Wells Fargo Autograph Journey
The Wells Fargo Autograph Journey from Wells Fargo has a $95 annual fee. At $2,650 a month of typical household spending it pays about $343 a year after fees, before statement credits, $293 less than the Citi Double Cash, a flat 2% card.
Terms checked October 26, 2026. Net values use the spending mix of 1,229 U.S. households in the Bureau of Labor Statistics' Consumer Expenditure Interview Survey. This is an estimate, not financial advice.
What does the Wells Fargo Autograph Journey earn?
5x hotels; 4x airlines; 3x other travel; 3x dining; 1x on everything else.
Not counted in the numbers on this page:
- $50 annual statement credit on $50+ airfare
How much would it pay you a year?
This is the card's rewards minus its annual fee, at three spending levels, with spending split the way the survey households split theirs. Statement credits and sign-up bonuses are left out.
| Spending a month | Wells Fargo Autograph Journey | Citi Double Cash (2%) |
|---|---|---|
| $1,500 | $153 | $360 |
| $2,650 (the survey median) | $343 | $636 |
| $5,000 | $731 | $1,200 |
The mix is 30% everything else, 25% groceries, 16% phone and utilities, 13% dining, and smaller shares elsewhere. Your own split decides the real answer: add your statements to work it out on what you actually spent.
How did it do for real households?
We ran each of the 1,229 households in the 2024 survey through every card, on 12 straight months of their own spending. It was never the best of the 53 cards for any household, and paid more than the Citi Double Cash, a flat 2% card, for under 1%. For the median household it paid $298 a year less than the flat 2% card.
The survey records spending categories but not merchants, so merchant bonuses and statement credits never count there, which favors flat cards. How we ran the household test.
What credits does it come with?
Up to $50 a year in credits, worth that much only if you would spend at these merchants anyway. PointMaxx counts a credit only when your statements show you'd have used it.
| Credit | Up to |
|---|---|
| Airline credit | $50 a year |
Fees and sign-up bonus
- Annual fee: $95.
- Foreign transaction fee: none.
- Sign-up bonus: 60,000 points ($600 at 1¢ a point) after $4,000 of spending in 3 months. Offers change and can differ by applicant, so check the issuer's page.
Other benefits
- Trip cancellation and interruption: up to $15,000
- Lost baggage reimbursement: up to $3,000 per trip
- Common carrier travel accident insurance: up to $1,000,000
- Auto rental collision damage waiver: secondary coverage
- Cell phone protection: up to $1,000 per claim, $25 deductible, 2 claims per 12 months
- Roadside Dispatch: 24/7, no membership required
- Visa Signature Concierge: 24/7 concierge
- Visa Signature Luxury Hotel Collection: perks at participating hotels
Cards that pay about the same
At $2,650 a month, these pay closest to the Wells Fargo Autograph Journey:
- Barclays JetBlue Plus: $339 a year
- Chase Southwest Premier: $349 a year
- Chase Southwest Plus: $361 a year
- Amex Delta SkyMiles Gold: $376 a year
See what it would have paid you
Add your statementsFree, in your browser. Your statements are never uploaded.
PointMaxx runs a year of your own card statements against 53 U.S. cards, after annual fees, caps and the credits you'd really use. No statements on hand? The quick estimate asks seven questions instead.
Sources
- creditcards.wellsfargo.com/autograph-journey-visa-credit-card
- Household spending: BLS Consumer Expenditure Surveys public-use microdata, 2024 Interview Survey.
See a wrong rate? Tell us. PointMaxx is not affiliated with or endorsed by Wells Fargo; the card's name is used only to say which card is meant.