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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 sourceWhat is Annual airline credit?A credit toward airline spending. Whether it covers the fare itself or only extras such as bags and seats varies by card. On this card: Statement credit with a qualifying $50+ airline purchase 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.