earns unlimited rewards

Cardholders can earn unlimited rewards when making eligible purchases with this credit card. The Wells Fargo Autograph Journey℠ Visa® Card earns rewards in the following ways:

  • 5X points per $1 on hotels
  • 4X points per $1 on airlines
  • 3X points per $1 on restaurants and other travel
  • 1X points per $1 on other purchases

$50 annual airline statement credit

This travel card provides an annual statement credit to cardholders who make eligible airline purchases with their cards. Each year, you'll receive a one-time $50 statement credit to your account after making a qualifying airline purchase of at least $50. Purchases made at retailers whose merchant category code is airline and airline carriers qualify.

Ability to transfer rewards to transfer partners

Cardholders can transfer their rewards to select travel transfer partners. Currently, Wells Fargo has six airline and hotel partners. The credit card issuer plans to add more later. Here's an overview of the current transfer partners:

  • Aer Lingus AerClub
  • Air France/KLM Flying Blue
  • Avianca LifeMiles
  • British Airways Executive Club
  • Choice Privileges
  • Iberia Plus

Flexible redemption options

If you value flexibility when using your credit card rewards, consider the Wells Fargo Autograph Journey℠ Card. Cardholders can redeem their rewards for travel booked through the Wells Fargo travel portal or transfer rewards to eligible travel partners.

Cardholders can also redeem their rewards for gift cards, purchases at select merchants, cash rewards as a credit to their Wells Fargo bank account, credit card, or mortgage account or a statement credit as reimbursement for eligible purchases made with their cards.

Travel protections

Like many other top travel rewards credit cards, this card includes useful travel protections. Extra coverage like this could improve your travels.

Here are some benefits included with your card:

  • Worldwide automatic common carrier travel accident insurance
  • Trip cancellation and interruption protection
  • Supplemental auto rental collision damage waiver
  • Lost baggage reimbursement

Cellphone protection insurance

Cardholders who pay their cellphone service bill with their card are eligible for up to $1,000 in protection for eligible damage, theft, and unintended separation claims.

A $25 deductible applies to each claim, and up to two claims can be made during a 12-month period. This coverage is supplemental to other insurance coverage. This benefit could save you money if you need your cellphone repaired or replaced.

No foreign transaction fees

The Wells Fargo Autograph Journey℠ Card has no foreign transaction fees, so you can feel confident when using your card while traveling abroad.

Some credit cards charge foreign transaction fees when you use your card to make purchases in a foreign currency. These fees typically cost 3% and are charged for every foreign transaction, so avoiding these fees can help you save when you travel.

Read more: Best Wells Fargo Credit Cards

Alternatives to consider

  • If you want a travel rewards program with more transfer partners: The Chase Sapphire Preferred® Card is a popular travel credit card that provides travel and dining rewards. It has an affordable $95 annual fee and offers up to $50 annual hotel credit for hotels booked through the Chase Travel portal. Plus, you can transfer your rewards to Chase's many travel partners.
  • If you want access to earn travel rewards without an annual fee: The Wells Fargo Autograph℠ Card has no annual fee and earns 3X points per $1 in select spending categories, such as travel, restaurants, and gas and EV charging stations. You have flexibility when redeeming your rewards and can transfer them to Wells Fargo's travel partners.

READ MORE: Best Travel Credit Cards

As of Jun. 18, 2024
Image for
Image for
Chase Sapphire Preferred® Card Wells Fargo Autograph℠ Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Apply Now for Chase Sapphire Preferred® Card

On Chase's Secure Website.

Apply Now for Wells Fargo Autograph℠ Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Credit Rating Requirement: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Good/Excellent (670-850)

Credit Rating Requirement: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Good/Excellent (670-850)

Welcome Offer: Circle with letter I in it. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

60,000 bonus points

Welcome Offer: Circle with letter I in it. Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.

20,000 bonus points

Rewards Program: Circle with letter I in it. Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.

5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases

Rewards Program: Circle with letter I in it. Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases.

1X-3X points

Intro APR: Circle with letter I in it. N/A

Purchases: N/A

Balance Transfers: N/A

Intro APR: Circle with letter I in it. 0% intro APR on purchases for 12 months from account opening

Purchases: 0% intro APR, 12 months from account opening

Balance Transfers: N/A

Regular APR:

21.49%-28.49% Variable

Regular APR:

20.24%, 25.24%, or 29.99% Variable APR

Annual Fee: Circle with letter I in it. N/A

$95

Annual Fee: Circle with letter I in it. N/A

$0

Highlights:

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC

Highlights:

  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
  • Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
  • $0 annual fee.
  • 0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%, or 29.99% variable APR thereafter.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Apply Now for Chase Sapphire Preferred® Card

On Chase's Secure Website.

Apply Now for Wells Fargo Autograph℠ Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

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What could be improved

This Wells Fargo credit card has some drawbacks that are worth mentioning.

Annual fee

The Wells Fargo Autograph Journey℠ Card has a $95 annual fee, which is modest and on par with other travel rewards cards. However, this fee may be out of budget for some travelers. If you're looking for a credit card that earns travel rewards without this charge, review our list of the best travel credit cards with no annual fee.

Limited travel transfer partners

Wells Fargo Points Transfer is a new online rewards redemption option for all points-based Wells Fargo-branded credit cards, including the Wells Fargo Autograph Journey℠ Card. Since this is a new redemption option, the transfer partners are limited.

Wells Fargo plans to continue adding additional airline and hotel partners later this year. If you prefer a more extensive list of travel transfer partners, you'll want to look elsewhere for a credit card.

READ MORE: Best Credit Cards

Suggested credit score

This credit card is intended for consumers with good credit. Applicants will have better approval odds for the Wells Fargo Autograph Journey with a FICO® Score of 670 or higher. However, your credit score isn't the only factor considered during the application process. It's possible to be approved with a lower credit score or be denied with a higher credit score.

The Wells Fargo Autograph Journey is right for you if:

The Wells Fargo Autograph Journey is a worthy pick for people seeking an affordable travel credit card. This card is ideal for frequent travelers who want to earn travel rewards, value flexible redemption options, and can benefit from travel protections. If this card doesn't meet your needs, check out our credit card reviews list to explore alternate cards.

Our credit card methodology

At The Motley Fool Ascent, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how The Ascent rates credit cards.

FAQs

  • This credit card is intended for people with good credit. With a credit score of 670 or higher, you'll have better approval odds for the Wells Fargo Autograph Journey℠ Card. However, there is no approval guarantee, no matter your credit score. If you have a lower credit score, you may have better luck applying for a different credit card.

  • No, the Wells Fargo Autograph Journey℠ Card doesn't include premium travel credit card perks like airport lounge access. If you want to access airport lounges for free, consider an alternate travel rewards credit card like the Chase Sapphire Reserve®.

  • The minimum credit limit for the Wells Fargo Autograph Journey is $2,000. Factors like your credit history, credit score, and income may impact the credit limit extended to you.