$95
Annual fee
See the card
Card reviewWells Fargo
Updated Aug 12, 2026 · research
Wells FargoWells Fargo Rewards®
Wells Fargo Autograph Journey Card
Earn 5X points at hotels, 4X with airlines, 3X at restaurants and other travel, and 1X on other purchases; includes a $50 annual airline statement credit.
PremiumPersonal
Visa
$95
Annual fee
5x pts hotels
Top rate
None
Foreign fee
N/A
Rating
Current Welcome Offer
Earn 60,000 points
Spend $4,000 in 90 days
Verifiedissuer product page
Card Offers
public
Earn 60,000 points
Spend $4,000 in 90 days
issuer product page
Earning Rates
Hotels
5xpoints
Net purchases at retailers whose merchant category code is classified as hotel/motel.
Airlines
4xpoints
Net purchases at retailers whose merchant category code is classified as airlines and air carriers.
Other Travel
3xpoints
Net purchases at timeshares, vehicle/auto rentals, cruise lines, travel agencies, discount travel sites, and campgrounds merchant category codes.
Restaurants
3xpoints
Net purchases at eligible restaurant, drinking-place, fast-food, and caterer merchant category codes.
Other purchases
1xpoints
Net purchases not in bonus categories; cash advances and cash equivalents do not earn points.
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 Type | Amount |
|---|---|
| Annual Fee | $95 |
| Foreign Transaction Fee | 0% |
Card Benefits
16 benefits (3 strong or better)
Travel Insurance
Travel Access & Perks
Travel Credits
Purchase Protection
Lifestyle Benefits
Other Insurance
Coverage Tier Legend
Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average
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 Card is a Visa Signature travel rewards card that earns Wells Fargo Rewards points, including 5X at hotels, 4X with airlines, and 3X at restaurants and other travel. It has a $95 annual fee, no foreign transaction fee, a $50 annual airline statement credit, and travel and purchase-related protections.
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
Earn 60,000 points with a $95 annual fee.
Spend $4,000 in 90 days
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Sources & Methodology
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