Wells Fargo Autograph Journey®

Wells Fargo's Top Travel Card

Annual Fee $95

Earning Rate 5x hotels • 4x airlines • 3x dining & travel • 1x everything else

Welcome Bonus 60,000 points after $4,000 spend in 3 months

Card Material Plastic card with premium matte finish

Practical Recommendation

If you spend real money on flights, hotels, and eating out, this one is easy to justify: strong multipliers where travel budgets actually go and a small $95 annual fee that's softened by a $50 airline credit each year. It's not a lounge card—think "earn-and-burn" with useful airline/hotel transfer partners.

Bottom line: book at least one flight a year and put travel/dining on it, and it can more than carry its weight. Hate tracking transfer partners? You can still just erase travel with points at booking time.

Credits

Practical Advice

This is what makes or breaks a card for you. If you can use these credits in your normal spend, the perks and protections are all bonus for you. We have a calculator at the bottom of this section to help you calculate that. Below we break down exactly what every credit is to show you if it's easy or if they're going to make you jump through 17 hoops to redeem it.

$50 Annual Airline Credit – Get up to $50 back each account year on purchases that code as airline (tickets, seat fees, etc.). How it works: Make an eligible airline purchase of $50+ with the card; statement credit posts automatically once per account year. Gotchas: Must code as an airline; does not work on third-party agencies or tours; one credit per account year. Practical value: If you buy even one flight a year, this is easy money that offsets over half the annual fee.

Click Here to Calculate Your Annual Fee

Credit

Include

Your Value

Practical Tip

You can edit the amounts in the number fields if you value a credit at less than the full value. For example, if you only use a $10/month Uber credit half the months, you might value it at $60 instead of $120.

Annual Airline Credit

What It Is:	$50 statement credit once per account year on eligible airline purchases.
How It Works:	Pay $50+ directly with an airline; one credit posts automatically per account year.
Gotchas:	Must code as airline; third-party bookings may not qualify; one use per year.
Who Actually Benefits:	Anyone who buys at least one plane ticket or pays airline fees yearly.
Practical Value:	Straightforward $50—usually a sure thing for travelers.

Include:

Your Value:

Annual Fee: $95

Your Credits: $0

YOUR Annual Fee: $95

This is effectively what you are paying for this card. It is now up to you if the perks, protections, and earning rates are worth this fee to you over other cards.

Perks

High Earning rates – 5x hotels • 4x airlines • 3x dining & other travel (rideshare, transit, car rentals, cruises) • 1x everything else. Put trip spend and eating out here to rack up points quickly.
Airline & Hotel Transfer Partners – You can move points to several airline and hotel programs for potentially higher value redemptions (most 1:1; Choice Privileges 1:2). Handy if you like award flights or hotel stays. Check the current partner list before you transfer—partners can change.
No Foreign Transaction Fees – Useful for international trips; your purchases abroad are not dinged by extra percentage fees.
Cell Phone Protection – Pay your monthly phone bill with the card and you're covered if your phone is damaged or stolen (up to $1,000 per claim with a $25 deductible). Good for families with multiple lines.

Protections

Trip Cancellation & Interruption – If a covered reason (like illness or severe weather) nukes your trip, you can be reimbursed for non-refundable costs such as flights or prepaid hotels. Helpful for big trips you'd hate to eat. (See issuer terms for covered reasons/limits.)
Trip Delay Reimbursement – Stuck due to a significant delay? Covered incidental expenses like meals or a hotel night may be reimbursed when the delay meets the stated threshold. Handy for missed connections and weather messes. (Review the guide for time and dollar caps.)
Lost Luggage Reimbursement – If your checked or carry-on bag is lost or damaged by a carrier, you may be reimbursed up to the program limit. Good peace of mind for checked-bag travelers.
Rental Car Collision Damage Waiver – Decline the rental company's collision damage waiver and pay with the card; damage or theft of the vehicle is covered up to $50,000 (liability not included). Saves you from buying overpriced counter insurance.
Roadside Dispatch & Travel/Emergency Assistance – Access a pay-per-use roadside hotline and a 24/7 travel help desk to find services in a pinch. Useful when you need a tow, a locksmith, or help while abroad.