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Wells Fargo Autograph Journey℠ Card

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(4.1) Rating
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* Suggested credit score ranges are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.

Wells Fargo Autograph Journey℠ Card

A new way to earn valuable points that can be transferred to travel partners

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(4.1) Our Review
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All information about the Wells Fargo Wells Fargo Autograph Journey℠ Card has been collected independently by Your Best Credit Cards.
Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on Your Best Credit Cards are from advertisers and may impact how and where card products appear on the site. Your Best Credit Cards does not include all card companies or all available card offers. Commissions do not affect or prioritize placement within our Card Explorer results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

* Suggested credit score ranges are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.

Wells Fargo Autograph Journey℠ Card

A new way to earn valuable points that can be transferred to travel partners

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This card is not currently available on Your Best Credit Cards. Please use our Card Explorer to find similar cards.

All information about Wells Fargo Autograph Journey℠ Card has been collected independently by Your Best Credit Cards. Wells Fargo Autograph Journey℠ Card is no longer available through Your Best Credit Cards.

Key facts

Award travel enthusiasts are excited about this card, which is the first from Wells Fargo to offer travel rewards that can be transferred to airline and hotel partners. Initially, the available points transfer options for airlines include Air France-KLM, Avianca, British Airways Executive Club, Aer Lingus and Iberia, as well as the Choice Privileges program at a 1:2 ratio. This card also allows you to earn points at an outstanding rate, including 5x Wells Fargo Rewards points on hotels, 4x on airlines and 3x on travel and dining.

Annual Fee:

$95

AVG Point Value:

$0.012 (Learn More)

Min. Credit Score for Approval:

670-739 * Good

Ongoing APR:

21.24%-26.24% Variable

Balance transfer fees

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

Foreign Transaction Fee:

0%

Reward multipliers

The Wells Fargo Autograph Journey offers 5x points at all hotels and 4x points on all airline purchases. You earn 3x points at restaurants and on all other travel purchases. This card offers one point per dollar spent elsewhere.

There’s no other card on the market that offers 5x points on hotel purchases. And you can receive this even when you book your room directly with the hotel. You don’t have to make your reservations through the card issuer’s travel agency. You also receive 4x points on airlines, which can also be booked directly. Even 3x points on restaurants and other travel is very competitive for a card in this annual fee price range.

The rewards program currently features six airline transfer partners and one hotel partner. Options include British Airways, Aer Lingus and Iberia in the OneWorld Alliance, Avianca in the Star Alliance and Air France in the SkyTeam Alliance. You can also transfer points to the Choice Privileges program at the very favorable 1:2 rate.

Earns bonus points for spend in the following bonus categories:

5x
Hotels

Estimated Rewards Value: 6%

4x
Airfare

Estimated Rewards Value: 4.8%

3x
Dining Out / Food Delivery

Estimated Rewards Value: 3.6%

3x
Car Rentals

Estimated Rewards Value: 3.6%

3x
Cruises

Estimated Rewards Value: 3.6%

1x
Everything Else

Estimated Rewards Value: 1.2%

Key features

1

Unique Card Benefits

Access to Live Entertainment

Wells Fargo Autograph Journey cardholders receive access to Autograph Card Exclusive Events that have featured artists such as Mumford and Sons and Imagine Dragons.

2

Earns Transferable Points

With each purchase, you earn points in Wells Fargo’s rewards program. And while these points can be redeemed for cash rewards, gift cards and merchandise, you’ll often find the most valuable when transferring points to airline and hotel partners, and redeeming you rewards for high-value travel reservations.

For example, you can transfer Wells Fargo points to the Choice Privileges program at a 1:2. That means that 45,000 Wells Fargo points transfers to 90,000 Choice points, which is enough for two nights at many of their Preferred Hotels & Resorts properties that often sell for $600 to $1,000 per night.

Another great option is to transfer your rewards to the Avianca Lifemiles program, which is a member of the Star Alliance. This allows you to redeem your miles for fantastic value towards business and first class international flights, with no fuel surcharges. Among the best values are business class flights to Europe on carriers like United, Air Canada, Austrian, Swiss and Lufthansa for 63,000 miles each way, and first class on Lufthansa for 87,000 miles each way.

