Bank of America Business Advantage Unlimited Cash Rewards vs Wells Fargo Autograph Journey℠
Side-by-side comparison
| Bank of America Business Advantage Unlimited Cash Rewards | Wells Fargo Autograph Journey℠ | |
|---|---|---|
| Annual fee | No annual fee | $95 |
| Welcome offer | $300 statement credit | 60,000 bonus points ($600 value) |
| Advertising | 1.5% | 1% |
| Shipping | 1.5% | 1% |
| Office supplies | 1.5% | 1% |
| Phone & internet | 1.5% | 1% |
| Travel | 1.5% | 5% |
| Everything else | 1.5% | 1% |
| Est. yearly rewards* | $675 | $690 |
| Points type | Cash back only | Transfers to airlines & hotels |
| Network | Mastercard | 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 Bank of America Business Advantage Unlimited Cash Rewards earns about $675 a year in rewards and the Wells Fargo Autograph Journey℠ about $690, valuing every point at a flat 1 cent. The Bank of America Business Advantage Unlimited Cash Rewards has no annual fee, so its rewards are all profit. The Wells Fargo Autograph Journey℠ charges $95, but carries about $50 in annual statement credits that offset it for anyone who uses them. Counting rewards, fees, and any credits, the Bank of America Business Advantage Unlimited Cash Rewards delivers more total value, about $55 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and advertising. The bigger difference is the ceiling: the Wells Fargo Autograph Journey℠ earns points you can move to travel partners for outsized value, while the Bank of America Business Advantage Unlimited Cash Rewards pays plain cash back. Favor the Wells Fargo Autograph Journey℠ if you will use travel transfers, the Bank of America Business Advantage Unlimited Cash Rewards if you want simplicity. On the sign-up bonus, the Wells Fargo Autograph Journey℠ currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Bank of America Business Advantage Unlimited Cash Rewards if your spending leans toward advertising, shipping, office supplies. Pick the Wells Fargo Autograph Journey℠ if your spending leans toward travel.