Apple 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.
Apple Card
Goldman Sachs Bank USA
Wells Fargo Autograph Journey Card
Wells Fargo
Apple 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.
Apple Card wins on first-year math and annual fee; Wells Fargo Autograph Journey Card wins on earning ceiling and travel insurance.
Pick the Apple Card if year-one math is your priority; take the Apple Card if you want a cheaper card to keep long-term.
Who wins what
2 vs 2- First-year math Apple Card
Apple Card wins on bonus value minus annual fee.
- Annual fee Apple Card
Apple 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.
By the numbers
- Annual fee
- Free
- $95
- Welcome offer (typical value)
- —
- —
- First-year net
- +$0
- $-95
- Peak earning rate
- 3×
- 5×
- Top categories
- Apple And App Store, Apple Pay, Bonus Daily Cash Merchants
- Airlines, Dining, Hotels
- Lounge access
- No
- No
- Travel insurance
- No
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- None
- None
- Reward currency
- Apple Daily Cash
- 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.