19
Benefits4
Reward Categories5x
Max Reward21.2%
APR FromBasic Information
PENDINGRewards Program (Detailed) 4 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Hotels & Flights (Bilt Travel Portal) | 5x | Points | Earn unlimited 5x points on hotels and flights booked through the Bilt Travel Portal | No Cap | |
| Other Travel | 4x | Points | Earn unlimited 4x points on other travel | No Cap | |
| Dining | 3x | Points | Earn unlimited 3x points on dining | No Cap | |
| All Other Purchases | 1x | Points | Earn unlimited 1x points on other purchases | No Cap |
Rewards Summary
PENDINGReward Type: Points
Base Rate: 1x
Bonus Rate: 5x
Categories: 5x Hotels, 4x Airlines, 3x Other Travel, 3x Dining
Quarterly Rotating: No
Cap Amount: $0.00
Expiration Policy: Points do not expire as long as account is active
Point Value: 0.02¢
Travel Portal Multiplier: 1x
Transfer Partners: Choice Privileges, Avianca LifeMiles, British Airways Executive Club, KLM/Air France Flying Blue, Aer Lingus AerClub, Iberia Plus, Virgin Atlantic Flying Club
Redemption Penalties: None
Benefits & Protections (Detailed) 19 Total
PENDINGCard Network Benefits 1
Visa Signature Benefits
Access to Visa Signature perksAccess a collection of premium benefits and services from Visa, including special offers on travel, dining, and entertainment.
Digital Features 2
Digital Wallet Compatibility
Compatible with digital walletsEasily add your card to digital wallets for secure and convenient payments.
Online Account Access
Online and mobile account managementManage your account, view statements, and make payments online or through the Wells Fargo Mobile® app.
Lifestyle 1
Concierge Services
Personalized assistancePersonalized assistance for travel planning, dining reservations, event tickets, and more.
Purchase Protection 1
Cell Phone Protection
Up to $1,000 per claimUp to $1,000 in coverage for your cell phone against damage or theft when you pay your monthly cell phone bill with your eligible card. (Subject to a $25 deductible per claim, maximum of 2 claims per 12-month period).
Rewards 4
5x Points on Hotels & Rental Cars via Travel Portal
5x pointsEarn unlimited 5x points on hotels and rental cars when booked through the Wells Fargo Travel portal.
4x Points on Airline Tickets via Travel Portal
4x pointsEarn unlimited 4x points on airline tickets when booked through the Wells Fargo Travel portal.
3x Points on Other Travel Purchases
3x pointsEarn unlimited 3x points on other travel purchases.
1x Points on All Other Purchases
1x pointsEarn unlimited 1x points on all other purchases.
Rewards Redemption 1
Flexible Points Redemption Options
Multiple redemption optionsRedeem points for travel, gift cards, statement credits, or transfer to participating airline and hotel loyalty programs.
Security 2
Zero Liability Protection
No liability for unauthorized transactionsYou are not held responsible for unauthorized transactions when reported promptly.
Account Alerts
Customizable account activity alertsCustomizable alerts to stay informed about account activity, purchases, and payments.
Travel Assistance 2
Travel and Emergency Assistance Services
Emergency assistance while travelingAccess help with medical referrals, legal referrals, emergency transportation, and more when traveling. (Cardholders are responsible for the cost of any goods or services received.)
Roadside Dispatch
24/7 roadside assistanceGet 24/7 assistance for services like towing, tire changing, and jump starting. (Cardholders are responsible for the cost of any goods or services received.)
Travel Credit 1
Annual Airline Incidental Fee Credit
Up to $50 annuallyReceive up to $50 in statement credits annually for airline incidental fees such as checked bags, in-flight refreshments, and more.
Travel Fees 1
No Foreign Transaction Fees
0% foreign transaction feesPay no foreign transaction fees on purchases made outside the U.S.
Travel Insurance 3
Lost Luggage Reimbursement
Reimbursement for lost/stolen luggage contentsReimbursement for the actual cost of replacing contents of checked or carry-on luggage that is lost or stolen.
Trip Cancellation and Interruption Insurance
Reimbursement for non-refundable faresReimbursement for non-refundable passenger fares if your trip is canceled or interrupted for a covered reason.
Auto Rental Collision Damage Waiver
Collision/theft coverage for rental carsProvides coverage for damage due to collision or theft to most rental vehicles when you pay with your eligible card and decline the rental company's collision damage waiver.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Global Entry Credit: $100
TSA PreCheck Credit: $100
Sign-Up Bonus
PENDING60,000
Points/MilesRequirement: Spend $5,000 in 90 days
Timing: Bonus points are typically posted to your account within 1-2 billing cycles (approximately 4-8 weeks) after meeting the spending requirement.
Fee Structure
PENDING| Annual Fee: | $95.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $45.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.30% |
| Min Interest Charge: | $1.00 |
Additional Fees
PENDING| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 3% of the amount of each balance transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 21.24% - 29.24%
Balance Transfer APR: 21.24%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 12 months
Intro BT APR: 0% for 12 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: For the Wells Fargo Autograph Journey Card in 2026, eligibility generally requires applicants to be 18 years or older, a U.S. resident, and possess good to excellent credit. Wells Fargo typically enforces an application velocity rule, often referred to as the '1/6 rule,' meaning applicants can only be approved for one new Wells Fargo credit card every six months. Regarding welcome bonuses, the known rule 'One bonus per 15 months per card' applies. This means you are eligible for a welcome bonus on the Autograph Journey card only if you have not received a welcome bonus for *this specific card product* within the past 15 months.
Max Cards Per Issuer: 5
Min Spend Interval: 3 months
Cliff Effect Rules: The primary 'cliff effect' for Wells Fargo bonuses is the 'one bonus per 15 months per card product' rule. This means eligibility for a bonus is tied to the specific card product, not the entire Wells Fargo portfolio. However, the '1/6 rule' for new applications acts as a broader cliff, limiting how quickly one can acquire new Wells Fargo cards regardless of bonus eligibility.
Special Events: N/A
Holiday Promos: N/A
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.8 / 5.0
Top Positive:
Generous sign-up bonus, flexible points redemption for travel, competitive earning rates on travel and dining, points transfer options.
Top Negative:
Annual fee may be high for some, limited initial transfer partners compared to established cards, requires good credit for approval.
Approval Experience: 80.0 / 100
Recommended Alternatives
- Chase Sapphire Preferred Card
- Capital One Venture X Rewards Credit Card
- Wells Fargo Autograph Card
Card Value Score: 78.0 / 100
Est. Annual Rewards: $203.00
Approval Probability: 80.0%
Version Control
PENDINGVersion ID: v1.0