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Offer verified September 14, 2026Source: Wells Fargo official terms

Wells Fargo · Visa

Wells Fargo Autograph Journey℠

Annual Fee

$95

up to $50/yr in credits if you use them

Sign-Up Bonus

$900

Current offer shown; issuer determines eligibility.

Spend $4,000 in 3mo

Terms apply.

Base Rate

1x

on everything

Best For

Hotel and airline spenders who want flexible transfer partners at $95

Sign-Up Bonus

Bonus: 60,000 points

Requirement: Spend $4,000 in 3 months

Estimated value: $900Terms apply. Current offer shown; issuer determines eligibility.

Reward Categories

Hotels

Hotels

5x
Flights

Airlines

4x
Dining

Restaurants

3x
Travel

Other travel — car rentals, cruises, rail, tours

3x
Everything else1x

Point value: ~1.5¢ each

Key Benefits

Credits — if you use them

$50 Annual Airline Fee Credit(~$50/yr)

Perks (not counted in our math)

No Foreign Transaction Fees
Cell Phone Protection

Pros & Cons

Pros

  • + 5x on hotels + 4x on airlines — best direct travel earn rate at $95
  • + Transfer to Air France, British Airways, Singapore + more
  • + If you naturally use the $50 airline credit, it can offset $50 of the $95 annual fee
  • + Underrated alternative to Chase/Amex for travel spenders

Cons

  • - Points worth 1¢ base — need transfer partners for full value
  • - Fewer known redemption sweet spots vs Chase/Amex
  • - Wells Fargo transfer program newer and less established
  • - No lounge access

Transfer Partners

Points transfer to 10 airline and hotel partners — often where the highest redemption values live.

Aer Lingus AviosAir France/KLM Flying BlueAvianca LifeMilesBritish Airways AviosCathay Pacific Asia MilesIberia AviosJetBlue TrueBlueVirgin Atlantic (via Virgin Red)Choice PrivilegesWyndham Rewards

Rates and fees may vary.See current rates, fees, and terms on Wells Fargo's site

Apply on issuer site — Wells Fargo Autograph Journey℠

Recommended credit score: 700+

Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure

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Written by Tim · Data verified against issuer terms · Last checked Sep 14, 2026 · Methodology v2026.09.1

Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.