Autograph Journey Visa Credit Card
60,000 Wells Fargo Rewards points after you spend $4,000 in 3 months. $95 a year.
- Welcome offer
- Issuer's pagewellsfargo.com
“To qualify for the 60,000 bonus rewards points, a total of at least $4,000 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened.”
- Annual fee
- Issuer's pagewellsfargo.com
“$95 Annual Fee”
- Purchase APR
- Issuer's pagewellsfargo.com
“19.74%, 25.74%, or 28.74% , based on your creditworthiness.”
- Foreign transaction fee
- Issuer's pagewellsfargo.com
“No Foreign Transaction Fee”
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $50 | $50 |
| Typical spender | $915 | $315 |
| Heavy spender | $1,705 | $1,105 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: points valued at an assumed 1¢; welcome bonus needs $4,000 in 3 months.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Worth more to a typical spender than about 80% of the 650 cards we track.
- Lower top APR than about 25% of the 577 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
60,000 points
After you spend $4,000 on purchases in your first 3 months.
Bonus points will show as redeemable within 60 days after they are earned. Cash advances, cash equivalents, balance transfers, disputes, illegal transactions, fees, interest, and gambling transactions do not qualify.
Spending it takes$1,333 a monthfor 3 months
Tracking sinceSep 29, 2026history will chart every change
How you earn · Wells Fargo Rewards®
- 5× pointsHotels
- 4× pointsAirlines
- 3× pointsRestaurants
- 3× pointsOther Travel
- 1× pointsEverything else
Rates and fees
| Annual fee | Issuer's pagewellsfargo.com “$95 Annual Fee” |
|---|---|
| Purchase APR | Issuer's pagewellsfargo.com “19.74%, 25.74%, or 28.74% , based on your creditworthiness.” |
| Balance transfer APR | Issuer's pagewellsfargo.com “19.74%, 25.74%, or 28.74% , based on your creditworthiness.” |
| Balance transfer fee | Issuer's pagewellsfargo.com “Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening.” |
| Cash advance APR | Issuer's pagewellsfargo.com “29.74%” |
| Cash advance fee | Issuer's pagewellsfargo.com “Either $10 or 5% of the amount of each advance, whichever is greater.” |
| Late payment | Issuer's pagewellsfargo.com “Up to $40” |
| Foreign transactions | Issuer's pagewellsfargo.com “No Foreign Transaction Fee” |
| Grace period | Issuer's pagewellsfargo.com “Subject to a $25 deductible.” |
| Minimum interest charge | Issuer's pagewellsfargo.com The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- Annual airline statement credit: $50 annual
- Worldwide automatic common carrier travel accident insurance of up to $1,000,000.
- Lost baggage reimbursement of up to $3,000 per trip.
- Trip cancellation and interruption protection with reimbursement of up to $15,000 for covered reasons.
- Auto Rental Collision Damage Waiver for covered damage or theft when rental-car coverage is declined.
- Travel and Emergency Assistance Services, providing assistance and referral only.
- No foreign transaction fee.
- Roadside Dispatch® available 24/7 for eligible cardholders; no membership required, although service fees may apply.
- Emergency cash disbursement and card replacement within one to three business days after issuer approval, in some cases within 24 hours.
- Zero Liability Protection for promptly reported unauthorized transactions, subject to conditions.
- Cellular Telephone Protection of up to $1,000 per approved claim, subject to a $25 deductible and a maximum of two paid claims per 12-month period.
- My Wells Fargo Deals offers personalized merchant deals with cash back as an account credit; activation is required.
- Autograph Card Exclusives offers access to selected live-event tickets, subject to availability.
- Complimentary 24/7 Visa Signature® Concierge Services.
- Visa Signature® Luxury Hotel Collection benefits at participating properties; reservations must be booked through a Visa Luxury Hotel Collection website or Visa Concierge.
- Credit Close-Up® provides monthly FICO® Score updates and personalized credit insights to eligible Wells Fargo Online® customers.
- Contactless card functionality.
- Travel accident: up to $1,000,000
- Baggage: up to $3,000 per trip
- Trip cancellation: up to $15,000
- Rental car
- Emergency assistance
- Cell phone: $1,000 per approved claim; maximum of two paid claims per 12-month period
- Roadside
Questions
- What is the annual fee?
- $95 wellsfargo.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. wellsfargo.com, since Sep 29, 2026
- What is the purchase APR?
- 19.74–28.74% APR wellsfargo.com, since Sep 29, 2026
- Is there a welcome bonus?
- 60,000 Wells Fargo Rewards points after $4,000 in purchases in 3 months. wellsfargo.com, since Sep 29, 2026
Other points cards with fees up to $100
- Citi Strata Premier - TravelCiti · $95 a year+$155 a year
- Bilt ObsidianBilt · $95 a year+$125 a year
- Bank of America Premium RewardsBank of America · $95 a year+$65 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).