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Wells Fargo credit card

Autograph Journey Visa Credit Card

$95 a year. 60,000 Wells Fargo Rewards points after you spend $4,000 in 3 months. Purchase APR 19.74–28.74%, variable. No foreign transaction fees.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

Wells Fargo’s terms

Welcome offer

60,000 points

After you spend $4,000 on purchases in your first 3 months.

Spending it takes
$1,333 a month
for 3 months
Tracking since
Sep 29, 2026
history will chart every change

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.

Who can get it: If you’ve had this bonus in the last 48 months (4 years), you can’t get it again yet.

“You may not be eligible for introductory annual percentage rates, fees and/or rewards bonus offers if you have the card product you are applying for or opened one within the last 48 months from the date of the application – even if that account is closed and has a $0 balance.”

The issuer’s terms, from its page, as of Oct 7, 2026. Check which bonuses you can get

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$50$50
Typical spender$915$315
Heavy spender$1,705$1,105
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

Assumed: points valued at an assumed 1¢; welcome bonus needs $4,000 in 3 months.

$50a year

The same in the first year and after.

Rewards and credits$145

You keep $50−$95 annual fee

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 1¢; welcome bonus needs $4,000 in 3 months.

$315a year

$915 the first year, with the welcome bonus.

Rewards and credits$410

You keep $315−$95 annual fee

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at an assumed 1¢.

$1,105a year

$1,705 the first year, with the welcome bonus.

Rewards and credits$1,200

You keep $1,105−$95 annual fee

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: points valued at an assumed 1¢.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

Worth more to a typical spender than about 75% of the 732 cards we track.

  • Lower annual fee than about 25% of the 171 cards on our Sign-up bonuses list (see the list).

Other points cards with fees up to $100

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Wells Fargo Rewards®

How you earn

5×
5X points with hotels; five rewards points (1 base point plus 4 bonus points) are earned per $1 spent on net purchases at hotels.
4×
4X points with airlines; four points (1 base point plus 3 bonus points) for every $1 spent on net purchases made with airlines and air carriers.
3×
3X points on restaurants; three points (1 base point plus 2 bonus points) are earned per $1 spent at restaurants and other specified dining merchants.3X points on other travel; three points (1 base point plus 2 bonus points) are earned per $1 spent on other travel, including vehicle/auto rental, cruise lines, travel agencies, discount travel sites, timeshares and campgrounds.
1×
Everything else

Points per dollar. “What it’s worth” values a point at an assumed 1¢.

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.
All 24 benefits
  • 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

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Balance transfer APR
Balance transfer fee
Cash advance APR
Cash advance fee
Late payment
Foreign transactions
Grace period
Minimum interest charge

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
  3. The bonus: If you’ve had this bonus in the last 48 months (4 years), you can’t get it again yet.

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
See it on wellsfargo.com

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