Card reviewWells Fargo
Updated Apr 16, 2026 · research
Wells Fargo Autograph Journey℠ Card
Wells FargoWells Fargo RewardsEditorially reviewed

Wells Fargo Autograph Journey℠ Card

Earn 5X points on hotels, 4X on airlines, 3X on restaurants and other travel, 1X on other purchases. Includes travel protections and $50 annual airline statement credit.

PremiumPersonal
Visa
$95
Annual fee
5x pts hotels
Top rate
None
Foreign fee
N/A
Rating

Current Welcome Offer

60,000 points

$600 estimated value

Spend $4,000 in 90 days

Verifiedproduct-page

Card Offers

public

60,000 points

Verified

$600 estimated value

Spend $4,000 in 90 days

product-page

Earning Rates

hotels
5xpoints

Prepaid hotels and hotels booked through travel agencies

airlines
4xpoints
Restaurants
3xpoints
Travel
3xpoints

Other travel

all other purchases
1xpoints

Pros & Cons

Pros

  • High 5X points on prepaid hotels and hotels through travel agencies
  • 4X points on airlines and 3X on restaurants and other travel
  • Strong travel insurance including $15,000 trip cancellation coverage
  • $50 annual airline statement credit
  • No foreign transaction fees

Cons

  • $95 annual fee
  • Only 1X points on non-bonus purchases
  • Cell phone protection limited to two claims per year
  • Rewards confined to Wells Fargo Rewards program

Key Takeaways

  • Earn up to 5X points on select hotel bookings and 4X on airlines
  • 60,000-point welcome bonus after $4,000 spend in three months
  • Includes multiple travel insurances like $1M accident coverage and $15,000 trip cancellation
  • Offset $95 annual fee with $50 airline credit and cell phone protection

Fees

Fee TypeAmount
Annual Fee$95
Foreign Transaction Fee0%

Card Benefits

7 benefits (2 strong or better) including 1 hidden gems

Travel Insurance

Purchase Protection

Statement Credits

Other Insurance

Coverage Tier Legend

Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average

Hidden Gems

Cell Phone Protection

Provides up to $1,000 per claim against damage, theft, or loss with a $25 deductible when the phone bill is paid monthly with the card. Limited to two claims per 12 months.

$50 Annual Airline Statement Credit

Earns a $50 credit after any $50 airline purchase each year, applicable to any airline.

Frequently Asked Questions

What is the annual fee for the Wells Fargo Autograph Journey℠ Card?
The annual fee is $95. It is not waived in the first year.
What are the rewards earning rates?
Earn 5X points on prepaid hotels and hotels booked through travel agencies, 4X points on airlines, 3X points on restaurants and other travel, and 1X points on all other purchases. Points are earned in the Wells Fargo Rewards program.
What is the welcome bonus offer?
Receive 60,000 bonus points after spending $4,000 in the first three months. This is valued at $600 toward travel.
Does the card have foreign transaction fees?
No, there are no foreign transaction fees.
What travel insurance benefits are provided?
Benefits include up to $1,000,000 common carrier travel accident insurance when the ticket is purchased with the card, trip cancellation and interruption protection up to $15,000 per trip, lost baggage reimbursement up to $3,000 per trip, and secondary auto rental collision damage waiver. Coverage requires using the card for relevant purchases.
What is the cell phone protection benefit?
Up to $1,000 per claim for damage, theft, or loss with a $25 deductible, up to two claims per 12-month period. The monthly phone bill must be charged to the card.
How does the $50 annual airline statement credit work?
Receive a $50 statement credit after making a minimum $50 purchase with any airline each year. The credit posts after the qualifying purchase.
What purchase protections are included?
Zero Liability Protection covers unauthorized transactions if reported promptly. Other benefits like purchase protection are not detailed beyond standard Visa Signature offerings.

About This Card

Best for travelers who frequently book hotels through agencies or prepaid options, fly often, and dine out, particularly those who value travel insurance and a moderate annual fee.

The Wells Fargo Autograph Journey℠ Visa Signature® Card offers unlimited 5X points on prepaid hotels and hotels booked through travel agencies, 4X points on airlines, 3X points on restaurants and other travel, and 1X points on all other purchases. Features include a 60,000 bonus points welcome offer after $4,000 spend in 3 months ($600 value toward travel), $95 annual fee, no foreign transaction fees, and various travel insurance benefits.

It differentiates in the premium travel tier with 5X points on hotel bookings through agencies, comprehensive insurance up to $1M, and a $50 airline credit for a $95 fee.

Ready to Decide?

Apply for the Wells Fargo Autograph Journey℠ Card

60,000 points, worth about $600 estimated value, with a $95 annual fee.

Spend $4,000 in 90 days

Reward Program

Wells Fargo Rewards

Earns Points

Learn more

Card Categories

TravelVisaWells FargoAutograph

Sources & Methodology

Data Collection

We collect card details from official issuer pages, then verify them through editorial review.

Last updated:

Editorial Review

Pending editorial review.

Data Quality
  • 7 of 7 benefits rated high confidence
  • 1 of 1 offer verified
Learn More

Read our full methodology for how we collect, verify, and rate credit cards.

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