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Each card across six value dimensions (0–100). Bigger area = more all-round value.
| Perk | Wells FargoWF Autograph JourneyWells Fargo | Wells FargoWF AutographWells Fargo |
|---|---|---|
| Annual fee | $95 Inferred by source | $0 Inferred by source |
| Realized value* | $50 | $0 |
| Net / year | −$45 | +$0 |
| Value check | Earns its keep | Earns its keep |
| Rewards | points | points |
| Lounges | — | — |
| Points & Miles | 5× Hotels Inferred by source 4× Airlines Inferred by source 3× Other travel & dining Inferred by source 1× Everything else Inferred by source | 3× Restaurants, travel, gas, transit, streaming & phone plans Inferred by source 1× Everything else Inferred by source |
| Redemption Value | 1¢ per pt Estimated by source | 1¢ per pt Inferred by source |
| Hotel Perks | — | — |
| Credits | 1 credit · $50/yr | — |
| Protections | 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 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 — 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 | rental cdw — Secondary theft/damage coverage Inferred by source cell phone — Up to $600/claim for damage or theft; $25 deductible; max 2 claims per 12-month period, up to $1,200/year; monthly wireless bill must be paid with card Verified by source |
| Foreign Tx Fees | None Inferred by source | None Inferred by source |
| Cashback | — | — |
| Data last verified | Jun 17, 2026 | Jun 17, 2026 |
| Apply | Apply | Apply |
*Assumes full use of every non-spend-gated credit — an upper bound. Personalize it
On paper the Wells Fargo Autograph℠ Card comes out ahead: by realized value minus the annual fee, the Wells Fargo Autograph Journey℠ Card nets −$45/yr and the Wells Fargo Autograph℠ Card nets +$0/yr. Which is actually better depends on your spending and which perks you'll use.
The Wells Fargo Autograph℠ Card has the lower annual fee ($0 vs $95).
Neither includes airport lounge access.