Wells Fargo Autograph Journey Card

Autograph Journey is Wells Fargo's $95 travel card, with 5X on hotels, 4X on airlines, 3X on restaurants and other travel, and 1X elsewhere. The current issuer page advertises 60,000 bonus points after $4,000 in purchases in 3 months, described as $600 toward a trip, plus a $50 annual airline statement credit. Its strongest hidden value is insurance depth: the Guide to Benefits includes $1,000 cell phone protection, rental car CDW, lost baggage reimbursement, trip cancellation and interruption, and travel accident insurance.

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Wells Fargo Autograph Journey Card card art

Annual fee

$95

$7.92/mo equivalent
Welcome offer

60,000 points

$600 toward your next trip
after $4,000 in 3 months
Recommended credit

670-820

Median 720. See why →

Earning rates

on Wells Fargo Rewards

5x

Hotels

Hotels MCCs
4x

Airlines

Airlines MCCs
3x

Dining

Restaurants MCCs
3x

Travel

Other travel MCCs
1x

Everything else

Benefits and credits

Travel credits and perks

$50 Annual Airline Statement Credit

$50/year
No Foreign Transaction Fee
Roadside Dispatch
Travel and Emergency Assistance

Lifestyle credits

Visa Signature Concierge

Purchase and protection benefits

Cellular Telephone Protection

Up to $1,000

Travel and purchase coverage

Lost luggage

$3,000

Secondary coverage
Rental car collision damage waiver

$50,000

Secondary coverage
Travel accident insurance

$1,000,000

Secondary coverage
Trip cancellation and interruption

$15,000

Secondary coverage

Pricing and fees

Full Pricing and Terms

Purchase APR: 19.49% to 28.49%
Foreign tx: None
Penalty APR (cap): 29.99%
Balance transfer: 19.49% to 28.49%; Fee $5 or 5.00%, whichever is greater
Cash advance: 29.49%; Fee $10 or 5.00%, whichever is greater
Late / returned: $40 · Not disclosed

Eligibility and application

Card type

Unsecured personal card
Pre-qualification

Not disclosed
Application inquiry

Hard credit inquiry on submission
Approval bureau

Not disclosed by issuer
Authorized user fee

Not disclosed
Reports AU to bureaus

Yes

Reports authorized user activity to all three bureaus.
Issuer policy

How the recommended credit score is derived

Reported by users, not disclosed by the issuer. Synthesized from community-reported approval data points and cross-checked against industry editorial guidance for consensus.

4 data points reviewed

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Sources

Data current as of June 17, 2026 Report an inaccuracy

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Not financial advice

ccdeck is not a financial advisor. Information here is for educational purposes only. Confirm card terms with the issuer before applying.