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Wells Fargo Autograph Journey℠ Card vs Wells Fargo Reflect® Card
Compare fees, rewards, benefits, and card details in one table before choosing which review to open next.
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How to read missing comparison values
- A dash (—) means that value is not currently available for that card.
- Coverage labels like 2/4 cards show how many selected cards have that metric populated.
- 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 | Wells Fargo | Wells Fargo |
Card Network | ||
Card Type Data: 2/2 cards | travel | balance transfer |
Card Tier Data: 2/2 cards | Mid Tier | Entry Level |
Credit Score | Excellent(750+) | — |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $95 | $0 |
Foreign Transaction Fee | None | Yes (3%) |
Purchase APR | — | 17.49% – 28.24% |
Intro APR | — | 0% for 21 months |
| Rewards | ||
Welcome Bonus | Earn 60,000 points | — |
Bonus Value | $600 | — |
Reward Rate Data: 1/2 cards | 5x pts on hotels | — |
Reward Program Data: 1/2 cards | Wells Fargo Rewards | — |
| Earning Rates | ||
| 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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