5x hotels, 4x airlines, 3x restaurants & other travel, 1x elsewhere — plus 60,000 bonus points after $4,000 in purchases in the first 3 months; public offer checked November 1, 2026.
Issuer review required; no guaranteed score cutoff
Sign-Up Bonus
60,000 bonus points after $4,000 in purchases in the first 3 months; public offer checked November 1, 2026
$
Rates & Fees
Annual Fee
$95
Purchase APR
19.74%–28.74% variable
Foreign Transaction Fee
None
Balance Transfer Fee
Intro $5 or 3% (whichever is greater) for 120 days from account opening, then up to 5% ($5 minimum)
Cash Advance Fee
Either $10 or 5% of each advance, whichever is greater
Late Payment Fee
Up to $40
✦
Estimate Your Rewards
See how this card fits your monthly spending
Enter your typical monthly spend by category to see roughly what the Wells Fargo Autograph Journey℠ Card would earn you per year (this doesn't include any one-time sign-up bonus).
Assumes steady monthly spending at eligible merchants. Portal-only, selected and rotating bonuses are excluded unless explicitly modeled. Statement credits and welcome bonuses are excluded. Points use an assumed value of 1¢ each; actual redemption value varies.
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$3,000/mo
Note: Hotels earn 5x and airlines 4x; the estimator's single travel category uses the 3x other-travel rate. Wells Fargo's page values the 60,000-point bonus at $600 (1 cent per point).
Est. Annual Rewards
$342/yr
After $95 Annual Fee
$247/yr
Based On
$1,950/mo
Key Features
✓
$50 annual statement credit with a minimum $50 airline purchase
✓
5x points with hotels and 4x with airlines
✓
No foreign transaction fees
Pros & Cons
✓ Pros
Bonus rates apply to hotels and airlines generally, not one brand
$50 airline credit trims the effective $95 fee
No foreign transaction fees
– Tradeoffs
$95 annual fee
1x on non-bonus purchases
The displayed score is an estimate, not a Wells Fargo cutoff
How to Apply
1
Check Wells Fargo's eligibility information and any prequalification option. A credit score alone does not establish approval; income, debt and credit history also matter.
2
Gather your Social Security number, annual income, housing payment, and employer details before starting the application.
3
Apply directly through Wells Fargo's official site or app to make sure you're getting current, accurate offer terms.
4
Most issuers give an instant decision online; some applications are sent to manual review, which can take 7–10 business days.
5
If approved, activate the card and set up autopay before your first statement is due to avoid a late payment.
10x hotels & rental cars, 5x flights via Capital One Travel, 2x everything else
Rates, fees, and rewards shown are illustrative as of 2026 and subject to change — always confirm current terms directly with the issuer before applying.