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U.S. Bank Smartly™ Visa Signature® Card vs Wells Fargo Autograph Journey℠ Card
Compare fees, rewards, benefits, and card details in one table before choosing which review to open next.
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- A dash (—) means that value is not currently available for that card.
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- Card Type, Card Tier, Rating, and Reward Program are editorial labels and may still be pending enrichment.
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| Feature | ||
|---|---|---|
| Basic Information | ||
Issuer | US Bank | Wells Fargo |
Card Network | ||
Card Type Data: 2/2 cards | cashback | travel |
Card Tier Data: 2/2 cards | Premium | Mid Tier |
Credit Score | Good(700-749) | Excellent(750+) |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $0 | $95 |
Foreign Transaction Fee | None | None |
Purchase APR | 18.24% – 28.24% | — |
Intro APR | 0% for 12 months | — |
| Rewards | ||
Welcome Bonus | — | Earn 60,000 points |
Bonus Value | — | $600 |
Reward Rate Data: 2/2 cards | 4x pts on all purchases (with $100k+ balance) | 5x pts on hotels |
Reward Program Data: 2/2 cards | U.S. Bank Smartly Rewards | Wells Fargo Rewards |
| Earning Rates | ||
| All Purchases | 2x ptsEarn unlimited 2 Points per $1 spent on eligible Net Purchases with no caps. | — |
| All Purchases (with $100k+ balance) | 4x ptsEarn a total of 4 Points per $1 spent on your first $10,000 in eligible Net Purchases each billing cycle when paired with a U.S. Bank Smartly Savings account and qualifying checking/Safe Debit balances of $100,000 or more. | — |
| All Purchases (with $10k-$49.9k balance) | 2.5x ptsEarn a total of 2.5 Points per $1 spent on your first $10,000 in eligible Net Purchases each billing cycle when paired with a U.S. Bank Smartly Savings account and qualifying checking/Safe Debit balances between $10,000 and $49,999.99. | — |
| All Purchases (with $50k-$99.9k balance) | 3x ptsEarn a total of 3 Points per $1 spent on your first $10,000 in eligible Net Purchases each billing cycle when paired with a U.S. Bank Smartly Savings account and qualifying checking/Safe Debit balances between $50,000 and $99,999.99. | — |
| airlines | — | 4x ptsAt retailers whose merchant category code is classified as airlines and air carriers. |
| all | — | 1x ptsOn all other net purchases. |
| dining | — | 3x ptsAt eating places, restaurants, drinking places, fast food restaurants, and caterers. |
| hotels | — | 5x ptsAt retailers whose merchant category code is classified as hotel/motel. |
| travel | — | 3x ptsIncludes timeshares, vehicle/auto rental, cruise lines, travel agencies, discount travel sites, and campgrounds. |
| Benefits | ||
Key Benefits |
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