Wells Fargo Autograph℠ vs Wells Fargo Autograph Journey℠
Side-by-side comparison
| Wells Fargo Autograph℠ | Wells Fargo Autograph Journey℠ | |
|---|---|---|
| Annual fee | No annual fee | $95 |
| Welcome offer | 20,000 bonus points ($200 value) | 60,000 bonus points ($600 value) |
| Dining | 3x | 3x |
| Groceries | 1x | 1x |
| Gas | 3x | 1x |
| Travel | 3x | 5x |
| Streaming | 3x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $457 | $424 |
| Points type | Transfers to airlines & hotels | Transfers to airlines & hotels |
| Network | Visa | 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 household spending, the Wells Fargo Autograph℠ earns about $457 a year in rewards and the Wells Fargo Autograph Journey℠ about $424, valuing every point at a flat 1 cent. The Wells Fargo Autograph℠ 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 Wells Fargo Autograph℠ delivers more total value, about $104 a year more for a typical spender, mostly because it earns more where you spend most, on gas and streaming. Both earn transferable points rather than flat cash, so the deciding factor is whose transfer partners reach the airlines and hotels you would actually book. 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 Wells Fargo Autograph℠ if your spending leans toward gas, streaming. Pick the Wells Fargo Autograph Journey℠ if your spending leans toward travel.