Wells Fargo Autograph vs. Autograph Journey: Should you pay an annual fee for more benefits?
The Wells Fargo Autograph Journey℠ Card (see rates and fees), with its $95 annual fee, acts as an upgraded version of the no-annual-fee Wells Fargo Autograph® Card (see rates and fees). Many of the cards' perks and earning rates overlap, though the Autograph Journey has a leg up in a few areas.
Is the Autograph Journey worth its $95 yearly price tag, or are you better off with the Autograph? Here's what to know.
Wells Fargo Autograph vs. Wells Fargo Autograph Journey comparison
| Card | Wells Fargo Autograph Journey | Wells Fargo Autograph |
|---|---|---|
Annual fee | $95 | $0 |
Sign-up bonus | Earn 60,000 bonus points after spending $4,000 in the first three months of account opening. | Earn 20,000 bonus points after spending $1,000 in the first three months of account opening. |
Earning rates |
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Other benefits |
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Wells Fargo Autograph vs. Wells Fargo Autograph Journey welcome offer
The Autograph card currently offers 20,000 bonus points after spending $1,000 in the first three months of account opening. This is a step up from its usual welcome offer. These points are worth 1 cent apiece, so this bonus is worth $200.
The Autograph Journey, meanwhile, comes with an introductory offer of 60,000 bonus points after spending $4,000 in the first three months. Thanks to the option to transfer these points to hotel and airline partners, TPG values these points at 1.6 cents each, making this bonus worth $960.
Winner: Autograph Journey. Not only does it offer more points, but its points are worth more than what you earn with the Autograph.
Related: Here are the best credit card welcome offers this month
Wells Fargo Autograph vs. Wells Fargo Autograph Journey benefits
Because the Autograph card is a Visa Signature card, you'll enjoy a few nice built-in benefits.
First is access to the Visa Signature Luxury Hotel Collection, which gives you elitelike benefits on hotel bookings through its program. You'll get things like room upgrades on arrival (when available), a $25 food and beverage credit at the property, VIP guest status and complimentary breakfast for two each day.
You'll also get access to the Visa Signature Concierge Service, which can help you with travel bookings, restaurant recommendations and reservations, and booking tickets to an event.
Lastly, you'll get perks like cellphone protection, secondary auto rental collision damage waiver on rentals, 24-hour roadside dispatch, travel and emergency services assistance, and free access to your FICO credit score.
The Autograph Journey is also a Visa Signature card and comes with these same benefits. Additionally, it comes with cellphone protection and a $50 annual statement credit for airline purchases with $50 minimum airline purchase. There's also a new benefit called "Autograph Card Exclusives," which offers access to concerts showing "big-name artists in small venues."
Winner: Autograph Journey. It has more perks than the Autograph, and its $50 annual statement credit effectively reduces the card's annual fee to $45.
Earning miles on the Wells Fargo Autograph vs. the Wells Fargo Autograph Journey
The Autograph card earns 3 points per dollar spent on a variety of spending categories: dining (including restaurants, takeout, catering and food delivery services), travel, gas stations, transit, eligible streaming services and phone plans. You'll also get 1 point per dollar spent on other purchases.
The Autograph Journey earns more points on a narrower range of bonus categories. With it, you'll get 5 points per dollar spent on hotels, 4 points per dollar spent on airlines, 3 points per dollar spent on other travel and dining and 1 point per dollar spent on other purchases.
Winner: Autograph Journey. While it depends on how much you spend in each category, earning more on large travel purchases definitely gives the Autograph Journey the edge.
Related: The best rewards credit cards for each bonus category
Redeeming miles on the Wells Fargo Autograph vs. the Wells Fargo Autograph Journey
With the Autograph card, you can redeem your points at a value of 1 cent apiece as a statement credit, for gift cards (in $25 increments) or to book travel.
You also can redeem points as a credit to a qualifying Wells Fargo credit card, checking account or mortgage. Additionally, you can pay with points at participating merchants, including PayPal.
