Sam's Club Mastercard vs. Wells Fargo Autograph Journey Card
On the criteria below, Sam's Club Mastercard wins 2 of 4. The verdict depends on which criteria matter to you.
Sam's Club Mastercard
Synchrony
Wells Fargo Autograph Journey Card
Wells Fargo
Sam's Club Mastercard wins 2 of 4 criteria here, making it the stronger all-rounder.
Sam's Club Mastercard wins on first-year math and annual fee; Wells Fargo Autograph Journey Card wins on travel insurance.
Pick the Sam's Club Mastercard if year-one math is your priority; take the Sam's Club Mastercard if you want a cheaper card to keep long-term.
Who wins what
2 vs 1 (1 tie)- First-year math Sam's Club Mastercard
Sam's Club Mastercard wins on bonus value minus annual fee.
- Annual fee Sam's Club Mastercard
Sam's Club Mastercard 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.
By the numbers
- Annual fee
- Free
- $95
- Welcome offer (typical value)
- $30
- —
- First-year net
- +$30
- $-95
- Peak earning rate
- 5×
- 5×
- Top categories
- Gas Ev Charging, Dining, Sams Club Purchases
- Hotels, Airlines, Dining
- Lounge access
- No
- No
- Travel insurance
- No
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- None
- None
- Reward currency
- Sam's 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.