Wells Fargo Autograph Card
wells fargo
4.4 / 5
- Welcome
- 20,000 points
- Annual fee
- $0
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Wells Fargo · autograph
Wells Fargo Autograph Journey Card
4.5 / 5
Wells Fargo Rewards points · Personal card
The anti-portal travel card. Top-tier earn rates on hotels and flights booked anywhere, which beats portal-locked rivals for travelers who book direct. No trip delay coverage is the notable gap.
At a glance
- Welcome bonus
- 60,000 points
- Spend $4,000 in 3 months
- Annual fee
- $95
- Year-one and ongoing
- Purchase APR
- 19.49% to 28.49%
- No intro APR
- FX fee
- None
Editorial
Our take
The anti-portal travel card. Top-tier earn rates on hotels and flights booked anywhere, which beats portal-locked rivals for travelers who book direct. No trip delay coverage is the notable gap.
Verdict
Pros & cons
Pros
- 5x hotels and 4x airlines with no portal requirement
- Trip cancellation coverage up to $15,000
- Growing transfer partner list
- No foreign transaction fee
Cons
- No trip delay reimbursement
- Fewer transfer partners than Chase or Amex
- Few perks beyond the earn rates
Earnings
Earn rates
| Category | Rate | Notes |
|---|---|---|
| Hotels direct | 5x points | All hotel purchases. |
| Flights direct | 4x points | All airline purchases. |
| All other travel | 3x points | Other travel. |
| Dining | 3x points | Restaurants. |
| All other purchases | 1x points |
Benefits
Key benefits
5x hotels and 4x flights booked anywhere
No portal requirement. Book direct, through an OTA, or wherever, and still earn the bonus rate.
Real trip insurance
Trip cancellation up to $15,000 per traveler and lost baggage coverage.
$50 airline credit
Annual statement credit with a $50 minimum airline purchase.
Cell phone protection
Up to $1,000 per claim, two claims per 12 months, $25 deductible, when you pay your wireless bill with the card.
Secondary rental car coverage
Auto Rental Collision Damage Waiver when you decline the rental company's insurance at the counter.
Fit
Who this is best for
- Travelers who book hotels and flights direct
- Wells Fargo customers building a two-card setup
FAQ
Frequently asked questions
What is the Autograph Journey welcome bonus?
Earn 60,000 bonus points after spending $4,000 in purchases in the first 3 months.
Does the Autograph Journey charge an annual fee?
Yes. The annual fee is $95 every year.
Does the Autograph Journey have a foreign transaction fee?
No. The Autograph Journey charges no foreign transaction fee, so it works well for international purchases.
What APR does the Autograph Journey charge?
The purchase APR is 19.49% to 28.49% variable.
Who is the Autograph Journey best for?
Travelers who book hotels and flights direct. Wells Fargo customers building a two-card setup.
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Apply
Wells Fargo Autograph Journey Card
Spend $4,000 in 3 months
Rates accurate as of October 6, 2026. Issuer terms.