Wells Fargo Autograph Journey Card
The Wells Fargo Autograph Journey Card has a $95 annual fee and no foreign transaction fee, and it earns 5 points per $1 with hotels, 4 with airlines, 3 at restaurants and on other travel, and 1 on other purchases 21. It adds a $50 annual airline statement credit, and its Guide to Benefits lists trip cancellation and interruption protection, lost baggage reimbursement, travel accident insurance and cell phone protection of up to $1,000 per claim 23.
Contents12 sections
At a glance
| Annual fee | $952 |
|---|---|
| Foreign transaction fee | None2 |
| Rewards | Earns 5X points with hotels, 4X with airlines, 3X on restaurants and other travel, and 1X on other purchases, with no stated earning cap. |
| Rewards program | Wells Fargo Rewards |
| Network | Visa Signature |
| Issuer | Wells Fargo · Official card page |
What to know about the Autograph Journey
The hotel, airline, restaurant and other-travel bonuses are each based on the merchant category code of the business that charges the card 21. The $50 airline credit posts once a year after the first airline purchase of at least $50 at a merchant coded as an airline or air carrier; charter and private jet flights do not count 2. It is available from account opening in the first year, and after that the 12-month credit period begins on the first day of the month after the annual fee is assessed 1.
The travel insurance applies only when the whole fare or trip cost goes on the card or its rewards program 3. Trip cancellation and interruption reimburses nonrefundable prepaid costs for covered reasons, up to $15,000 per covered traveler per trip and $20,000 per account in a 12-month period, for trips of up to 60 days 3. Lost baggage reimbursement covers bags lost through theft or misdirection by the carrier, up to $3,000 for all travelers per trip, and the guide defines a covered trip as lasting at least 5 and no more than 60 consecutive days 3. Both are secondary to reimbursement from other sources 3. Common carrier travel accident insurance pays up to $1,000,000 per account 3.
Phone protection rises to $1,000 a claim on this card, with a $25 deductible and a limit of 2 paid claims and $2,000 per 12 months, and only while the monthly wireless bill is paid with the card 3. The rental car damage waiver covers up to $50,000, secondary in the United States and primary abroad 3.
Points do not expire while the account is open and can be transferred online to participating travel loyalty programs, 1 point to 1 partner mile, point or credit unless stated otherwise; the product page says transfers are final 21.
Earning rewards
| Rate | On |
|---|---|
| 5x points per $1 | Hotels (merchant category hotel/motel)1 base point plus 4 bonus points; based on merchant category code2 |
| 4x points per $1 | Airlines and air carriers1 base point plus 3 bonus points; based on merchant category code2 |
| 3x points per $1 | Restaurants (eating places and restaurants, drinking places, fast food restaurants, caterers)1 base plus 2 bonus points; bakeries, grocery stores and third-party delivery services may not earn bonus points1 |
| 3x points per $1 | Other travel (timeshare, vehicle/auto rental, cruise lines, travel agencies, discount travel sites, campgrounds)1 base plus 2 bonus points; based on merchant category code1 |
| 1x points per $1 | Other net purchases2 |
Points do not expire while the account is open. Points can be redeemed for cash redemption, gift cards, travel, charitable donations, Pay with Rewards, or transferred online to participating travel loyalty programs at 1 Wells Fargo Rewards point to 1 partner mile/point/credit unless stated otherwise.2
Travel insurance and assistance
| Rental car coverage | Auto Rental Collision Damage Waiver: up to $50,000 for damage or theft of the rental car. Secondary in the United States; primary outside the United States. Must pay the entire rental with the card and decline the rental company's collision loss/damage insurance. Rentals up to 15 consecutive days in the U.S. and 31 consecutive days outside the U.S.; not available in Israel, Jamaica, the Republic of Ireland or Northern Ireland.3 |
|---|---|
| Trip cancellation and interruption | Trip Cancellation and Interruption Protection: reimbursement of nonrefundable prepaid trip expenses if a trip is cancelled or interrupted for a covered reason, up to $15,000 per covered traveler per trip and $20,000 per 12-month period per account. Secondary coverage. Entire trip cost must be paid with the card and/or its rewards program.31 |
| Lost or damaged luggage | Lost Baggage Reimbursement: up to $3,000 in total for all covered travelers per trip (New York residents: $2,000 per bag, $3,000 per trip) when checked or carry-on baggage is lost due to theft or misdirection by the common carrier. Secondary coverage. Entire common carrier fare must be paid with the card and/or its rewards program.3 |
