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Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.The Wells Fargo Autograph Journey℠ Card is a good choice if you’re looking for a travel credit card. It stacks up to many of the top travel credit cards in terms of rewards and benefits for a modest $95 annual fee. You’ll get elevated points on hotel, airline, restaurant and other travel purchases. Plus, there’s a $50 annual statement credit when you make your first airline purchase of $50 or more.
You can also transfer points to four airline and one hotel loyalty programs. This is a small list, but Wells Fargo suggests that additional partners will be added later this year. The additional partners would put this card in the same league as some of the best travel cards like the Chase Sapphire Preferred® Card and Capital One Venture Rewards Credit Card.
Although you won’t get an intro APR on purchases or balance transfers with this card, you can’t go wrong by choosing it as a travel credit card for your wallet.
→ Looking for better travel benefits? See our list of best travel credit cards
Generous sign-up bonus
The Wells Fargo Autograph Journey℠ Card offers a valuable sign-up bonus. Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip. This is a great way to start earning points towards travel quickly.
This is similar to sign-up bonuses on top travel cards like the Chase Sapphire Preferred® Card and Capital One Venture Rewards Credit Card. You’ll need to spend about $1,333 each month to get the sign-up bonus.
Annual statement credit
The Wells Fargo Autograph Journey℠ Card offers an annual $50 annual statement credit that automatically applies to your first airline purchase of $50 or more. The credit covers a wide variety of airline purchases, since it applies to any purchase that falls under airline and airline carriers. That includes airline tickets (though it doesn’t include charter flights and private jets).
This is similar to what you’ll see with the Chase Sapphire Preferred® Card, which offers up to $50 in statement credits each account anniversary year when you book hotel stays through Chase Travel.
But, if you’re not looking for airline savings you might consider the Capital One Venture Rewards Credit Card, which offers up to a $100 statement credit to cover your Global Entry application or $85 to cover your TSA PreCheck® application every four years.
High rewards rate on restaurant and travel purchases
The Wells Fargo Autograph Journey℠ Card is a great choice if you’re a frequent traveler because you’ll get accelerated rewards focused on travel purchases:
You’ll get rewards on travel purchases booked through the platform of your choice. These are much broader categories for travel than what you’ll see with most travel cards. For example, the Chase Sapphire Preferred® Card requires you to book through Chase Travel℠ to get 5X back on travel purchases and the Capital One Venture Rewards Credit Card requires you to book through Capital One Travel to get 5X miles on hotels, vacation rentals and rental cars.
Points are easy to redeem
Wells Fargo Autograph Journey℠ Card rewards are extremely flexible and there are plenty of redemption options to choose from. You can redeem points as statement credits for any qualifying travel purchase with no restrictions or blackout dates. Plus, points can be redeemed for cash back at around 1 cent per point.
Here are all of the ways you can redeem rewards:
Transfer points to loyalty partners
In April 2024, Wells Fargo introduced Points Transfer. This allows you to transfer points earned with your Wells Fargo Autograph Journey℠ Card as miles, points or credits to participating partner loyalty programs. So far, this includes a few partners, but more are expected to be added. Current partners are:
Transferring points to a travel partner can typically earn you the highest redemption rate. For example, with the Chase Sapphire Preferred® Card, Chase Ultimate Rewards® points are worth around 1.25 cents each when redeemed through the Chase Travel portal, but are worth around 2 cents per point when transferred strategically to a Chase travel partner.
Chase Ultimate Rewards® currently offers a much longer list of travel transfer partners at about 11 airline partners and three hotel partners, including two major U.S. airlines. If Wells Fargo substantially expands their travel transfer partner list, the Wells Fargo Autograph Journey℠ Card could join the Chase Sapphire Preferred® Card as one of the top travel rewards cards.
Solid list of travel benefits
The Wells Fargo Autograph Journey℠ Card offers a few additional travel benefits you won’t get with the no-annual-fee Wells Fargo Autograph℠ Card including travel accident insurance, lost luggage reimbursement and trip cancellation and interruption protection. These benefits are in-line with what you’ll get with top travel cards like the Chase Sapphire Preferred® Card, but this card offers high cellphone protection which many other cards don’t offer.
No intro APR on purchases or balance transfers
The Wells Fargo Autograph Journey℠ Card isn’t the best choice for financing a large purchase or transferring a balance. There’s no intro APR period on purchases or balance transfers meaning you’ll start paying interest right away on unpaid balances.
If you’re looking for an intro APR on purchases, the Wells Fargo Autograph℠ Card is a better choice because it offers a 0% intro APR for 12 months from account opening on purchases. Then, a 20.24%, 25.24%, or 29.99% Variable APR applies. Or, there are cards with even longer intro APRs on purchases and balance transfers.
Credit Cards | Our Ratings | Welcome Offer | Rewards Rate | Regular APR | |
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Wells Fargo Autograph Journey℠ Card*
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Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip. | Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases. | 21.24%, 26.24%, or 29.99% Variable APR | ||
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Wells Fargo Autograph℠ Card*
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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 restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases | 20.24%, 25.24%, or 29.99% Variable APR | ||
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Chase Sapphire Preferred® Card
on Chase's secure site |
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. | 21.49%-28.49% Variable |
on Chase's secure site |
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Capital One Venture Rewards Credit Card
on Capital One's secure site Rates & Fees |
75,000 Miles once you spend $4,000 on purchases within the first 3 months of account opening, plus receive a one-time $250 Capital One Travel credit in your first cardholder year – that’s equal to $1,000 in travel | 2 Miles per dollar on every purchase, every day; 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel | 19.99% - 29.99% (Variable) |
on Capital One's secure site Rates & Fees |
Since there’s a $0 annual fee you won’t get the higher sign-up bonus, annual statement credit and additional travel benefits you’ll get with the Wells Fargo Autograph Journey℠ Card. But you’ll get an intro APR on purchases, which could help you finance an upcoming trip.
The Chase Sapphire Preferred® Card earns Chase Ultimate Rewards®, which are one of the most popular rewards programs for frequent travelers. Chase Sapphire Preferred® Card points are much more valuable because you can transfer them to 14+ airline and hotel partners. Rewards are also worth 25% more when you redeem them through the Chase Travel portal.
Although the Wells Fargo Autograph Journey℠ Card is a newer travel card, it’s comparable to some of the top travel credit cards with low annual fees. It has excellent travel protections and a high sign-up bonus. Plus, it has plenty of redemption options to choose from.
Although it only offers a few travel transfer partners, there are more to come that will increase the value of the card.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
The information related to the Wells Fargo Autograph Journey℠ Card and Wells Fargo Autograph℠ Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.