Wells Fargo Autograph Journey
Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
View OfferEarn 60,000 bonus points after spending $4,000 in the first 3 months.
Benefits and fees last verified May 2026against the issuer's published terms.
60,000 Wells Fargo Rewards points once $4,000 of spend posts within your first 3 months. $95 annual fee.
- Annual fee
- $95
Welcome offers change often and can differ by application channel. Verify the current offer with the issuer before you apply.
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.
Earning Rates
At a glance
- 5x on flights
- 4x hotels
- 6 transfer partners (2024)
- $50 airline credit
Earning rates
3- 5xlodging
Unlimited 5x points on hotels booked directly with the hotel (eating places excluded; merchant must classify as a hotel)
- 3xdining
Unlimited 3x points on restaurants (dine-in, takeout, fast food, catering, delivery) and on other travel (rental cars, cruise lines, travel agencies, discount travel sites, campgrounds, taxis, rideshare, transit, parking, tolls)
- 1xeverything else
1x point per $1 on all other net purchases (base rate; cash advances and cash equivalents do not earn points)
Transfer partners
3Statement credits
3- $50Airline CreditYearly
$50 annual airline statement credit, auto-applied on first $50+ direct airline purchase (not OTA/portal). Cardmember-year reset.
- $50$50 annual airline statement credit, automatically applied after a single qualifying airline purchase of $50 or more posts to the account each cardmember year (verified on issuer product page; no airline allowlist beyond merchant category code)
- $25Visa Signature Luxury Hotel Collection
Visa Signature Luxury Hotel Collection: at participating properties booked through visasignaturehotels.com, benefits include best available rate guarantee, automatic room upgrade on arrival when available, complimentary in-room Wi-Fi, $25 food/beverage or similar property credit, late 12 PM checkout when available, and complimentary continental breakfast
Perks & memberships
2- No foreign feesNo foreign transaction fees on purchases made outside the United States (confirmed on the issuer product page)
- ConciergeVisa Signature Concierge Service: complimentary 24/7 concierge to help with tickets to sports and entertainment events, travel booking, dinner reservations, and similar requests (verified per issuer product page Visa Signature privileges section)
Travel & purchase protections
7- Trip Cancellation and Interruption Protection: up to $15,000 per trip in reimbursement for prepaid, non-refundable lodging, flights, and activities if the trip is canceled or cut short for a covered reason; requires the entire trip to be paid with the Autograph Journey (verified per issuer footnote 6)
- Lost Luggage Reimbursement: up to $1,000,000 in coverage when you purchase your airline or common carrier ticket with the Autograph Journey, in the event a common carrier loses or misdirects checked or carry-on baggage (verified per issuer product page protection benefits section)
- Baggage Delay Reimbursement: reimbursement for essential purchases when checked bags are delayed by a common carrier (verified per issuer footnote 5)
- Travel and Emergency Assistance Services: 24/7 referral assistance for legal, medical, and other emergencies while traveling away from home (cardholder pays for actual goods and services); 1-800-992-6029 in the U.S., 1-804-673-1675 collect from outside the U.S. (verified per issuer footnote 8)
- Auto Rental Collision Damage Waiver: secondary coverage for theft and collision damage on eligible rental vehicles when you pay the entire rental with the Autograph Journey and decline the rental company's CDW (standard Visa Signature default; Wells Fargo did not upgrade this to primary on the Journey)
- Roadside Dispatch: pay-per-use roadside assistance through Visa with no membership required (towing, tire change, jump start, lockout service, fuel delivery, standard winching); 1-800-847-2869 (verified per issuer footnote 10)
- Zero Liability Protection: cardholders are not held responsible for unauthorized transactions when reported promptly (verified per issuer footnote 12)
More benefits & fine print (2)ShowHide
- Cellular Telephone Protection: up to $600 per claim against damage, theft, or unintended separation, less a $25 deductible, with a maximum of two paid claims per 12-month period and a $1,000 annual aggregate; coverage activates the first day of the calendar month following the month you first paid your cell phone bill with the Autograph Journey; does NOT cover lost or mysteriously disappeared phones (verified per issuer footnote 9 and Guide to Benefits)
- Emergency Cash Disbursement and Card Replacement: Visa cardholders can receive an emergency cash advance or replacement card typically within one to three business days after issuer approval; standard cash advance fees and interest apply (verified per issuer footnote 11)
Before you decide, weigh alternatives
Lower-fee cards in the same category. A cheaper card can be the better fit if you will not use enough perks to earn back a bigger fee.
How we verified this card (4 sources)ShowHide
Spotted something off? Report an issue. Read our verification methodology.
How to Earn the Bonus
Spend $4,000 in the first 3 months to earn the 60,000 bonus points bonus.
See the Current Offer
Earn 60,000 bonus points
View OfferAffiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
Have a trip in mind?
Start a trip search to see how many points a specific award costs and how this card's welcome bonus and transfer partners help close the gap. Nothing is booked and no availability is checked.