| Travel accident insurance | Worldwide Automatic Common Carrier Travel Accident Insurance: up to $1,000,000 per account for covered accidental loss of life, foot, hand, sight (including sight of one eye), hearing, speech, or thumb and index finger while on a trip on a common carrier whose entire fare was paid with the card and/or its rewards program. Loss must occur within one year after the accident.3 |
| Travel and emergency assistance | Travel and Emergency Assistance Services: 24/7 referral and assistance (medical and legal referral, emergency transportation, ticket replacement, lost luggage locator, translation, prescription assistance, pre-trip information). Assistance and referral only; the cardholder pays for any services or goods.3 |
| Roadside assistance | Roadside Dispatch: pay-per-use roadside assistance (towing up to 5 miles included in the service call, tire change, jump start, lockout, fuel delivery up to 5 gallons plus fuel cost, winching) at a pre-negotiated price per service call. Costs are paid by the cardholder; no membership or enrollment required.3 |
Purchase and phone protection
| Cell phone protection | Up to $1,000 per claim for damage, theft or involuntary and accidental parting of a cell phone; maximum 2 paid claims and $2,000 per 12-month period; $25 deductible per claim. Must pay the monthly wireless bill with the card. Lost (mysteriously disappeared) phones, cracked screens/cosmetic damage not affecting function are not covered. Coverage is supplemental to and excess of valid and collectible insurance or indemnity.3 |
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Travel perks
| Hotel benefits program | Visa Signature Luxury Hotel Collection: when booked through the Visa Luxury Hotel Collection site or Visa Concierge, benefits such as best available rate guarantee, room upgrade on arrival when available, complimentary Wi-Fi when available, breakfast for two, a $25 food or beverage credit, VIP guest status and late check-out on request when available.3 |
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Account features
| Zero fraud liability | Zero Liability Protection: not held responsible for promptly reported unauthorized transactions, subject to certain conditions.1 |
|---|---|
| Free credit score | Credit Close-Up: monthly FICO Score updates and personalized credit insights, complimentary to Wells Fargo Online customers who enroll.1 |
Statement credits
| Annual airline statement credit | $50 once each year (12-month annual airline credit period). One-time $50 statement credit each year when the card is used for the first airline purchase of at least $50 (merchant category airlines and air carriers; charter and private jet flights excluded). First year available at account opening; afterwards the 12-month period begins the first day of the month after the annual fee is assessed.21 |
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Other perks
| Points transfer to travel loyalty programs | Wells Fargo Rewards points can be transferred online to participating travel loyalty programs; 1 Wells Fargo Rewards point equals 1 partner mile, point or credit unless stated otherwise. Transfers are final.21 |
|---|---|
| Visa Signature Concierge Services | Complimentary 24/7 Visa Signature Concierge for booking travel, event tickets, dinner reservations and more; cardholder pays for any goods or services arranged.3 |
| Emergency Cash Disbursement and Card Replacement | Emergency cash advance or card replacement within one to three business days (in some cases within 24 hours) after issuer approval, via Visa Global Customer Care Services; cash advance fees and interest apply.3 |
| My Wells Fargo Deals | Activate personalized merchant deals and earn cash back as an account credit when paying with an eligible Wells Fargo credit card; credit appears within 60 days of the qualifying transaction.1 |
| Autograph Card Exclusives | Access to tickets to live events for Wells Fargo Autograph-branded cardholders; limited availability, first come first served; transportation and accommodation not included.1 |
Not listed for this card
The Wells Fargo pages and benefit terms we checked for the Autograph Journey do not list these benefits:
- Trip delay
- Baggage delay
- Emergency evacuation and medical
- Purchase protection
- Extended warranty
- Return protection
- Airport lounge access
- Global Entry or TSA PreCheck credit
Some benefits come from the card network rather than the bank and are not always advertised. Your own Guide to Benefits, or the number on the back of the card, is the final word on what your account covers.
Sources
- 1 Wells Fargo, Wells Fargo Autograph Journey Card product page Checked Oct 10, 2026 · Back to text ↑
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