Meanwhile, the Autograph Journey also allows cardholders to transfer points to five airline programs:
- Air France-KLM Flying Blue
- Avianca LifeMiles
- British Airways Executive Club, Aer Lingus AerClub and Iberia Plus (all using Avios)
You can also transfer to one hotel program, Choice Privileges. That's a small list of transfer partners at launch, but Wells Fargo has said that more partners will be added throughout the year.
Winner: Autograph Journey. As the Wells Fargo program continues to expand, look for the Autograph Journey to widen the gap here.
Related: Wells Fargo transfer partners: How to use Go Far Rewards points
Should I get the Wells Fargo Autograph or the Wells Fargo Autograph Journey?
The Autograph card is a compelling option if you want a solid travel card with no annual fee. It has valuable earning rates and travel benefits at a low price tag.
If you want some boosted earning rates and more redemption options, the Autograph Journey is a strong option — especially since its $50 annual travel credit effectively reduces the annual fee to just $45.
Bottom line
While they have some notable differences, the Autograph and the Autograph Journey cards are excellent travel rewards cards that pack great value into their meager annual fees.
The Autograph is an established player in the no-annual-fee field, but the Autograph Journey offers plenty of value, too — especially if its list of benefits and partners continues to grow.
Read our full reviews of the Autograph and the Autograph Journey for additional details.
Apply here: Wells Fargo Autograph
Apply here: Wells Fargo Autograph Journey
TPG featured card
at American Express's secure site
Terms & restrictions apply. See rates & fees.
| 3X | Earn 3X Miles on Delta purchases. |
| 1X | Earn 1X Miles on all other eligible purchases. |
Pros
- Delta SkyClub access when flying Delta
- Annual companion ticket for travel on Delta (upon renewal)
- Ability to earn MQDs through spending
- Various statement credits for eligible purchases
Cons
- Steep annual fee of $650
- Other Delta cobranded cards offer superior earning categories
- Earn 100,000 Bonus Miles after you spend $6,000 or more in purchases with your new Card within the first 6 months of Card Membership and an additional 25,000 bonus miles after you make an additional $3,000 in purchases on the Card within your first 6 months, starting from the date that your account is opened. Offer Ends 04/01/2026.
- Delta SkyMiles® Reserve American Express Card Members receive 15 Visits per Medallion® Year to the Delta Sky Club® when flying Delta and can unlock an unlimited number of Visits after spending $75,000 in purchases on your Card in a calendar year. Plus, you’ll receive four One-Time Guest Passes each Medallion Year so you can share the experience with family and friends when traveling Delta together.
- Enjoy complimentary access to The Centurion® Lounge in the U.S. and select international locations (as set forth on the Centurion Lounge Website), Sidecar by The Centurion® Lounge in the U.S. (see the Centurion Lounge Website for more information on Sidecar by The Centurion® Lounge availability), and Escape Lounges when flying on a Delta flight booked with the Delta SkyMiles® Reserve American Express Card. § To access Sidecar by The Centurion® Lounge, Card Members must arrive within 90 minutes of their departing flight (including layovers). To access The Centurion® Lounge, Card Members must arrive within 3 hours of their departing flight. Effective July 8, 2026, during a layover, Card Members must arrive within 5 hours of the connecting flight.
- Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $10 in purchases on your Delta SkyMiles® Reserve American Express Card with MQD Boost to get closer to Status next Medallion Year.
- Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main round-trip flight to select destinations each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
- $240 Resy Credit: When you use your Delta SkyMiles® Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required.
- $120 Rideshare Credit: Earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card to pay for U.S. rideshare purchases with select providers. Enrollment required.
- Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- With your Delta SkyMiles® Reserve American Express Card, receive upgrade priority over others with the same Medallion tier, product and fare experience purchased, and Million Miler milestone when you fly with Delta.
- Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- $650 Annual Fee.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- See Rates & Fees