Bank of America Customized Cash Rewards credit card vs. Wells Fargo Autograph Journey Card
On the criteria below, Wells Fargo Autograph Journey Card wins 3 of 5. The verdict depends on which criteria matter to you.
Bank of America Customized Cash Rewards credit card
Bank of America
Wells Fargo Autograph Journey Card
Wells Fargo
Wells Fargo Autograph Journey Card wins 3 of 5 criteria here, making it the stronger all-rounder.
Bank of America Customized Cash Rewards credit card wins on first-year math and annual fee; Wells Fargo Autograph Journey Card wins on earning ceiling, travel insurance, and foreign transactions.
Pick the Bank of America Customized Cash Rewards credit card if year-one math is your priority; take the Bank of America Customized Cash Rewards credit card if you want a cheaper card to keep long-term.
Who wins what
2 vs 3- First-year math Bank of America Customized Cash Rewards credit card
Bank of America Customized Cash Rewards credit card wins on bonus value minus annual fee.
- Annual fee Bank of America Customized Cash Rewards credit card
Bank of America Customized Cash Rewards credit card is $95 cheaper to keep.
- Earning ceiling Wells Fargo Autograph Journey Card
Wells Fargo Autograph Journey Card earns more on its best category (5× vs 3×).
- Travel insurance Wells Fargo Autograph Journey Card
Wells Fargo Autograph Journey Card carries built-in travel insurance.
- Foreign transactions Wells Fargo Autograph Journey Card
Wells Fargo Autograph Journey Card has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- Free
- $95
- Welcome offer (typical value)
- $200
- —
- First-year net
- +$200
- $-95
- Peak earning rate
- 3×
- 5×
- Top categories
- Choice Category, Grocery
- Hotels, Airlines, Dining
- Lounge access
- No
- No
- Travel insurance
- No
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- 3.00%
- None
- Reward currency
- Cashback
- Wells Fargo Rewards
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.