Who it's for
Premium travelFree hotel nightsMore rewards dining out
Wells Fargo Autograph Journey
Strong hotel/airline multipliers and solid transfer partner access for a $95 fee. Best for users who book travel direct rather than through portals.
$1,184/yrest. value at typical spending
$95annual fee
$50yearly credits
$45fee after credits
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| Category | Rate | Typical spend |
|---|---|---|
| Dining | 3x | $400/mo |
| Groceries | 1x | $600/mo |
| Flights & hotels | 5x | $300/mo |
| Rent | 1x | $2,500/mo |
| Gas & transit | 1x | $150/mo |
| Streaming | 1x | $80/mo |
| Online shopping | 1x | $200/mo |
| Everything else | 1x | $600/mo |
Rates are what our model counts per dollar. Brand-specific bonuses (like a hotel card at its own hotels) are blended, since most people don't put all category spending with one brand. Typical spending here means our quiz defaults: $4,830 a month, including $2,500 rent or mortgage. Points are valued at 1.5¢ each (travel portal redemption); transferring to airline or hotel partners can be worth more.
Rewards and perks
Points, 9 transfer partners
- 5x points on hotels booked direct
- 4x on airlines booked direct
- 3x on dining at restaurants
- 3x on other travel and transit
- 1x on everything else
- $50 annual airline fee credit
- Access to Wells Fargo Rewards transfer partners (smaller list than Chase/Amex but includes Flying Blue and Turkish)
- No foreign transaction fees
- Trip cancellation/interruption protection
Transfer partners
Air France-KLM Flying BlueAvianca LifeMilesBritish Airways AviosTurkish Miles&SmilesIberia PlusSingapore KrisFlyerAer Lingus AerClubTAP Air PortugalChoice Privileges
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- IHG One Rewards Premier$150 annual fee$1,738est. value/yr
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