Editorial take: IHG One Rewards Premier
A solid hotel card if you stay at IHG properties regularly. The free night award and 4th night free on award stays can easily offset the $99 annual fee.
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Side-by-side
IHG One Rewards Premier vs Wells Fargo Autograph Journey
Both are well-respected travel cards. The IHG One Rewards Premier comes from Chase at $99/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
For most people the IHG One Rewards Premier is the stronger pick today, the sign-up bonus is meaningfully larger ($925 more in estimated value) than the Wells Fargo Autograph Journey's. Get the IHG One Rewards Premier first; revisit the Wells Fargo Autograph Journey after you've earned that bonus.
| Feature | IHG One Rewards Premier | Wells Fargo Autograph Journey |
|---|---|---|
| Annual fee | $99 | $95 |
| Sign-up bonus | 185,000 bonus points | 60,000 bonus points |
| Bonus value (est.) | $925 | - |
| Min spend to unlock bonus | $3,000 in 3 mo | $4,000 in 3 mo |
| Issuer | Chase | Wells Fargo |
| Card category | hotel | travel |
| Best earning category (Ihg) | 10x | 1x |
| Transfer partners | None | None |
| Headline benefits |
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Read the full review
IHG One Rewards Premier
$99/yr · 185,000 bonus points
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, IHG One Rewards Premier or Wells Fargo Autograph Journey?
- The IHG One Rewards Premier has a public bonus (185,000 bonus points, worth roughly $925), while the Wells Fargo Autograph Journey doesn't advertise one right now.
- Is the IHG One Rewards Premier's $99 annual fee worth it compared to the Wells Fargo Autograph Journey?
- At $99/yr, the IHG One Rewards Premier is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Wells Fargo Autograph Journey's, pick the one whose perks you'll actually use.
- Can I have both the IHG One Rewards Premier and Wells Fargo Autograph Journey?
- Yes, since they're from different issuers (Chase 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 IHG One Rewards Premier or the Wells Fargo Autograph Journey first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. IHG One Rewards Premier: $3,000 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.