- Sign-Up Bonus
- 3.5
- Spending Multipliers
- 4.5
- Credits & Features
- 2.5
- Fees
- 4.5
- Application
- 4
- Issuer
- NaN
Summary
- Sign-Up Bonus
- 3.5
- Spending Multipliers
- 4.5
- Credits & Features
- 2.5
- Fees
- 4.5
- Application
- 4
- Issuer
- NaN
The Wells Fargo Autograph Journey Card is a travel-focused rewards credit card built for frequent flyers and international travelers who want strong travel protections and no foreign transaction fees. While it carries an annual fee that isn’t waived in the first year—and ongoing credits won’t fully offset that cost—the card delivers meaningful value through premium benefits like trip cancellation and interruption insurance up to $15,000, travel accident insurance up to $1,000,000, lost luggage reimbursement, and auto rental collision damage waiver. Cardholders also receive a $50 annual statement credit with a $50 minimum airline purchase and robust cell phone protection up to $1,000 when paying their bill with the card. However, with just 1x points on non-bonus purchases, it’s less appealing for everyday spending and better suited for consumers who spend heavily on travel and want built-in protections rather than maximizing flat-rate rewards. Overall, the Wells Fargo Autograph Journey Card is ideal for travelers seeking security, insurance coverage, and international usability over simple cash-back earnings.
Pros
Cons
Issuer
Spending Multipliers
Credits & Features
Application
- Consider having a credit history for at least 2 years
- You can only open 1 Wells Fargo card in a 6 month period
Fees
- $95 Annual Fee
- No Foreign Transaction Fee
- Up to $40 late fee
- 19.49% - 28.49% Variable APR
- 29.49% APR for Cash Advance
- $10 or 5% of each cash advance amount (whichever is greater)
- 19.49% - 28.49% APR for Balance Transfer
- $5 or 5% of each transfer amount (whichever is greater)