The Wells Fargo Autograph Journey℠ Card -- Wells Fargo’s latest and best travel card -- recently launched with an impressive set of features. Its competitive rewards, welcome bonus and redemption options take aim at incumbent travel credit cards from Chase, American Express and Capital One.
What gives Wells Fargo’s first foray into the point-transfer space an edge is that you don’t have to book travel in a portal to earn the highest rewards rates.
Here’s why we think the Wells Fargo Autograph Journey could go toe-to-toe with some of the best travel credit cards, plus three insider tips to help you decide if you should add it to your credit card lineup.
What the Wells Fargo Autograph Journey Card offers
Here’s a quick overview of what you can expect with the Autograph Journey:
- Earn 60,000 welcome bonus rewards points after spending $4,000 in purchases within three months of account opening.
- Earn unlimited 5x points on hotels, 4x points on airlines, 3x points on other travel and restaurants and 1x on other purchases.
- Earn a $50 annual statement credit with $50 minimum airline purchase.
- No foreign transaction fees.
- Other benefits include trip cancellation and interruption protection, lost luggage reimbursement, roadside dispatch and cell phone protection.
- $95 annual fee.
How other travel cards compare to the Wells Fargo Autograph Journey℠ Card
- Intro Offer
-
60,000 bonus points Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip. Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Annual fee
- $95
- APR
- 21.24%, 26.24%, or 29.99% Variable APR
- Intro Purchase APR
- N/A
- Recommended Credit A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.
- Good – Excellent
- Rewards rate
-
1x – 5x Earn unlimited 5X points on hotels; Earn unlimited 4X points on airlines; Earn unlimited 3X points on other travel and restaurants; Earn 1X points on other purchases
- Intro Offer
-
60,000 bonus points Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.
- Annual fee
- $95
- APR
- 21.49% – 28.49% Variable
- Intro Purchase APR
- N/A
- Recommended Credit A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.
- Good – Excellent
- Rewards rate
-
1x – 5x 5x on travel purchased through Chase Travel℠.; 3x on dining, select streaming services and online groceries.; 2x on all other travel purchases.; 1x on all other purchases.
- Intro Offer
-
Earn 75,000 miles Earn 75,000 miles once you spend $4,000 on purchases within the first 3 months of account opening, plus receive a one-time $250 Capital One Travel credit in your first cardholder year – that’s equal to $1,000 in travel
- Annual fee
- $95
- APR
- 19.99% – 29.99% (Variable)
- Intro Purchase APR
- N/A
- Recommended Credit A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.
- Good – Excellent
- Rewards rate
-
2x – 5x Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options; Earn unlimited 2X miles on every purchase, every day.
3 key benefits cardholders get from the Autograph Journey
Here’s a rundown of four facts we discovered about the Autograph Journey that you should know when deciding whether to apply.
1. You can transfer points with Wells Fargo point-based cards
The launch of the Autograph Journey also marks the first transferable points program from Wells Fargo, which joins other card issuers like Chase and Capital One, which have their own pooling programs.
Autograph Journey will be able to do a points transfer with the no-annual-fee Wells Fargo Autograph℠ Card. This is especially notable since the Wells Fargo Autograph℠ Card offers bonus rewards in different categories than the Autograph Journey.
For example, the Autograph card earns unlimited 3x points on restaurants, travel, gas stations, transit, popular streaming services and phone plans, plus 1x points on other purchases. So you can maximize your point earning across different categories, then transfer your points to your Autograph Journey account to access premium travel redemptions.
2. It offers more options for earning bonus rewards on travel than some competitors
The Autograph Journey will offer more flexibility than many travel rewards cards when it comes to earning more points on travel purchases. For example, cardholders earn unlimited 5x points on hotels booked directly with hotel brands and 4x points on airfare booked with airlines.
This helps the card stand out from other popular travel credit cards that offer the most bonus points only if you book travel through their portals.
For example, the Capital One Venture Rewards Credit Card* and the Capital One Venture X Rewards Credit Card* only offer the highest bonus rewards on travel booked through Capital One Travel.
The Chase Sapphire Preferred® Card also offers its highest rate of 5x points on travel booked through Chase Travel℠, whereas other travel purchases earn 2x points. The Sapphire Preferred also earns 3x points on dining, online grocery purchases and select streaming services and 1x points on other purchases.
Autograph Journey cardholders also earn a minimum of 3x points on other travel purchases, which could include rental cars, cruises and travel booked through online travel agencies like Expedia and Priceline.
3. The card may grow in value as more transfer partners join
The Autograph Journey Card will earn flexible travel rewards points that transfer to a selection of airline and hotel partners, similar to Amex Membership Rewards points or Chase Ultimate Rewards. While the list of transfer partners is limited, Wells Fargo stated in its initial press release that “more partners will continue to be added throughout the year.”
Points transfers could dramatically change the value proposition of the Autograph Journey, especially if new partners include domestic airlines and popular hotel loyalty programs.
For now, Wells Fargo transfer partners include the following:
| Transfer partner | Transfer ratio |
| Choice Privileges® | 1:2 |
| Air France‑KLM Flying Blue | 1:1 |
| avianca lifemiles | 1:1 |
| British Airways Executive Club | 1:1 |
| AerClub | 1:1 |
| Iberia Plus | 1:1 |
Compare that to the list of list of all 14 travel partners Chase offers:
- Aer Lingus
- Air Canada
- Air France KLM
- British Airways
- Emirates
- Iberia
- JetBlue
- Singapore Airlines
- Southwest
- United
- Virgin Atlantic
- IHG Rewards
- Marriott Bonvoy
- World of Hyatt
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*All information about the Capital One Venture Rewards Credit Card and Capital One Venture X Rewards Credit Card have been collected independently by CNET and has not been reviewed by the issuer.
The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.
