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$95 Annual Fee
Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months.
Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months.
Daily Drop credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
The Wells Fargo Autograph Journey card is a strong choice if you want to rack up points without overthinking your purchases. With bonus categories like airfare, hotels, and dining, you can earn rewards pretty much anywhere. You can also transfer points to growing number of Wells Fargo’s travel partners (something we love to see!). If you want solid earning power and easy redemptions without juggling a million bonus categories, this card is worth a look.
[.redeem] 5x [.redeem] points per $1 with hotels
[.redeem] 4x [.redeem] points per $1 with airlines
[.redeem] 3x [.redeem] points per $1 on restaurants and other travel
[.redeem] 1x [.redeem] points per $1 on other purchases
Daily Drop credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months.
While this card doesn't get as much fanfare as some others in the biz, it's a solid choice for beginners who want an easy-to-use card with a low annual fee. With strong earning across all travel categories, and a growing number of transfer partners, this card is worth a look if you don't want to get too complicated.
Plus, the cell phone protection up to $1,000 (after a $25 deductible) is an uncommon yet underrated benefit. It's one of those things that you hope to never use, but if you do, you'll be very glad you have it.
[.pro]Transfer partners give your points more value [.pro]
[.pro]Good bonus categories for frequent flyers [.pro]
[.pro] Strong welcome offer for a mid-tier card [.pro]
[.con]No lounge access or luxury perks [.con]
[.con]Still a newer program with fewer transfer options than others[.con]
[.redeem] 5x [.redeem] points per $1 with hotels
[.redeem] 4x [.redeem] points per $1 with airlines
[.redeem] 3x [.redeem] points per $1 on restaurants and other travel
[.redeem] 1x [.redeem] points per $1 on other purchases
[.dontreco] We don't recommend: redeeming rewards for statement credits or gift cards [.dontreco]
While you can technically get statement credits or purchase gift cards with points, these options don't offer great value for your hard-earned points.
[.alwaysreco] We always recommend: transferring to travel partners [.alwaysreco]
Transferring to Wells Fargo's airline and hotel partners is the best way to get the most value out of your points.
Wells Fargo has a small but growing number of travel partners:
The Chase Sapphire Preferred is an excellent complement to the Autograph Journey card. With these two cards in tandem, you'll get access to a greater pool of transfer partners and access double the benefits. For cell phone protection, you've got the Autograph Journey. For great travel insurance, you've got the Preferred.
You'll also be able to combine rewards on the partners that both programs have, by transferring points from both programs to that airline and booking there.
The Autograph Journey is a good card for a beginner who wants to get their feet wet in the world of points and miles with access to Wells Fargo's transfer partners. Folks who are concerned about having cell phone insurance will be happy about the $1,000 coverage (subject to $25 deductible) when you pay for your phone plan with your eligible card.
If you're looking to get a ton of points through a welcome offer, the Autograph Journey might not be the right fit.
You'll also want to take a look at Wells Fargo's transfer partners, as they don't have as many as other banks. You don't want to accumulate a ton of points, only to realize they don't transfer to the program you need to book on!
And as always, you probably shouldn’t own a credit card if you: (1) have a bad credit score, (2) are a non-U.S. resident (for this particular card), and (3) cannot control your spending.
If your credit score is low, you'll need to improve it before applying for travel credit cards, as approval for the best ones is unlikely. Be honest with yourself: if a new credit card will tempt you to overspend, it's best to avoid it. Credit cards are crucial for earning miles and points, but they require responsible use.
The recommended credit for this card is good to excellent.
