Citi Double Cash Card vs. Wells Fargo Autograph Journey Card
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
Citi Double Cash Card
Citi
Wells Fargo Autograph Journey Card
Wells Fargo
Citi Double Cash Card and Wells Fargo Autograph Journey Card split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.
Citi Double Cash Card wins on first-year math and annual fee; Wells Fargo Autograph Journey Card wins on travel insurance and foreign transactions.
Pick the Citi Double Cash Card if year-one math is your priority; take the Citi Double Cash Card if you want a cheaper card to keep long-term.
Who wins what
2 vs 2 (1 tie)- First-year math Citi Double Cash Card
Citi Double Cash Card wins on bonus value minus annual fee.
- Annual fee Citi Double Cash Card
Citi Double Cash Card is $95 cheaper to keep.
- Earning ceiling Tie
Same peak earning rate.
- 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
- 5×
- 5×
- Top categories
- Travel Portal
- Hotels, Airlines, Dining
- Lounge access
- No
- No
- Travel insurance
- No
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- 3.00%
- None
- Reward currency
- Citi ThankYou Points
- 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.