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 Bilt's secure site
Terms & restrictions apply. See rates & fees.
| 1X | Earn up to 1X points on rent and mortgage payments with no transaction fee |
| 2X | Earn 2X points + 4% back in Bilt Cash on everyday purchases |
Pros
- Unlimited up to 1 Bilt Point per dollar spent on rent and mortgage payments
- Elevated everyday earnings with both Bilt Points and Bilt Cash
- $400 Bilt Travel Portal hotel credit per year (up to $200 biannually)
- $200 Bilt Cash annually
- Priority Pass membership
- No foreign transaction fees
Cons
- Moderate annual fee
- Housing payments may include transaction fees, depending on the payment method
- Designed primarily for members seeking a premium, all-in-one card
- Earn points on housing with no transaction fee
- Choose to earn 4% back in Bilt Cash on everyday spend. Use Bilt Cash to unlock point earnings on rent and mortgage payments with no transaction fee, up to 1X.
- 2X points on everyday spend
- $400 Bilt Travel Hotel credit. Applied twice a year, as $200 statement credits, for qualifying Bilt Travel Portal hotel bookings.
- $200 Bilt Cash (awarded annually). At the end of each calendar year, any Bilt Cash balance over $100 will expire.
- Welcome bonus (subject to approval): 50,000 Bilt Points + Gold Status after spending $4,000 on everyday purchases in the first 3 months + $300 of Bilt Cash.
- Priority Pass ($469/year value). See Guide to Benefits.
- Bilt Point redemptions include airlines, hotels, future rent and mortgage payments, Lyft rides, statement credits, student loan balances, a down payment on a home, and more.