Wells Fargo Autograph
Wells Fargo
No annual feeWells Fargo RewardsNo foreign feeVisaUsually needs 670+
View issuer offerComparison brief
Wells Fargo Autograph vs. Autograph Journey
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Same Wells Fargo points family, but the $95 fee doesn't simply add travel perks on top of the free card — it trades away several of Autograph's everyday 3x categories to concentrate on dining and travel instead. Both cards earn Wells Fargo points that can transfer to select travel partners, so the split is the category mix, not transfer access.
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Overview
Wells Fargo Autograph Journey
Wells Fargo
$95/yrWells Fargo RewardsNo foreign feeVisaUsually needs 750+
View issuer offerSome links may become affiliate links; today none pay us. Commissions are not solver inputs or ranking criteria; issuer terms, eligibility, channel offers, and your assumptions control the modeled result. Read the affiliate disclosure
Which wins on my spending?
Runs the optimizer on these two cards alone, one card allowed, against your own monthly spending.
Earn rates
Everyday categories
Dining
- Wells Fargo Autograph
- 3x
- Wells Fargo Autograph Journey
- 3x
EV Charging
- Wells Fargo Autograph
- 3xHighest
- Wells Fargo Autograph Journey
- 1x
Flights outside issuer portals
- Wells Fargo Autograph
- 3x
- Wells Fargo Autograph Journey
- 4xHighest
Gas stations (excluding Costco Gas)
- Wells Fargo Autograph
- 3xHighest
- Wells Fargo Autograph Journey
- 1x
Hotels outside issuer portals
- Wells Fargo Autograph
- 3x
- Wells Fargo Autograph Journey
- 5xHighest
Other travel outside issuer portals
- Wells Fargo Autograph
- 3x
- Wells Fargo Autograph Journey
- 3x
Streaming
- Wells Fargo Autograph
- 3xHighest
- Wells Fargo Autograph Journey
- 1x
Tours & Activities (booked direct)
- Wells Fargo Autograph
- 3x
- Wells Fargo Autograph Journey
- 3x
Transit
- Wells Fargo Autograph
- 3xHighest
- Wells Fargo Autograph Journey
- 1x
Travel - Car Rentals / Agencies / Cruises
- Wells Fargo Autograph
- 3x
- Wells Fargo Autograph Journey
- 3x
Wireless / cell phone
- Wells Fargo Autograph
- 3xHighest
- Wells Fargo Autograph Journey
- 1x
Everything else
- Wells Fargo Autograph
- 1x
- Wells Fargo Autograph Journey
- 1x
| Category | Wells Fargo Autograph | Wells Fargo Autograph Journey |
|---|---|---|
| Dining | 3x | 3x |
| EV Charging | 3xHighest | 1x |
| Flights outside issuer portals | 3x | 4xHighest |
| Gas stations (excluding Costco Gas) | 3xHighest | 1x |
| Hotels outside issuer portals | 3x | 5xHighest |
| Other travel outside issuer portals | 3x | 3x |
| Streaming | 3xHighest | 1x |
| Tours & Activities (booked direct) | 3x | 3x |
| Transit | 3xHighest | 1x |
| Travel - Car Rentals / Agencies / Cruises | 3x | 3x |
| Wireless / cell phone | 3xHighest | 1x |
| Everything else | 1x | 1x |
Issuer travel portals 5 categories — only earned when you book through that issuer’s portal
Amex Travel - Car Rentals / Cruises
- Wells Fargo Autograph
- 3x
- Wells Fargo Autograph Journey
- 3x
Amex Travel - Flights
- Wells Fargo Autograph
- 3x
- Wells Fargo Autograph Journey
- 3x
Amex Travel - Hotels
- Wells Fargo Autograph
- 3x
- Wells Fargo Autograph Journey
- 3x
Bilt Travel - Flights
- Wells Fargo Autograph
- 3x
- Wells Fargo Autograph Journey
- 3x
Bilt Travel - Hotels
- Wells Fargo Autograph
- 3x
- Wells Fargo Autograph Journey
- 3x
| Category | Wells Fargo Autograph | Wells Fargo Autograph Journey |
|---|---|---|
| Amex Travel - Car Rentals / Cruises | 3x | 3x |
| Amex Travel - Flights | 3x | 3x |
| Amex Travel - Hotels | 3x | 3x |
| Bilt Travel - Flights | 3x | 3x |
| Bilt Travel - Hotels | 3x | 3x |
Highest marks the highest listed rate, on each card that ties for it; a row where every card ties is not marked. Muted figures are base rates. Listed rates can still be subject to portal, spending-cap, or category-selection rules; review each card's details before deciding.
Credits and benefits
Airline Credit
- Wells Fargo Autograph
- —
- Wells Fargo Autograph Journey
- $50/yr estimated usableEasy to use
Estimated usable credit value
- Wells Fargo Autograph
- —
- Wells Fargo Autograph Journey
- $50/yr
Maximum face value
- Wells Fargo Autograph
- —
- Wells Fargo Autograph Journey
- $50/yr
| Credit | Wells Fargo Autograph | Wells Fargo Autograph Journey |
|---|---|---|
| Airline Credit | — | $50/yr estimated usable Easy to use |
| Estimated usable credit value | — | $50/yr |
| Maximum face value | — | $50/yr |
Estimated usable value applies the same conservative assumptions used by the optimizer. Maximum face value assumes every listed credit is used in full.
Find your modeled setup
The optimizer searches eligible portfolios against your stated spending—not just two cards at a time—and reports whether the result was proven within the selected catalog and run inputs.
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