Wells Fargo Autograph Journey Card
Basic Information
Program ID: wells-fargo-autograph-journey-card
Issuer: Wells Fargo
Card Type: Credit
Network: Visa
Card Tier: Premium
Data Complete: Yes
Created: 01/15/2026 16:52
Last Scraped: 01/15/2026 16:54
Fee Structure
| Annual Fee: | $95.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $45.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| 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
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 12 months
Balance Transfer APR: 2,924.00%
Intro BT APR: 0.00%
Intro BT Duration: 12 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $60,000.00
Spending Requirement: $4,000.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Hotels, 4x Airlines, 3x Other Travel
Point Value Estimate: 0.0200 cents/point
Expiration Policy: Points do not expire as long as the account is active.
Transfer Partners: Avianca LifeMiles, British Airways Executive Club, Air France-KLM Flying Blue, Choice Privileges
Card Benefits
Protection Benefits
- Cell Phone Protection
Travel Benefits
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $100.00
- TSA PreCheck Credit: $100.00
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: For the Wells Fargo Autograph Journey Card in 2026, eligibility for the sign-up bonus is restricted to one bonus per specific card every 15 months. This means if you've received a bonus for the Autograph Journey card within the last 15 months, you are ineligible for a new bonus on the same card. General application eligibility requires good to excellent credit (typically 700+ FICO score). Wells Fargo also enforces strict application velocity rules, commonly including: no more than one new Wells Fargo credit card application in the past 6 months (1/6 rule), and potentially no more than one new Wells Fargo credit card application in the past 15 months (1/15 rule) for premium products. Applicants should also demonstrate a responsible credit history and not have an excessive number of recently opened accounts across all issuers. An existing banking relationship with Wells Fargo may be beneficial but is not strictly required for approval.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (MS), excessive credit limit requests, rapid application for multiple Wells Fargo cards, unusual spending patterns inconsistent with income, frequent balance transfers without genuine spending, abuse of return policies, or opening and closing accounts too quickly (churning).
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.0 / 5.0
Top Positive Feedback:
Strong travel rewards, especially for portal bookings; valuable sign-up bonus; no foreign transaction fees; flexible redemption options.
Top Negative Feedback:
Annual fee may not be justified for infrequent travelers; limited premium perks compared to higher-tier competitors; redemption value can vary.
Approval Experience Score: 80.0 / 100
Recommended Alternatives
- Chase Sapphire Preferred Card
- Capital One Venture X Rewards Credit Card
- Citi Premier Card
Card Value Score: 78.0 / 100
Est. Annual Rewards: $405.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 72 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0