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Bank of America Unlimited Cash Rewards Credit Card vs Wells Fargo Autograph Journey
Both are well-respected travel cards. The Bank of America Unlimited Cash Rewards Credit Card comes from Bank of America at $0/yr; the Wells Fargo Autograph Journey from Wells Fargo at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | Bank of America Unlimited Cash Rewards Credit Card | Wells Fargo Autograph Journey |
|---|---|---|
| Annual fee | $0 | $95 |
| Sign-up bonus | $200 cash rewards | 60,000 bonus points |
| Bonus value (est.) | $200 | - |
| Min spend to unlock bonus | $1,000 in 3 mo | $4,000 in 3 mo |
| Issuer | Bank of America | Wells Fargo |
| Card category | cashback | travel |
| Best earning category (All_purchases) | 1.5x | 1x |
| Transfer partners | None | None |
| Headline benefits |
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Read the full review
Bank of America Unlimited Cash Rewards Credit Card
$0/yr · $200 cash rewards
Read the full review
Wells Fargo Autograph Journey
$95/yr · 60,000 bonus points
Editorial take: Wells Fargo Autograph Journey
5x on flights is class-leading at this price point. Wells Fargo added 6 transfer partners in 2024 (Flying Blue, Avianca, BA Avios, Iberia, Aer Lingus, Choice), making this card meaningfully better than before. Worth considering over Sapphire Preferred for frequent flyers.
Common questions
- Which card has the bigger sign-up bonus, Bank of America Unlimited Cash Rewards Credit Card or Wells Fargo Autograph Journey?
- The Bank of America Unlimited Cash Rewards Credit Card has a public bonus ($200 cash rewards, worth roughly $200), while the Wells Fargo Autograph Journey doesn't advertise one right now.
- Is the Bank of America Unlimited Cash Rewards Credit Card's $0 annual fee worth it compared to the Wells Fargo Autograph Journey?
- The Bank of America Unlimited Cash Rewards Credit Card has no annual fee, so the question is whether the Wells Fargo Autograph Journey's $95 fee is justified by its perks. If you'll use enough of the Wells Fargo Autograph Journey's benefits to clear $95 in value annually, it's worth it; otherwise stick with the Bank of America Unlimited Cash Rewards Credit Card.
- Can I have both the Bank of America Unlimited Cash Rewards Credit Card and Wells Fargo Autograph Journey?
- Yes, since they're from different issuers (Bank of America and Wells Fargo) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Bank of America Unlimited Cash Rewards Credit Card or the Wells Fargo Autograph Journey first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Bank of America Unlimited Cash Rewards Credit Card: $1,000 spend in 3 months. Wells Fargo Autograph Journey: $4,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.