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Wells Fargo Autograph Journey Card — Full Review [2024]

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Jarrod West
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Jarrod West

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Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in o...
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A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little ca...
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Juan has extensive experience in writing and editing content related to credit cards, loyalty programs, and travel. He has been honing his expertise in this field for over a decade. His work has been ...

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Wells Fargo Autograph Journey℠ Visa® Card

Wells Fargo Autograph Journey℠ Visa® Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
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  • $95

Wells Fargo Autograph Journey℠ Visa® Card

A powerful point earning card with a low annual fee and access to transfer partners.

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
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The Wells Fargo Autograph Journey card is an excellent option for those looking for a great all-around travel rewards card that offers bonus categories on hotels, airfare, travel, and dining, giving you the opportunity to earn points on all of these purchases quickly.

Plus the card offers flexible redemption options including access to transfer partners, an annual credit towards airfare, travel protections, and no foreign transaction fees, all at a low annual fee.

Pros

  • 5x points on hotels
  • 4x points on airfare
  • 3x points on travel and dining
  • 1x point on all other purchases
  • $50 annual airfare credit
  • No foreign transaction fees
  • Cell phone insurance
  • Travel protections
  • Access to Wells Fargo transfer partners

Cons

  • $95 annual fee
  • List of transfer partners is smaller than competing programs

Great Card If

  • You travel often and want a card that rewards you for these purchases
  • You value flexible redemption options and access to transfer partners

Don’t Get If

  • You don’t travel much
  • You prefer a card with simple bonus categories

Wells Fargo Autograph Journey Card — Is It Worth It?

The Wells Fargo Autograph Journey card is well worth it for those seeking a solid all-around travel rewards credit card.

It’s an excellent option for earning rewards on hotels and airfare purchases. Unlike many competing cards, earning bonus points for travel on the Wells Fargo Autograph Journey card doesn’t require making travel purchases through the Wells Fargo travel portal. Plus, you’ll earn rewards on other travel and dining purchases.

Previously, rewards earned from the Wells Fargo Autograph cards were limited to redemptions with the Wells Fargo travel portal, cash-back, or gift cards. Soon, you’ll be able to transfer your rewards to a variety of transfer partners — significantly increasing the potential value of your rewards.

Additionally, the card offers perks, including a $50 annual airfare credit, cell phone insurance, various travel protections, no foreign transaction fees, and exclusive access to live entertainment events.

What Benefits Do You Get With the Wells Fargo Autograph Journey Card?

Annual Airfare Credit

To help offset the card’s annual fee, each year, you’ll receive a $50 statement credit toward airfare purchased with the card.

This credit can be used on your ticket, not just airline incidentals like some other travel cards with airline credits. You can book directly with the airline and still receive your $50 credit. This is great because booking directly with the airline preserves flexibility for rebooking or refunds if your flight is canceled or significantly delayed, which can be a bit of a hassle when you book through a third-party platform.

Travel Protections

  • Rental Car Insurance — Primary rental car insurance that provides up to $50,000 in coverage toward accidental damage or theft of your rental car.
  • Lost Luggage Insurance — The costs you incur to repair or replace checked or carry-on baggage due to physical loss, theft, or damage are covered up to a maximum of $3,000 per person.
  • Trip Cancellation and Interruption Insurance — If you need to cancel a trip due to illness, severe weather, or any other covered circumstance, you’ll receive a reimbursement of up to $15,000 per person. You’ll get reimbursed for up to $20,000 per trip in non-refundable travel expenses if you need to end your trip early.
  • Travel Accident Insurance — In the case of accidental death or loss of speech, sight, or hearing during your travels, you can receive up to $1,000,000 when the incident happens on a common carrier, such as an airline or cruise ship.

Cell Phone Protection

The Wells Fargo Autograph Journey card provides up to $1,000 worth of coverage toward accidental damage or theft to your cell phone, provided that you pay your monthly cell phone bill with your card.

There is a $25 deductible per claim and a maximum of 2 claims, totaling up to $2,000 in coverage, per rolling 12-months.

