Points · Visa · $95 annual fee
Last verified 2026-10-26. Review issuer source
Wells Fargo Autograph Journey is a $95-a-year points card from Wells Fargo. Its best everyday rates are 5x on hotels, 4x on airfare, and 3x on dining; everything else earns 1x.
On our reference budget of $24,600 a year it earns $438, which clears the $95 fee with $343 to spare before any credits or perks. The welcome bonus, 60,000 points after $4,000 in 3 months, is the strongest reason to open it in a given year.
Pay the fee if you will redeem for travel or transfer points to partners. For cash back, a no-fee flat-rate card earns nearly as much with less to think about.
4X points on hotels
3X points on restaurants
5X points on hotels
3X points on other travel
Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months - that’s $600 toward your next trip
A $50 annual statement credit with $50 minimum airline purchase.
Pay for rental cars using an eligible card and get reimbursed for covered damage or theft.
Get up to $1,000 of cell phone protection against damage, theft, or unintended separation. Subject to a $25 deductible.
With Credit Close-Up® you own the skills to help understand and track your FICO® Score, raise it, or maintain it. Enroll to receive monthly FICO® Score updates and personalized credit insights. It’s complimentary to Wells Fargo Online® customers and using it won’t negatively affect your score. For additional information, visit wellsfargo.com/ficoscore.
Visa credit cardholders can get an emergency cash advance disbursed or a card replaced within one to three business days after issuer approval. Any cash advance fees and interest charges that are associated with your credit card account would apply.
Receive up to $3,000 in luggage reimbursement per trip if your bags are lost due to theft or misdirection by a common carrier while traveling.
Available whenever you’re in need of a tow – for eligible Wells Fargo cardholders 24/7 with no membership required. To learn more call 1-800-847-2869.
Available for covered Wells Fargo cardholders. Count on emergency assistance while traveling anywhere in the world. To learn more, call 1-800-992-6029. If you are outside the U.S., you can call collect: 1-804-673-1675.
Use an eligible card to pay for your trip and get reimbursed up to $15,000 for lodging, flights, and activities if the trip is canceled for a covered reason.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Enjoy a premium collection of benefits at a selection of the world’s most intriguing and prestigious properties. Learn more about the Visa Signature Hotel Collection at VisaSignatureHotels.com.
Built-in protection features ensure that you won’t be held responsible for unauthorized transactions, as long as they’re reported promptly.
These come from Visa, not from Wells Fargo. Every card on the Visa Signature tier carries them, so they should not decide between two cards.
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more. Sign up for a free Booking.com account to get started.
Enjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Enjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Eligible Visa cardholders can now use the GigSky app to access complimentary or discounted global mobile data, in 175+ countries and destinations worldwide as well as on over 200 of the world’s top cruise ships.
Get exciting benefits at Universal Studios Hollywood and Universal Orlando Resort when you pay with your Visa Signature® or Visa Infinite® card.
Book your next road trip with your Visa Signature card to receive up to 25% off base rates on qualifying rentals from Avis and Budget. Your card can also unlock complimentary upgrades (when available), waived Additional Driver Fee and 10% saving on XM Satellite radio during rental.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Wells Fargo Autograph JourneyThis card · 5x on hotels | $95 | $438 | +$343 | 517th of 1,284 |
| Wells Fargo Active Cash®Wells Fargo's most-held other card · 2% on everything | None | $492 | +$492 | 283rd of 1,284 |
| Chase Freedom Flex® Credit CardThe strongest no-fee card on this budget · 7% on dining | None | $822 | +$822 | 1st of 1,284 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 2nd of 1,284 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
