Wells Fargo Autograph Journey Visa® Credit Card
- Annual fee
- $95
- Recommended credit
- Excellent / Good
- Card network
- Visa
- Regular purchase APR
- 21.24%, 26.24%, or 29.99% variable based on creditworthiness and the Prime Rate
At a glance
The Wells Fargo Autograph Journey Card provide a lucrative earning platform for travelers who want the freedom to book travel on their terms and not based on a bank's travel portal. The card earns up to 5X points on travel purchases, offers points transfers to leading carriers and hotels, and comes with a slate of tarvel credits and benefits for a modest $95 annual fee.
Our review of the Wells Fargo Autograph Journey Visa® Credit Card
The Wells Fargo Autograph Journey Visa® credit card is a top-tier travel rewards credit card designed to cater to the needs of frequent travelers. With up to 5X points per $1 spent on eligible travel categories, a yearly airline statement credit, and the ability to transfer points to leading loyalty programs, this card offers exceptional value for a $95 annual fee.
Who Can Benefit from the Wells Fargo Autograph Journey Visa®?
Wells Fargo’s Autograph Journey Visa® is hailed as the bank’s best travel rewards card yet, offering a rich rewards program that allows travelers to create unique and memorable journeys. Ideal for those who value flexibility in their travel rewards and want to maximize their points on travel expenses, this card is perfect for individuals with good to excellent credit looking for a straightforward rewards program.
Travel Benefits
In a competitive travel credit card market, the Wells Fargo Autograph Journey Visa® stands out with its generous travel perks and rewards. Cardholders can enjoy a $50 annual statement credit for airfare purchases, exclusive live entertainment benefits, no foreign transaction fees, and a range of travel insurance coverages including trip cancellation and interruption insurance.
How to Earn Rewards
With a lucrative welcome offer of 60,000 bonus rewards points after spending $4,000 in the first three months, the Wells Fargo Autograph Journey Visa® prioritizes points earning. Cardholders can earn up to 5X points on hotels, 4X on airlines, 3X on other travel and dining, and 1X on all other purchases. Points can be redeemed for travel, cash back, gift cards, merchandise, charitable donations, and digital rewards.
Points Transfer Partners
A standout feature of the Autograph Journey Visa® is the ability to transfer points to leading hotel loyalty and airline frequent flyer programs. Starting April 4, 2024, cardholders can transfer points at a 1:1 ratio to programs such as Choice Privileges®, Air France-KLM Flying Blue, Avianca Lifemiles, and Avios. While the initial list of transfer partners is limited, more options are expected to be added in the future.
Other Card Benefits
In addition to valuable rewards and travel benefits, the Wells Fargo Autograph Journey Visa® offers features such as Wells Fargo Control Tower access, contactless payment, EMV chip technology, mobile wallet compatibility, voice verification, 2-step verification at sign-on, and a range of Visa Signature benefits including zero fraud liability, emergency card replacement, and travel assistance services.
Should You Apply for the Wells Fargo Autograph Journey Visa® Credit Card?
For frequent travelers and diners seeking a premium travel rewards credit card, the Wells Fargo Autograph Journey Visa® is a strong contender. With high reward rates on select travel purchases, a generous welcome offer, and the ability to transfer points to loyalty programs, this card offers excellent value for those who can maximize its travel benefits. However, if you’re looking for bonus rewards on everyday spending categories, you may want to consider other options.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- $50 annual airline statement credit
- No foreign transaction fees
- Earn 5X points on hotels, 4X on airlines, and 3X on travel and dining purchases
- Earn 1X points on all other purchases
- Transfer points to leading loyalty programs
Who this card may suit
- You already bank with Wells Fargo
- You want a lucrative travel credit card without needing to book in restrictive travel portals
- You don’t want to pay any foreign transaction fees
- You can make use of the $50 annual credit
Rates, fees and terms
| Annual Fee | $95 |
|---|---|
| Regular Purchase APR | 21.24%, 26.24%, or 29.99% variable based on creditworthiness and the Prime Rate |
| Balance Transfer APR | 21.24%, 26.24%, or 29.99% variable based on creditworthiness and the Prime Rate |
| Balance Transfer Transaction Fee | Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5 Cash Advance APR: 29.99% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $10 or 5% of the amount of each advance, whichever is greater |
| Late Payment Penalty Fee | Up to $40 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.
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Wells Fargo Autograph Journey Visa® Credit Card
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