But if you’re just trying to get a good deal on a domestic flight, consider the British Airways Executive Club program, which has a distance based award chart that charges as little as 4,500 miles each way for short flights on their OneWorld partners American Airlines and Alaska. Likewise, Air France-KLM Flying Blue is known for having low priced awards to Mexico and the Caribbean on its SkyTeam partner Delta.

3

Annual Statement Credits

Cardholders receive a $50 statement credit towards airline purchases each year that they purchase a ticket for a minimum of $50.

4

Secondary Car Rental CDW Waiver

This card offers a collision damage waiver policy that allows you to save money on rental cars by declining the optional rental car insurance that can be aggressively sold by rental car companies. This coverage offers a benefit after your primary rental car coverage is used, and be sure to ask about specific car and country exclusions.

5

Cell Phone Protection

Feel free to decline the expensive plans offered by your mobile phone service provider, as this card offers you up to $1,000 of cell phone protection against damage, theft, or unintended separation, subject to a $25 deduction. All you have to do is pay your monthly bill with your card.

6

No Foreign Transaction Fees

You will not incur any foreign transaction fee on purchases made outside of the United States.

7

Trip Protections

When things go wrong during your travels, this card has you covered. You receive up to $3,000 in lost baggage reimbursement, along with up to $15,000 in coverage if your trip is interrupted or cancelled for any covered reason. And should the worst happen, you are covered by up to $1 million dollars of of common carrier travel accident insurance.

8

Free Access to Credit Score

With Wells Fargo’s Credit Close-up, you can not only receive access to your FICO Score, but you also receive valuable insights on how to increase or maintain your score.

9

Concierge Services

The Visa Signature Concierge service is available to cardholders 24/7, and representatives are available to help you find tickets to top sports and entertainment events, book travel, make dinner reservations and more.

10

Travel and Emergency Assistance Services

You can receive emergency assistance when you travel anywhere in the world by calling an 800-number or making a collect call to a U.S. number.

11

No Fees for Authorized Users

You can add additional cards for authorized users at no charge.

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Pros & cons

  • Strong bonus points offers for travel and dining purchases
  • Rewards can be transferred to airline and hotel partners
  • $50 annual airline credit
  • Limited list of airline and hotel transfer partners at this time
  • No TSA PreCheck or Global Entry fee reimbursement
  • No bonus categories for groceries or gas purchases

Our review

Wells Fargo is a giant of retail banks, but it’s had a relatively small presence in the market for travel rewards credit cards, until now. With the recent introduction of the Wells Fargo Autograph Journey, it joints American Express, Chase, Capital One and Citi in the exclusive club of cards that offer rewards that can be transferred to airline miles or hotel points.

Why is this important? Most credit cards offer you about one cent in value per point redeemed, so saving up $100,000 points typically results in $1,000 worth of cash back, gift cards or travel reservations. But when you’re able to transfer your rewards to airline miles or hotel points, you could earn rewards worth far more. For example, you could transfer your Wells Fargo rewards points to miles with the Spanish carrier Iberia. You can then redeem as few as 68,000 Iberia Miles (it calls their points “Avios”), for a round-trip, business class ticket to Spain from Boston, New York or Washington D.C. Such a ticket would easily be worth at least $4,000, and few would rather have $1,000 worth of gift cards instead a business class ticket to Europe.

To compete against credit cards like the Chase Sapphire Preferred, the Capital One Venture and the Citi Strata Premier, Wells Fargo created a card that’s especially rewarding for travel purchases.

The Wells Fargo Autograph Journey offers 5x points on hotel purchases, 4x points on airline tickets and 3x points for dining and for all other travel purchases. This allows frequent travelers to earn more bonus points from this card than they could from any of its competitors. And unlike other bonus offers for travel purchases, you don’t have to use any particular travel agency – you are free to purchase your airline and hotel reservations directly, which is how most experienced travelers prefer to do it.

With a $95 annual fee, it’s an accessible card, but even that number overstates its true cost. This card is made for travelers, so it’s really easy to get the $50 annual air travel statement credit after you purchase your first ticket of at least $50. This brings the net cost of this card down to $45, which is far below it’s competitors.

