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Side-by-side

Mastercard Black Card vs Wells Fargo Autograph Journey

Both are travel travel cards. The Mastercard Black Card comes from Barclays (Luxury Card) at $699/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

If you're not sure you'll use premium perks, start with the Wells Fargo Autograph Journey, its annual fee is significantly lower and the bonus values are similar. Upgrade later if you find yourself using the higher-tier benefits.

FeatureMastercard Black CardWells Fargo Autograph Journey
Annual fee$699$95
Sign-up bonusNo public welcome offer60,000 bonus points
Bonus value (est.)$0-
Min spend to unlock bonus$0 in 0 mo$4,000 in 3 mo
IssuerBarclays (Luxury Card)Wells Fargo
Card categorytraveltravel
Best earning category (Luxury_card_travel)2x1x
Transfer partnersNoneNone
Headline benefits
  • $200 airline credit
  • $100 dining credit
  • Priority Pass Select
  • 1.5cpp cash back, 2cpp airfare
  • 5x on flights
  • 4x hotels
  • 6 transfer partners (2024)
  • $50 airline credit
Read the full review
Mastercard Black Card
$699/yr · No public welcome offer
Read the full review
Wells Fargo Autograph Journey
$95/yr · 60,000 bonus points

Editorial take: Mastercard Black Card

The mid tier of the Barclays Luxury Card lineup. The $200 airline + $100 dining credits offset $300 of the $699 AF before lounge value, and the 1.5cpp cash-back rate is the best of the Luxury Card tiers. Still hard to beat Sapphire Reserve or Venture X on transferable-points flexibility, but the all-stainless body and concierge appeal to some.

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, Mastercard Black Card or Wells Fargo Autograph Journey?
The Mastercard Black Card has a public bonus (No public welcome offer, worth roughly $0), while the Wells Fargo Autograph Journey doesn't advertise one right now.
Is the Mastercard Black Card's $699 annual fee worth it compared to the Wells Fargo Autograph Journey?
Premium cards like the Mastercard Black Card ($699/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $699+ of those credits, the math works. The Wells Fargo Autograph Journey at $95/yr trades some perks for a lower commitment.
Can I have both the Mastercard Black Card and Wells Fargo Autograph Journey?
Yes, since they're from different issuers (Barclays (Luxury Card) 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 Mastercard Black Card or the Wells Fargo Autograph Journey first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Mastercard Black Card: $0 spend in 0 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.