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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Reviews
Wells Fargo Autograph Journey Card review: Valuable earnings rates and transfer partners
When Ryan worked as a TPG credit cards writer, he oversaw refreshes of card reviews and card offer stories. He enjoyed racking up cash back and helping readers maximize their points and miles for their next big trip.
March 17, 2025 • 8 min read
The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don't cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.
Editorial note: This is a recurring post, regularly updated with new information and offers.
Quick summary
A new mid-tier travel rewards card offers valuable earning rates and access to several airline and hotel transfer partners, a first for this issuer.
Cardholders receive perks such as an annual statement credit for airfare purchases, Visa Signature benefits and various travel and purchase protections.
The card is positioned for those seeking a straightforward redemption process with the potential for increased value as more transfer partners are added.
It was recognized as the Best New Credit Card at a major industry awards event in 2024.
What to consider
Applicants should not have opened another card from this issuer in the past six months to maximize approval chances.
Points can be transferred to six airline and one hotel loyalty programs, with a value of 1.6 cents each as of March 2025 per TPG's valuations.
The card does not include lounge access and currently has a limited number of transfer partners.
What you'll miss from the article
A detailed comparison with competing travel rewards cards and a full breakdown of redemption and transfer options.
Generated by AI with support from our editorial team.
Editorial disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
Related stories
Wells Fargo Autograph Journey℠ Card
TPG Editor's Rating3 / 5
at Wells Fargo's secure site. Terms & restrictions apply. See rates & fees.
The (see rates and fees) comes with valuable earnings rates and a handful of transfer partners — a first for the issuer — along with several perks that make the card worth a look if you believe in the potential of the Wells Fargo travel program. Card rating*: ⭐⭐⭐
*Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.
The is the mid-tier version of the no-annual-fee (see rates and fees) and offers perks like a $50 annual statement credit for airfare purchases (with a $50 minimum airline purchase) and more valuable earnings rates on travel purchases.
In fact, the Wells Fargo Autograph Journey was named the Best New Credit Card at the 2024 TPG Awards, thanks to its value for a reasonable annual fee.
The card works well for those who want a more straightforward travel rewards redemption process while still seeking to enjoy the upside of a handful of select travel partners.
It has a $95 annual fee and we recommend applicants have a credit score of 670 or higher to increase their chances of approval.
Here’s a closer look at the Wells Fargo Autograph Journey.
Wells Fargo Autograph Journey pros and cons
Pros
Cons
Airline credit (with minimum airline purchase)
Handful of transfer partners
Valuable earnings rates
Has an annual fee
Limited number of transfer partners
No lounge access
Wells Fargo Autograph Journey welcome offer
The comes with an initial welcome offer of 60,000 bonus points after spending $4,000 in the first three months.
TPG’s March 2025 valuations place Wells Fargo Rewards points at 1.6 cents apiece, making this bonus worth $960.
THE POINTS GUY
Wells Fargo credit card applications come with the following terms:
You may not qualify for an additional Wells Fargo-branded credit card if you have opened a Wells Fargo-branded credit card in the last 6 months.
To give yourself the best chance of approval, I recommend waiting until you have no new Wells Fargo accounts from the last six months before applying for this card.
First, the is a Visa Signature card, which means you’ll enjoy a few built-in benefits immediately.
The Visa Signature Luxury Hotel Collection provides elitelike benefits on hotel bookings made through its program. Some benefits you can enjoy include 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 of your stay.
Additionally, there’s the Visa Signature Concierge Service, which can help you with travel bookings, restaurant recommendations and reservations or booking tickets to an event.
Cardholders will also get a $50 annual statement credit for airline purchases after making a minimum of $50 in purchases with airlines.
D3SIGN/GETTY IMAGES
The Autograph Journey offers some standard purchase protections as well, such as a secondary auto rental collision damage waiver on rentals when you pay for the entire transaction with your card, cellular telephone protection (up to $1,000 in protection, subject to a $25 deductible per claim), 24-hour roadside dispatch and travel and emergency services assistance.
As a cardholder, you’ll also get free access to your FICO credit score.
Wells Fargo cardholders can also access My Wells Fargo Deals for cash-reward offers from various merchants. If necessary, you can also get an emergency cash advance or emergency card replacement (within 24 hours or up to three days, depending on where you are).
Earning points with the Wells Fargo Autograph Journey
With the , you’ll earn:
5 points per dollar spent at hotels
4 points per dollar spent on airlines
3 points per dollar spent on other travel and restaurant purchases
1 point per dollar spent on other purchases
OLELOLE/GETTY IMAGES
Those are solid earnings rates that can become even more valuable as Wells Fargo Rewards becomes more flexible. If the issuer continues to add transfer partners, look to maximize those earnings rates to save on your next trip.
Redeeming points with the Wells Fargo Autograph Journey
There are a handful of ways to use your points at wellsfargo.com/rewards. You can redeem them at a value of 1 cent apiece as a statement credit, for gift cards (in $25 increments) or to book travel, such as flights, rental cars or hotel stays.
You also can redeem points as a credit to a qualifying Wells Fargo credit card, checking account or mortgage. Plus, you can pay with points at participating merchants, including PayPal.
FILADENDRON/GETTY IMAGES
It’s also worth noting that if you have a Wells Fargo Visa Signature® Credit Card (no longer available to new applicants), you can redeem points for airfare at a value of 1.5 cents per point.
The information for the Wells Fargo Visa Signature has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
With the value potential of Wells Fargo’s first-ever transfer partners, TPG's March 2025 valuations peg the value of its points to 1.6 cents apiece — exactly how much more valuable they might become remains to be seen. I hope the list of transfer partners continues to grow, though, and can see an application in my future if so.
Which cards compete with the Wells Fargo Autograph Journey?
Here are a few cards that match up well with the :
If you want a Wells Fargo cash rewards card: The (see rates and fees) earns a flat rate as cash rewards, meaning you don’t need to pay attention to bonus categories. You also don’t need to worry about an annual fee. To learn more, read our full review of the Wells Fargo Active Cash.
If you want fixed-value rewards with more benefits: The Capital One Venture Rewards Credit Card earns a minimum of 2 miles per dollar spent on each purchase, and you can redeem Capital One miles for travel, against travel purchases or by transferring to 15-plus transfer partners. Cardholders also enjoy additional travel perks, like an up to $120 credit for your Global Entry or TSA PreCheck application fee. To learn more, read our full review of the Venture Rewards.
If you prefer Citi: The (see rates and fees) earns 3 points per dollar spent on air travel, hotel purchases not made through CitiTravel.com, gas stations, supermarkets, restaurants and electric vehicle charging stations. To learn more, read our full review of the Citi Strata Premier.
This card is a solid choice for those wanting a low annual fee but also some quality earning potential and travel and shopping protections. Thanks to its handful of transfer partners, the growing Wells Fargo travel program has lots of potential, making it a potentially smart investment if you rack up rewards now.
That said, serious points and miles enthusiasts might be better off with a more established travel rewards credit card.
Bottom line
The Wells Fargo Autograph Journey card is a promising offering from Wells Fargo, one that figures to become more valuable as its list of transfer partners continues to grow. Those looking for a simple card with a reasonable annual fee might be able to take advantage.