So who is the Wells Fargo Autograph Journey card for?

This card makes sense for those who make a significant amount of travel purchases, and want to be rewarded as much as possible. Earning 5x at any hotel and 4x on any airline is great for so-called free agents who make decisions based on price and schedule, rather than loyalty to a particular brand. This is also a card for those who appreciate the value of having a credit card with strong travel insurance policies. For example, with trip cancellation and trip interruption protection, you’ll never incur a loss if you have to cancel a trip due to covered reasons, ranging from illness to jury duty.

And finally, this is an ideal travel rewards card for those who already have a banking relationship with Wells Fargo. When you have a credit card issued by the same bank where you have checking, savings or other accounts, you’re able to manage everything in one place, and payments are instantly credited.

Frequently asked questions

1

Does Wells Fargo Autograph Journey have an annual fee?

Yes, it has a $95 annual fee.

2

Does Wells Fargo Autograph Journey get you into airport lounges?

No, this card doesn’t offer airport lounge access.

3

Is it hard to get the Wells Fargo Autograph Journey?

Wells Fargo doesn’t publish a minimum credit score, but as a premium rewards card, it’s likely that applicants will need at least good credit, which is defined as a FICO score of at least 640.

4

Is it worth getting Wells Fargo Autograph Journey?

There’s no one card that’s right for everyone, but the Wells Fargo Autograph Journey makes sense for those who value travel rewards points, those that purchase significant amounts of travel and applicants who already have an existing banking relationship with Wells Fargo.

5

How do I earn points / cash with the Wells Fargo Autograph Journey?

You earn 5x Wells Fargo Rewards points for every dollar spent on hotels, 4x for airfare purchases and 3x at restaurants and for other travel. You earn one point per dollar on all other purchases.

6

Is there a better credit card than the Wells Fargo Autograph Journey?

It all depends on what you’ll be using your card for. There are better cards for other purposes such as building credit, earning cash back or financing purchases, but the Wells Fargo Autograph Journey is a very competitive travel rewards card.

7

Does the Wells Fargo Autograph Journey charge foreign transaction fees?

No, it does not.

8

Does the Wells Fargo Autograph Journey have car rental coverage?

Yes, it offers secondary auto rental collision damage waiver coverage.

9

Does the Wells Fargo Autograph Journey come with any Elite Status?

No, it doesn’t offer elite status with airlines or hotels.

10

Does the Wells Fargo Autograph Journey offer extended warranty?

No, it does not.

11

Does the Wells Fargo Autograph Journey offer purchase protection?

No, it does not.

12

Does the Wells Fargo Autograph Journey offer trip protections?

Yes, it offers lost baggage reimbursement, trip cancellation and interruption protection and common carrier travel accident insurance. It also offers an auto rental collision damage waiver and travel and emergency services assistance.

13

What credit score do I need to get a Wells Fargo Autograph Journey?

Wells Fargo doesn’t publish a minimum credit score, but as a premium rewards card, it’s likely that applicants will need at least good credit, which is defined as a FICO score of at least 640.

14

What can I do with the points earned for spending on the Wells Fargo Autograph Journey?

You can redeem your Wells Fargo Rewards points to pay for purchases, or to make purchases at eligible retailers. You can also redeem your points for gift cards or travel reservations. Your credit card rewards can also be transferred to points and miles travel partners including airlines and hotels.

15

Does Wells Fargo Autograph Journey have Cell Phone Protection?

Yes, it includes up to $1,000 of cell phone protection against damage, theft, or unintended separation, with a $25 deductible. You must pay your cell phone bill in full with the card each month.

16

How Does the Wells Fargo Autograph Journey card compare with the Chase Sapphire Preferred card?

The Chase Sapphire Preferred offers 3x points at restaurants and 2x on travel purchases, which is less than the Wells Fargo Autograph Journey Visa. The Sapphire Preferred offers 5x on reservations booked through Chase Travel.

The Chase Ultimate Rewards program has a greater number of transfer partners including Southwest, United and Hyatt.

Chase also offers greater travel protections and purchase protection benefits.