Autograph Card Exclusives

Cardholders have exclusive access to select live entertainment events featuring big-name artists in small venues that are only available to Wells Fargo Autograph credit cardholders.

Who Is the Wells Fargo Autograph Journey Card For?

The ideal cardholder for the Wells Fargo Autograph Journey card is a frequent traveler who wants to earn as many points as possible on their travel expenses.

With 5x points on hotels, 4x points on airfare, and 3x points on all other travel and dining purchases, it’s easy to see how you can earn points rather quickly using the Wells Fargo Autograph Journey card compared to many other travel rewards cards.

Additionally, the card is a great option for those who value elite status within certain airline and/or hotel programs, as the Wells Fargo Autograph Journey card does not require you to book through the bank’s own travel portal to earn bonus rewards on these purchases.

In addition to earning points, when you factor in the card’s other benefits like cell phone protection, an annual airfare credit, and soon, access to airline and hotel transfer partners, it’s easy to see why the card can be valuable to travelers.

Best Ways To Earn and Redeem Your Wells Fargo Rewards

To earn as many points as possible with your Wells Fargo Autograph Journey card, you’ll want to make it your go-to card for purchases that fall within all of the card’s bonus categories, which are hotels, airfare, travel, and dining.

Once you’ve built up a large stash of points and are ready to redeem your Wells Fargo Rewards, you can redeem them at a rate of 1 cent per point for travel purchases through the Wells Fargo travel portal or cash-back and gift cards at a rate of 1 cent per point. Soon, you’ll be able to transfer your Wells Fargo Rewards to select airline and hotel transfer partners, which will likely offer the highest redemption values for award travelers.

Alternative Cards to the Wells Fargo Autograph Journey Card

Chase Sapphire Preferred® Card

One of the most popular starter travel rewards cards, the Chase Sapphire Preferred card, is another card option that those with their eye on the Wells Fargo Autograph Journey card should consider.

With it, you’ll earn 5x points on travel purchases made through Chase Travel, 3x points on dining, online grocery purchases, and select streaming services, and 2x points on all other travel purchases.

Plus, the card offers a $50 annual hotel credit, great travel protections, flexible redemption options, and an impressive list of Chase transfer partners.

Capital One Venture Rewards Credit Card

Another worthwhile option to consider is the Capital One Venture Rewards card. The card earns 5x miles on hotels and rental cars purchased through Capital One Travel, plus an unlimited 2x miles on all other purchases.

Additionally, the card offers perks like a Global Entry/TSA PreCheck credit, Hertz Five Star status, and access to Capital One transfer partners.

The information regarding the Capital One Venture Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding Wells Fargo Autograph Journey℠ Visa® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Frequently Asked Questions

Is the Wells Fargo Autograph Journey card worth it?

The Wells Fargo Autograph Journey card can be worth it if you’re looking for a great all-around travel rewards card with rewarding bonus categories such as airfare, hotels, travel, and dining. Plus, with perks including cell phone insurance, rental car insurance, and access to transfer partners, all for a low annual fee, the Wells Fargo Autograph Journey card can offer a lot of value.

What credit score is needed for the Wells Fargo Autograph Journey card?

There is no set credit score that will guarantee approval for the Wells Fargo Autograph Journey card, but you should have reasonably strong approval odds if you have a credit score of 670 or higher.

Does the Wells Fargo Autograph Journey card have an annual fee?

Yes, the Wells Fargo Autograph Journey card has a $95 annual fee.

Does the Wells Fargo Autograph Journey card have transfer partners?

Yes, though transfers aren’t available just yet, the first round of Wells Fargo Rewards transfer partners will be Aer Lingus AerClub, Air France-KLM Flying Blue, Avianca LifeMiles, British Airways Executive Club, Choice Privileges, and Iberia Plus.

Does the Wells Fargo Autograph Journey card have foreign transaction fees?

No, the Wells Fargo Autograph Journey card does not charge foreign transaction fees.

Jarrod West's image

About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.

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