Discover it Miles vs. Wells Fargo Autograph Journey Card
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
Discover it Miles
Discover
Wells Fargo Autograph Journey Card
Wells Fargo
Discover it Miles 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.
Discover it Miles wins on first-year math and annual fee; Wells Fargo Autograph Journey Card wins on earning ceiling and travel insurance.
Pick the Discover it Miles if year-one math is your priority; take the Discover it Miles if you want a cheaper card to keep long-term.
Who wins what
2 vs 2- First-year math Discover it Miles
Discover it Miles wins on bonus value minus annual fee.
- Annual fee Discover it Miles
Discover it Miles 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 1.5×).
- Travel insurance Wells Fargo Autograph Journey Card
Wells Fargo Autograph Journey Card carries built-in travel insurance.
By the numbers
- Annual fee
- Free
- $95
- Welcome offer (typical value)
- —
- —
- First-year net
- +$0
- $-95
- Peak earning rate
- 1.5×
- 5×
- Top categories
- Everyday
- Hotels, Airlines, Dining
- Lounge access
- No
- No
- Travel insurance
- No
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- None
- None
- Reward currency
- Discover Miles
- 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.