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Wells Fargo · credit
Last updated
Is the WF Autograph Journey worth keeping when the fee hits?
Welcome offer — 60,000 bonus points after $4,000 spend in 3 months (offer varies) Inferred by source
Apply on Wells Fargo's siteOfficial issuer page (not an affiliate link yet) · how we earn
Typically needs good credit (670–739) — guideline, not a guarantee · Set your credit profile
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What this card delivers across six value dimensions (0–100, normalized).
| 5× | Hotels Inferred by source |
|---|---|
| 4× | Airlines Inferred by source |
| 3× | Other travel & dining Inferred by source |
| 1× | Everything else Inferred by source |
Wells Fargo Rewards points transfer to these loyalty programs. Airlines 1:1; hotels 1:2. Inferred by source
| Airlines (9) | |
|---|---|
| Hotels (2) |
| Annual airline credit | $50/yr · annual Inferred by source |
|---|
No lounge access.
| Trip cancellation | Up to $15,000/traveler per trip, $20,000 max per account per 12-month period; covers unused nonrefundable expenses for covered reasons (illness, severe weather, terrorism, quarantine, military service, jury duty, passport loss) Verified by source |
|---|---|
| Trip delay | Up to $500/ticket (>6 hrs) Inferred by source |
| Rental car CDW | Primary auto rental coverage Inferred by source |
| Travel accident | Up to $1,000,000/account for AD&D while traveling on common carrier purchased with card Verified by source |
| Baggage | Up to $3,000 total for all covered travelers per trip (NY residents: $2,000/bag, $3,000 total); covers checked and carry-on baggage lost or stolen during transit; excludes cameras, sporting equipment, cash, tickets, perishables Verified by source |
| Cell phone protection | Up to $1,000/claim, up to $2,000 per 12-month period; max 2 claims/year; $25 deductible; monthly wireless bill must be paid with card; excludes cracked screens, accessories, tablets, smartwatches, and lost phones Verified by source |
| Roadside assistance | Roadside Dispatch for light-duty vehicles in the US; services include towing (up to 5 miles), tire change, jump start, lockout, fuel delivery (up to 5 gallons); pay-per-use Verified by source |
Using WF Autograph Journey at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | Either $10 or 5% of each cash advance, whichever is greater Inferred by source |
|---|---|
| Cash advance APR | Up to 29.99% variable APR (no grace period) Estimated by source |
| Foreign ATM | Cash advance with no foreign transaction fee — but the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The Wells Fargo Autograph Journey℠ Card has a $95 annual fee.
Using its non-spend-gated credits fully, the Wells Fargo Autograph Journey℠ Card returns about $50 in value against its $95 annual fee — a net of −$45 per year. It only makes sense if you value its perks beyond the listed credits.
The Wells Fargo Autograph Journey℠ Card earns 5x on hotels, 4x on airlines, 3x on other travel & dining.
No — the Wells Fargo Autograph Journey℠ Card does not include airport lounge access.
No — the Wells Fargo Autograph Journey℠ Card has no foreign transaction fee, so it's a good card to use abroad.
60,000 bonus points after $4,000 spend in 3 months (offer varies). Welcome offers change frequently — confirm the current one on the issuer's page before applying.