Southwest Rapid Rewards Plus Credit Card vs. Wells Fargo Autograph Journey Card
On the criteria below, Wells Fargo Autograph Journey Card wins 2 of 3. The verdict depends on which criteria matter to you.
Southwest Rapid Rewards Plus Credit Card
Chase
Wells Fargo Autograph Journey Card
Wells Fargo
Wells Fargo Autograph Journey Card wins 2 of 3 criteria here, making it the stronger all-rounder.
Wells Fargo Autograph Journey Card leads on annual fee and earning ceiling, while Southwest Rapid Rewards Plus Credit Card only ties the rest.
Pick the Wells Fargo Autograph Journey Card if year-one math is your priority; take the Wells Fargo Autograph Journey Card if you want a cheaper card to keep long-term.
Who wins what
0 vs 2 (1 tie)- First-year math Tie
Both cards land within $25 of each other after the annual fee.
- Annual fee Wells Fargo Autograph Journey Card
Wells Fargo Autograph Journey Card is $4 cheaper to keep.
- Earning ceiling Wells Fargo Autograph Journey Card
Wells Fargo Autograph Journey Card earns more on its best category (5× vs 2×).
By the numbers
- Annual fee
- $99
- $95
- Welcome offer (typical value)
- —
- —
- First-year net
- $-99
- $-95
- Peak earning rate
- 2×
- 5×
- Top categories
- Airfare, Gas, Groceries
- Hotels, Airlines, Dining
- Lounge access
- No
- No
- Travel insurance
- Yes
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- None
- None
- Reward currency
- Southwest Rapid Rewards
- 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.