Wells Fargo Autograph Journey Card
$95/yr
Wells Fargo
Wells Fargo Autograph Journey Card
4.3
(876 reviews)travelrewards
Reviewed by CardCompare Editorial Board
|CFP-reviewed|Updated April 2026Wells Fargo's premium travel card offers 5x on hotels and 4x on airlines, plus a powerful 50% bonus when transferring to airline/hotel partners — making each point worth up to 1.5 cents in transfers. Pairs well with the no-fee Autograph card.
Annual Fee
$95
Purchase APR
21.49% – 29.49%
Rewards
1x base rate
Sign-Up Bonus
$600 value
Credit Score
Excellent (750+)
Foreign Txn Fee
None
Who Should Get This Card
The Wells Fargo Autograph Journey Card is best suited for experienced cardholders who travelers who want high hotel and airline multipliers with transfer flexibility. The $95 annual fee pays for itself if you spend $9,500+/year on this card.
This card is great if you…
- 50% transfer bonus to partners
- 5x hotels, 4x airlines
- Solid travel protections
- Travelers who want high hotel and airline multipliers with transfer flexibility
Consider another card if you…
- $95 annual fee
- Fewer transfer partners than Chase/Amex
- New program still maturing
Rewards Breakdown
5x hotels, 4x airlines, 3x other travel/dining, 1x everything else
| Category | Rate |
|---|---|
| Hotels | 5x |
| Airlines | 4x |
| Other Travel | 3x |
| Dining | 3x |
| Everything else | 1x |
Rewards Distribution
5x
top rate
Hotels5x31%
Airlines4x25%
Other Travel3x19%
Dining3x19%
Everything else1x6%
Sign-Up Bonus
60,000 points after spending $4,000 in 3 months
Fees & APR
| Annual Fee | $95 |
| Purchase APR | 21.49% – 29.49% |
| Balance Transfer Fee | 3% |
| Foreign Transaction Fee | None |
| Late Fee | Up to $40 |
Pros & Cons
50% transfer bonus to partners
5x hotels, 4x airlines
Solid travel protections
No foreign transaction fees
$95 annual fee
Fewer transfer partners than Chase/Amex
New program still maturing
The Bottom Line
The Good: The Wells Fargo Autograph Journey Card stands out for its 50% transfer bonus to partners. The welcome bonus worth $600 adds significant first-year value. No foreign transaction fees make it a strong pick for international spending.
The Not So Good: $95 annual fee. The $95 annual fee means you need to use the card actively to justify the cost. You'll need excellent credit (750+) to qualify.
Our Verdict: With an editor score of 8/10, the Wells Fargo Autograph Journey Card is one of our top-rated cards in its category. Make sure you'll earn at least $95 in value annually to justify the fee.
Frequently Asked Questions
What is the annual fee for the Wells Fargo Autograph Journey Card?▾
The Wells Fargo Autograph Journey Card has a $95 annual fee. Consider whether the rewards and perks you'll use offset this cost.
What is the sign-up bonus for the Wells Fargo Autograph Journey Card?▾
The Wells Fargo Autograph Journey Card currently offers a sign-up bonus worth approximately $600. 60,000 points after spending $4,000 in 3 months Terms apply — always verify the current offer directly with the issuer.
How do the rewards work on the Wells Fargo Autograph Journey Card?▾
The Wells Fargo Autograph Journey Card earns 1x points on all purchases, and up to 5x points in select bonus categories. Points can be redeemed for travel, cash back, gift cards, and more.
What credit score do I need for the Wells Fargo Autograph Journey Card?▾
The Wells Fargo Autograph Journey Card is recommended for applicants with excellent (750+) credit. Approval is not guaranteed and depends on your full credit profile.
Does the Wells Fargo Autograph Journey Card charge a foreign transaction fee?▾
No — the Wells Fargo Autograph Journey Card has no foreign transaction fees, making it a solid choice for international purchases and travel abroad.
What is the APR on the Wells Fargo Autograph Journey Card?▾
The Wells Fargo Autograph Journey Card has a variable purchase APR of 21.49% – 29.49%. If you carry a balance, interest charges can quickly outweigh any rewards earned.
Who is the Wells Fargo Autograph Journey Card best for?▾
The Wells Fargo Autograph Journey Card is best for Travelers who want high hotel and airline multipliers with transfer flexibility. A key advantage: 50% transfer bonus to partners.
Annual Fee Break-Even
$1,000/mo
$100/mo$5,000/mo
Annual rewards earned: $120Annual fee: $95
Card pays for itself! You earn $25 more than the annual fee at this spend level.
Based on 1x base rewards rate @ 1¢ per point. Bonus category spending may reduce your break-even point.
Customer Reviews
4.3
876 reviews
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