BEST CREDIT CARDSBEST CREDIT CARDSWELLS FARGO AUTOGRAPH JOURNEY℠ REVIEW: HIGHLY REWARDING FOR TRAVELERS

Wells Fargo Autograph Journey℠ Review: Highly Rewarding for Travelers

It features some of the highest reward rates on travel expenses, plus flexible redemption and an annual credit that can defray its fee. You get transfer partners, too — although the list is short.
Craig Joseph Author Avatar
May 1, 2024 1:13 p.m. PDT
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The Bottom Line

4.5

NerdWallet rating

This card was built with frequent travelers in mind, and while it's missing a few perks offered by other cards at its price point, it still packs plenty of value and flexibility.

Wells Fargo Autograph Journey℠ Card
Annual Fee
$95
Rewards Rate
1x-5x
Points
Intro Offer
60,000
Points
Recommended credit score
Intro APR
N/A
Regular APR
20.74%, 25.74%, or 29.74% Variable APR
Recommended credit score
Annual Fee
$95
Rewards Rate
1x-5x
Points
Intro Offer
60,000
Points
Recommended credit score
Intro APR
N/A
Regular APR
20.74%, 25.74%, or 29.74% Variable APR
Recommended credit score

  • Annual fee

    $95

  • Rewards rate

    1x-5x

  • Bonus 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.

  • Intro APR

    N/A

  • Ongoing APR

    APR: 20.74%, 25.74%, or 29.74% Variable APR

    Cash Advance APR: Refer to Important Credit Terms

  • Balance transfer fee

    3% for 120 days from account opening, then up to 5%, min: $5

  • Foreign transaction fee

    None

View Rates and Fees
  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • 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.
  • $95 annual fee.
  • Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
  • Earn a $50 annual statement credit with $50 minimum airline purchase.
  • Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.

Pros and Cons

Pros

Bonus categories

Annual airfare credit

No reward caps

Cell phone protection

New cardholder bonus offer

Cons

Has annual fee

No free checked bags

No free anniversary night

No luxury perks

Requires good/excellent credit

Detailed Review

For frequent globe-trotters, the $95-annual-fee Wells Fargo Autograph Journey℠ Card can help take some of the sting out of travel costs.

Cardholders will earn a generous 5 points per $1 spent on hotel stays; 4 points per $1 on airfare; 3 points per $1 on other travel and dining; and 1 point per $1 on other qualifying purchases. Those reward rates on travel in particular are best-in-class among comparable travel credit cards — and unlike many of the card's competitors, you don’t need to book travel through a dedicated portal to earn those high rates on flights and hotels. Plus, you'll have plenty of options when it's time to redeem those points, including the ability to transfer them to various travel partners, which can supercharge the card's value.

The Wells Fargo Autograph Journey℠ Card does lack a couple of perks you might expect to find on a travel card at this price point, and its list of travel partners is comparatively small and narrow. (There's just one domestic partner, for example.) But it still packs a lot of value into one package.

Wells Fargo Autograph Journey℠ Card: The basics

Card type: Travel.

Annual fee: $95.

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.

Rewards:

  • 5 points per $1 on hotels booked directly with the hotel.

  • 4 points per $1 on airfare booked directly with the airline.

  • 3 points per $1 on other travel and dining purchases.

  • 1 point per $1 on all other qualifying purchases.

Wells Fargo Rewards points are worth 1 cent each when redeemed for a statement credit, gift cards or travel through the Wells Fargo travel portal. You can also transfer points to various travel partners, which can often lead to even better value for those points. More on that below.

APR: The ongoing APR is 20.74%, 25.74%, or 29.74% Variable APR.

Foreign transaction fee: None.

Other benefits:

  • Access to multiple transfer partners: See the full list below.

  • $50 annual airfare credit: MInimum $50 purchase required. Available at the start of each calendar year. Terms apply, more on this below.

