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Wells Fargo Autograph Journey℠ Card Review 2024: Your New Travel Card?

The Wells Fargo Autograph Journey has one of the highest and most appealing travel rewards rates available.

Updated May 21, 2024
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Wells Fargo Autograph Journey℠ Card

Wells Fargo Autograph Journey℠ Card
5.0

OUR VIEW

The Wells Fargo Autograph Journey℠ Card(Rates and fees) marks Wells Fargo's debut as a significant player in the travel credit card space. While frequent travelers may have (rightly) overlooked Wells Fargo in the past, the launch of the Autograph Journey in March 2024 has changed that.

Transferable rewards — the ability to transfer points to airline and hotel partners — and a higher than average rewards rate on travel are the key features that make the Autograph Journey worth taking a closer look. But, how does it compare to the Chase Sapphire Preferred® Card  which is generally accepted as the top travel card at this annual fee?

Pros

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
Earn a $50 annual statement credit with $50 minimum airline purchase
No foreign transaction fees

Cons

No airport lounge access
Limited transfer partners
How we evaluate products

Key takeaways

  • We think the Wells Fargo Autograph Journey is one of the best travel credit cards for its price range ($95 annual fee). It has a uniquely high rewards rate you won’t find with many other cards, and it has competitive travel and protection benefits.
  • The cell phone protection on this card is better than average. You can receive up to $1,000 per claim (minus a $25 deductible), up to two claims, and a maximum of $2,000 per 12-month period.
  • The main Wells Fargo Autograph Journey drawback is that we wish it had access to more transfer partners. We expect Wells Fargo to improve on this if it wants its cards to compete in this space.

Who should get the Wells Fargo Autograph Journey?

The Wells Fargo Autograph Journey is a good choice for frequent travelers and even infrequent travelers. It's easy to get value from this card with its low $95 annual fee that effectively drops by $50 if you use the $50 annual airfare statement credit each year.

But, how does it stack up against the Chase Sapphire Preferred which offers some of the best travel benefits and rewards for the same annual fee? The Sapphire Preferred offers more options and value for points redemption, but the Autograph Journey has stronger earning potential.

On the redemption side, the Chase card offers 14 transfer partners while Wells Fargo only offers six. Since transferring your points to airlines and hotels is how you'll get the best redemption rates, this is a significant difference. It's likely we'll see Wells Fargo add more partners over time and close this gap.

But, when it comes to earning points, the Autograph Journey allows you to earn 5X points on hotels and 4X points on airlines while the Sapphire Preferred only lets you earn the top rate on travel booked through Chase Travel, limiting your earning potential and flexibility.

Both are really solid choices. If you're already in the Chase or Wells Fargo ecosystem, it's a good bet to get the matching card so you can benefit from the simplicity of having everything in one app and the ability to transfer points between cards. If not, the Chase Sapphire Preferred has slightly better benefits. But, there's no need to limit yourself to just one card — both deserve a spot in your wallet.

Credit card basics

Card type Travel
Credit card issuer Wells Fargo
Credit card network Visa
Annual fee $95
Welcome offer Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip
Reward rate Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases
Recommended credit score Excellent, Good
Foreign transaction fee None

Why we like the Wells Fargo Autograph Journey credit card: benefits and perks

  • Welcome offer: Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
  • High rewards rate: Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases. This is a high earning rate that most other travel cards can’t match.
  • Annual airfare statement credit: Earn a $50 annual statement credit with a $50 minimum airline purchase.
  • No foreign transaction fees: Avoid paying foreign transaction fees while traveling abroad or making purchases from foreign merchants.
  • Travel protection benefits: Take advantage of travel protection benefits, including trip cancellation insurance.
  • Cell phone protection: You can receive reimbursement for damaged, stolen, or unrecoverable cell phones. Receive up to $1,000 per claim (minus a $25 deductible) for up to two claims and a maximum of $2,000 per 12-month period.
  • Autograph card exclusives: Receive access to exclusive live entertainment events as an Autograph Journey cardholder.
  • Points transfer: With certain Wells Fargo credit cards, including the Wells Fargo Autograph℠ Card and Wells Fargo Autograph Journey, you can transfer your points to travel partner loyalty programs. Some available partners include Choice Privileges, Air France-KLM Flying Blue, and British Airways Executive Club.
  • Credit limit: The Wells Fargo Autograph Journey has a minimum credit limit of $2,000.

What we don’t like about this card: drawbacks

  • Annual fee: There’s a $95 annual fee. If you compare credit cards, there are plenty of cards with no annual fee. But as travel cards go, the Autograph Journey’s annual fee is reasonable.
  • Limited transfer partners: The Autograph Journey starts out with (essentially) four transfer partners because British Airways Executive Club, AerClub, and Iberia Plus all share Avios rewards. Some of the best rewards credit cards have 10 or more transfer partners.

Earning and redeeming Wells Fargo Autograph Journey rewards

Potential earnings in years one and two

Here's a look at how your rewards can add up with the Wells Fargo Autograph Journey credit card. To calculate these values, we used a point valuation of 0.01.

Remember, this is an estimation. The actual value will be determined by how much you spend and in which categories you spend.

