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

Review Updated
Natasha Etzel
Author: Natasha Etzel
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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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Brittney Myers
Reviewer: Brittney Myers
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Brittney started her writing career in the world of science, putting her physics degree to good use. Her journey into finance started with building her personal credit, but soon grew into a borderline obsession with credit cards and travel rewards. For the last 7 years, she has enjoyed the ability to share her expertise with readers, as well as the opportunity to interview companies and individuals making an impact on our financial lives. She wholly believe most problems can be solved with the right research -- and a good spreadsheet -- and she specializes in translating complex financial topics into actionable advice to help educate and empower readers.

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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

Apply Now for Wells Fargo Autograph Journey℠ Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

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
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= 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)
Apply Now for Wells Fargo Autograph Journey℠ Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

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

20.24%, 25.24%, or 29.24% Variable APR

Rewards Circle with letter I in it. Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 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 in 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 (with minimum purchase). 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 (w/ minimum purchase)
    • Ability to transfer rewards to travel partners
    • Flexible redemption options
    • Travel protections
    • Cellphone protection insurance
    • No foreign transaction fees
    • Annual fee
    • Limited transfer partners
    • 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.

Credit card comparison

We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.

Offer Our Rating Welcome Offer Rewards Program APR Learn More
Rating image, 5.00 out of 5 stars.
5.00/5 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
Best for cash back on rotating categories 		Discover will match all the cash back you’ve earned at the end of your first year. 1% - 5% Cashback Circle with letter I in it. Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.

Intro:

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular: 18.49% - 27.49% Variable APR *Rates as of December 12, 2024.

Apply Now for Discover it® Cash Back

On Discover's Secure Website.

Rates & Fees External Link Icon

Rating image, 5.00 out of 5 stars.
5.00/5 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
Best for cash rewards on everyday spending 		$200 cash rewards Circle with letter I in it. Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. 2% cash rewards Circle with letter I in it. Earn unlimited 2% cash rewards on purchases.

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

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

Balance Transfers: 0% intro APR, 12 months from account opening on qualifying balance transfers

Regular: 19.24%, 24.24%, or 29.24% Variable APR

Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Rating image, 4.00 out of 5 stars.
4.00/5 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
Best for unlimited rewards on purchases 		25,000 points Circle with letter I in it. 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases 1.5 points per dollar Circle with letter I in it. Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open.

Intro: Circle with letter I in it. 0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.49% - 28.49% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers.

Purchases: 0% Intro APR for 15 billing cycles for purchases

Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days

Regular: 18.49% - 28.49% (Variable)

Apply Now for Bank of America® Travel Rewards credit card

On Bank of America's Secure Website.

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℠ 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 one $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. Wells Fargo's current transfer roster is somewhat limited, but the issuer plans to add more partners over time.

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
  • Virgin Atlantic Flying Club/Virgin Red

Flexible redemption options

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

However, you can also redeem rewards for:

  • Gift cards
  • Purchases at select merchants
  • Cash rewards credited to your Wells Fargo bank, credit card, or mortgage account
  • As a statement credit for eligible card purchases

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

As with most Wells Fargo credit cards, the Wells Fargo Autograph Journey℠ Card includes cellphone insurance when you pay your cellphone service bill with your card. Coverage includes 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.

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 similar 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.

Suggested credit score

This credit card is intended for consumers with good credit -- meaning 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 credit card 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 Motley Fool Money, 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 Motley Fool Money rates credit cards.

FAQs

  • This credit card is intended for people with good credit, which is generally a credit score of 670 or higher. 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.