  • Cell phone protection: Up to $1,000 in coverage, with a $25 deductible, if you pay your cell phone bill with the card.

  • Trip cancellation/interruption protection: Up to $15,000 reimbursement for a covered reason when you pay for travel with the Wells Fargo Autograph Journey℠ Card.

  • Autograph Card Exclusives: Get access to special concert/entertainment events.

The Wells Fargo Autograph Journey℠ Card vs. the Wells Fargo Autograph℠ Card

The Wells Fargo Autograph Journey℠ Card has a $0-annual-fee sibling, the Wells Fargo Autograph℠ Card. The cards have different reward structures, but some of the same benefits.

Empty Table Header

Wells Fargo Autograph℠ Card

Wells Fargo Autograph Journey℠ Card

Annual fee

$0

$95

Sign-up bonus

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

Rewards

  • 3 points per $1 on restaurants.

  • 3 points per $1 on travel and transit.

  • 3 points per $1 on gas stations and electric vehicle charging stations.

  • 3 points per $1 on popular streaming services.

  • 3 points per $1 on select phone plans.

  • 1 point per $1 on other eligible purchases.

  • 5 points per $1 on hotels.

  • 4 points per $1 on airlines.

  • 3 points per $1 on other travel and dining.

  • 1 point per $1 on other eligible purchases.

Travel credits

None.

$50 airfare statement credit each year (with $50 minimum airline purchase).

Travel transfer partners

Yes.

Yes.

APR

0% intro APR on Purchases for 12 months from account opening, and then the ongoing APR of 19.74%, 24.74%, or 29.74% Variable APR.

The ongoing APR is 20.74%, 25.74%, or 29.74% Variable APR.

Foreign transaction fee

None.

None.

Compare to Other Cards

ANNUAL FEE
$95
INTRO APR
N/A
REGULAR APR
20.74%, 25.74%, or 29.74% Variable APR
RECOMMENDED CREDIT SCORE
ANNUAL FEE
$95
INTRO APR
N/A
REGULAR APR
21.49%-28.49% Variable APR
RECOMMENDED CREDIT SCORE
ANNUAL FEE
$0
INTRO APR
0% intro APR for 15 months on purchases and balance transfers
REGULAR APR
17.74%-27.74% Variable APR
RECOMMENDED CREDIT SCORE
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Benefits and Perks

Excellent reward rates on travel, dining

The everyday bonus categories on the Wells Fargo Autograph Journey℠ Card are designed for frequent travelers. You'll rack up Wells Fargo Rewards fast by earning 5 points per $1 spent on hotels; 4 points per $1 on airfare; or 3 points per $1 on dining and other travel, like cruises or bookings through online travel agencies.

Those best-in-class earning rates on travel put the card ahead of stalwarts like the Chase Sapphire Preferred® Card and the Capital One Venture Rewards Credit Card, which require you to book travel directly through the issuer’s travel portal to earn the highest rewards rate. That gives you fewer options to shop for the best price, whereas the Wells Fargo Autograph Journey℠ Card allows you to book directly with the hotel, airline or through a third-party travel agency.

Plentiful redemption options

You’ll have plenty of options for putting your rewards to work with the Wells Fargo Autograph Journey℠ Card. As noted above, points are generally worth a penny apiece if you use them for statement credit, gift cards or booking travel through Wells Fargo's portal.

But to squeeze even more value from those points, cardholders will want to consider using the card’s travel transfer partners:

Airlines

Hotels

While that partner list isn't as broad as other cards that earn transferrable point currencies — such as Chase Ultimate Rewards® or American Express Membership Rewards — it should still be possible to find good deals if you're willing to put in the research.

🤓Nerdy Tip

Points can be combined among Wells Fargo primary-cardholder accounts. For example, if you hold the Wells Fargo Active Cash® Card, cash-back rewards earned on that card can also be combined with rewards from the Wells Fargo Autograph℠ Card and the Wells Fargo Autograph Journey℠ Card. However, if you hold only the Wells Fargo Active Cash® Card, you cannot transfer rewards to travel partners.

