Editorial take: Citi Custom Cash
Genuinely clever. 5% on whichever category you spent most on each month, capped at $500/month. Earns $25/month = $300/year effortlessly. Pairs with Premier to convert to transferable ThankYou Points.
All credit cards
Side-by-side
Citi Custom Cash vs Wells Fargo Autograph Journey
Both are well-respected travel cards. The Citi Custom Cash comes from Citi 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 | Citi Custom Cash | Wells Fargo Autograph Journey |
|---|---|---|
| Annual fee | $0 | $95 |
| Sign-up bonus | $200 cash back | 60,000 bonus points |
| Bonus value (est.) | $200 | - |
| Min spend to unlock bonus | $1,500 in 6 mo | $4,000 in 3 mo |
| Issuer | Citi | Wells Fargo |
| Card category | cashback | travel |
| Best earning category (Top_category) | 5x | 1x |
| Transfer partners | citi-ty | None |
| Headline benefits |
|
|
Read the full review
Citi Custom Cash
$0/yr · $200 cash back
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, Citi Custom Cash or Wells Fargo Autograph Journey?
- The Citi Custom Cash has a public bonus ($200 cash back, worth roughly $200), while the Wells Fargo Autograph Journey doesn't advertise one right now.
- Is the Citi Custom Cash's $0 annual fee worth it compared to the Wells Fargo Autograph Journey?
- The Citi Custom Cash 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 Citi Custom Cash.
- Can I have both the Citi Custom Cash and Wells Fargo Autograph Journey?
- Yes, since they're from different issuers (Citi 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 Citi Custom Cash or the Wells Fargo Autograph Journey first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Citi Custom Cash: $1,500 spend in 6 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.