Year one earnings: $1,250

Year two earnings: $650

These values are based on the FinanceBuzz Credit Card Rewards Valuation Model which takes a look at points earned via spending, the welcome bonus, and the annual fee.

Best ways to earn

Category Rewards rate
Hotels 5X
Airlines 4X
Other travel and restaurants 3X
Other purchases 1X

The best way to earn rewards with the Wells Fargo Autograph Journey is by using it as much as possible on travel-related purchases. For example, you can earn 5X points on hotels and 4X points on airlines, which is above what most travel cards offer for hotel stays and flights.

For everyday earning, take advantage of the 3X points on other travel and restaurants. If you tend to eat out a lot, you could quickly rack up travel rewards

Maximizing your redemptions

Transferring your points to an airline or hotel partner can get you the most value from your points. With a smart redemption, you could earn significantly more per point than the $0.01 valuation you'll get with most other redemption methods.

Wells Fargo has five airline partners that transfer at a 1:1 ratio (Aer Lingus AerClub, Air France-KLM Flying Blue, Avianca LifeMiles, British Airways Executive Club, and Iberia Plus), plus one hotel partner, Choice Privileges, that transfers at a 1:2 ratio.

Other redemption options include:

  • Paper check
  • Deposit into an eligible Wells Fargo checking or savings account
  • Statement credit
  • Wells Fargo ATM withdrawal (if you also have a Wells Fargo debit or ATM card)
  • Travel, including flights, car rentals, and hotel stays
  • Eligible PayPal purchases
  • Gift cards
  • Charitable donations

Other cards to consider

If the Wells Fargo Autograph Journey doesn’t seem like the right fit for you, consider the Chase Sapphire Preferred® Card and Capital One Venture Rewards Credit Card.

Card Welcome offer Rewards rate Annual fee
Chase Sapphire Preferred® Card Chase Sapphire Preferred® Card
4.9
Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening 5X points on travel purchased through Chase Travel℠; 3X points on dining, select streaming services, and online groceries; 2X points on all other travel purchases, and 1X points on all other purchases $95
Capital One Venture Rewards Credit Card Capital One Venture Rewards Credit Card
4.7
Earn a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening 2 miles per dollar on every purchase, every day, 5 miles per dollar on hotels and rental cars booked through Capital One Travel and 5 miles per dollar on Capital One Entertainment purchases through 12/31/25 $95

The Chase Sapphire Preferred has the same $95 annual fee but provides access to more transfer partners. You can also take advantage of combining points between multiple Chase cards to maximize your earning potential.

Learn more in our Chase Sapphire Preferred review.

The Capital One Venture Rewards has a $95 annual fee and makes earning travel rewards easy with its simple rewards rate. If you want to avoid worrying about different earning categories, you can largely do so by earning at least 2 miles per dollar on every purchase, every day.

Learn more in our Capital One Venture Rewards review.

Top-Notch Rewards Rates + Travel Perks

5.0

Wells Fargo Autograph Journey℠ Card

Why We Like It

Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip

See how these cards compare:

Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
  • Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
  • 5X points on travel purchased through Chase Travel℠
  • 25% more value when redeeming rewards for travel through Chase Travel℠
  • 10% anniversary point bonus each year
  • $50 annual credit on hotel stays booked through Chase Travel℠
  • Premium travel protection benefits
Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card
  • Earn a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening
  • 2 miles per dollar on every purchase, every day
  • Up to $100 Global Entry or TSA PreCheck® credit
  • No foreign transaction fees
  • 19.99% - 29.99% (variable) purchase APR
  • Rates and fees

FAQ

Is the Wells Fargo Autograph Journey Card worth it?

The Wells Fargo Autograph Journey Card is worth it if you want a high-earning travel rewards card with flexible points. We like how the $50 annual airfare statement credit can immediately offset the $95 annual fee. The Autograph Journey also provides enhanced cell phone protection and other travel protection benefits.

What credit score do you need for the Wells Fargo Autograph Journey Card?

You typically need a good or excellent credit score to qualify for the Wells Fargo Autograph Journey. That’s at least a 670 FICO score.

Bottom line

We like the Wells Fargo Autograph Journey. It’s an excellent travel card with high earning potential and a low $95 annual fee. We think this card could make sense as the go-to travel card for plenty of people, especially if you already bank with Wells Fargo.

With its cell phone protection, $50 annual airfare credit, and other protection benefits, the Autograph Journey makes a real statement as a balanced and competitive card suited for all types of travelers.

If you prefer different types of perks or benefits, such as airport lounge access, check out our list of the best travel credit cards.

Top-Notch Rewards Rates + Travel Perks

5.0

Wells Fargo Autograph Journey℠ Card

Current Offer

Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip

Annual Fee

$95

Rewards Rate

Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases

Benefits and Drawbacks
Card Details

Author Details

Ben Walker, CEPF, CFEI®

Ben Walker, CEPF, CFEI®, is credit cards specialist. For over a decade, he's leveraged credit card points and miles to travel the world. His expertise extends to other areas of personal finance — including loans, insurance, investing, and real estate — and you can find his insights on The Washington Post, Debt.com, Yahoo! Finance, and Fox Business.