Amex Graphite Business Cash Unlimited Card vs Wells Fargo Autograph Journey℠
Side-by-side comparison
| Amex Graphite Business Cash Unlimited Card | Wells Fargo Autograph Journey℠ | |
|---|---|---|
| Annual fee | $295 | $95 |
| Welcome offer | $1,500 cash back | 60,000 bonus points ($600 value) |
| Advertising | 2% | 1% |
| Shipping | 2% | 1% |
| Office supplies | 2% | 1% |
| Phone & internet | 2% | 1% |
| Travel | 2% | 5% |
| Everything else | 2% | 1% |
| Est. yearly rewards* | $900 | $690 |
| Points type | Cash back only | Transfers to airlines & hotels |
| Network | Amex | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of business spending, the Amex Graphite Business Cash Unlimited Card earns about $900 a year in rewards and the Wells Fargo Autograph Journey℠ about $690, valuing every point at a flat 1 cent. The Amex Graphite Business Cash Unlimited Card charges $295, which you clear through its rewards and perks. The Wells Fargo Autograph Journey℠ charges $95, but carries about $50 in annual statement credits that offset it for anyone who uses them. The two are close on value, but the Wells Fargo Autograph Journey℠ edges ahead by about $15 a year, mostly because it earns more where you spend most, on travel. The bigger difference is the ceiling: the Wells Fargo Autograph Journey℠ earns points you can move to travel partners for outsized value, while the Amex Graphite Business Cash Unlimited Card pays plain cash back. Favor the Wells Fargo Autograph Journey℠ if you will use travel transfers, the Amex Graphite Business Cash Unlimited Card if you want simplicity. On the sign-up bonus, the Amex Graphite Business Cash Unlimited Card currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Amex Graphite Business Cash Unlimited Card if your spending leans toward advertising, shipping, office supplies. Pick the Wells Fargo Autograph Journey℠ if your spending leans toward travel.