Wells Fargo Autograph Journey Visa® Card
Basic Information
Program ID: wells-fargo-one-key-card
Issuer: Wells Fargo
Card Type: Credit
Network: Visa
Card Tier: Premium
Data Complete: Yes
Created: 01/15/2026 16:59
Last Scraped: 01/15/2026 17:01
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| 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: 2,024.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 12 months
Balance Transfer APR: 2,024.00%
Intro BT APR: 0.00%
Intro BT Duration: 12 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $500.00
Spending Requirement: $10,000.00
Time Period: 180 days
Bonus Timing: Typically within 1-2 billing cycles after meeting the spending requirement.
Rewards Program
Reward Type: OneKeyCash
Base Reward Rate: 1.00%
Bonus Reward Rate: 2.00%
Bonus Categories: 2x on eligible Hotels.com, Expedia, and Vrbo purchases through the OneKey platform
Point Value Estimate: 0.0100 cents/point
Expiration Policy: OneKeyCash expires 18 months after the date it was earned if not redeemed.
Transfer Partners: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
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 2026, the Wells Fargo One Key Card is projected to maintain its core bonus eligibility rule: one welcome bonus per specific card product every 15 months. Eligibility requirements typically include being 18 years or older, having a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), being a U.S. resident, and possessing a good to excellent credit score (generally 670+). Additionally, Wells Fargo is expected to continue enforcing application velocity rules, such as allowing no more than one new Wells Fargo credit card application approval within a 6-month period, and potentially no more than two within a 12-month period. Applicants must not have received a welcome offer for this specific card product within the last 15 months.
Maximum Cards Per Issuer: 4
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Wells Fargo accounts, frequent balance transfers without genuine spending, sudden and unusual spending patterns, repeated late payments, defaulting on other Wells Fargo products, or any activity deemed fraudulent or abusive of the card's terms and conditions.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
Strong rewards on Expedia/Hotels.com, no annual fee, flexible redemption options, and valuable cell phone protection.
Top Negative Feedback:
Lower general spending rewards, rewards heavily tied to specific travel partners, and potentially limited appeal for non-Expedia/Hotels.com users.
Approval Experience Score: 82.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Capital One VentureOne Rewards Card
- Citi Double Cash Card
Card Value Score: 80.0 / 100
Est. Annual Rewards: $270.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 30% General / 70% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: February 2024