Annual airfare credit

Cardholders will receive an annual $50 statement credit when they make a minimum $50 purchase with an airline, and that credit resets at the start of each calendar year. The credit can be used on tickets booked directly with the airline and through the Wells Fargo travel portal. It can also be used on tickets purchased through third-party travel agencies, but there’s no guarantee those purchases will "code" as airfare to trigger the credit.

The freedom to use the credit on bookings outside the issuer’s travel portal adds a lot of flexibility and value to this benefit. If you were going to book a flight anyway, you could view the credit as a way to effectively decrease the annual fee. Just be aware of the $50 minimum required purchase to trigger the credit — you can't "split" the credit among smaller purchases.

Drawbacks and Considerations

No TSA PreCheck or Global Entry credit

Some travel credit cards with a $95 annual fee offer a credit to cover the cost of TSA PreCheck or Global Entry. Unfortunately, the Wells Fargo Autograph Journey℠ Card is not one of those cards.

If being able to fast-track through airport security is an important feature for you, you’d be better suited with a card like the Capital One Venture Rewards Credit Card or the Bank of America® Premium Rewards® credit card.

Short list of transfer partners

As of this writing, the Wells Fargo Autograph Journey℠ Card was offering just six transfer partners: five airlines and one hotel chain. None of the airlines is a domestic carrier, and if you're not familiar with, say, Aer Lingus, you'll likely have to put in some research to find deals and redemption sweet spots. Other travel credit cards at this price point offer more (and more well-known) transfer partners. The aforementioned Capital One Venture Rewards Credit Card, for example, has more than 15 transfer partners — including some of the same airlines as the Wells Fargo Autograph Journey℠, but also featuring three U.S. hotel chains. The venerable Chase Sapphire Preferred® Card, too, features more than a dozen partners, including major U.S. companies like United, Southwest, JetBlue, Marriott and more.

🤓Nerdy Tip

Wells Fargo says it plans to add new transfer partners throughout the year.

No primary auto insurance

Unlike other travel-centric cards that offer primary rental car insurance — which applies before your individual auto insurance policy in the case of an accident or theft — the Wells Fargo Autograph Journey℠ Card offers secondary coverage. That means the coverage on your card kicks in only after your personal coverage pays. This can still be a valuable benefit, but because you have to submit a claim first through your primary insurance carrier, you’ll potentially be on the hook for increased premiums.

How To Decide If It's Right For You

The Wells Fargo Autograph Journey℠ Card is a solid value for frequent travelers who can take advantage of the rich rewards in categories like hotels, airfare, general travel and dining. Additionally, the $50 annual airfare credit is flexible and can help put a dent in that annual fee. However, the card faces stiff competition at its price point, and if you travel only intermittently, it's worth doing some comparison shopping.

Alternate Pick: More (and more familiar) transfer partners
Annual hotel credit

This card also offers generous rewards on travel purchases — although you must book through Chase's travel portal to earn the highest rate. You'll also get access to multiple transfer partners, including major domestic ones like United, Marriott, Hyatt and more.


Methodology

NerdWallet reviews credit cards with an eye toward both the quantitative and qualitative features of a card. Quantitative features are those that boil down to dollars and cents, such as fees, interest rates, rewards (including earning rates and redemption values) and the cash value of benefits and perks. Qualitative factors are those that affect how easy or difficult it is for a typical cardholder to get good value from the card. They include such things as the ease of application, simplicity of the rewards structure, the likelihood of using certain features, and whether a card is well-suited to everyday use or is best reserved for specific purchases. Our star ratings serve as a general gauge of how each card compares with others in its class, but star ratings are intended to be just one consideration when a consumer is choosing a credit card. Learn how NerdWallet rates credit cards.

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