Is the Wells Fargo Autograph Journey Visa Credit Card worth the higher annual fee?

The Wells Fargo Autograph Journey Visa Credit Card costs $95/yr vs $0/yr for the Hilton Honors. The higher fee that can offset the cost for frequent travelers.

Which card earns more rewards, the Hilton Honors or Wells Fargo Autograph Journey Visa Credit Card?

The Hilton Honors has a higher base earn rate (3X vs 1X), but both cards have different bonus categories where they excel.

Should I get the Hilton Honors or the Wells Fargo Autograph Journey Visa Credit Card?

Choose the Hilton Honors if you want lower fees and solid rewards. Pick the Wells Fargo Autograph Journey Visa Credit Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Is the Wells Fargo Autograph Journey Visa Credit Card worth the higher annual fee?

The Wells Fargo Autograph Journey Visa Credit Card costs $95/yr vs $0/yr for the Hilton Honors. The higher fee that can offset the cost for frequent travelers.

Which card earns more rewards, the Hilton Honors or Wells Fargo Autograph Journey Visa Credit Card?

The Hilton Honors has a higher base earn rate (3X vs 1X), but both cards have different bonus categories where they excel.

Should I get the Hilton Honors or the Wells Fargo Autograph Journey Visa Credit Card?

Choose the Hilton Honors if you want lower fees and solid rewards. Pick the Wells Fargo Autograph Journey Visa Credit Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Is the Wells Fargo Autograph Journey Visa Credit Card worth the higher annual fee?

The Wells Fargo Autograph Journey Visa Credit Card costs $95/yr vs $0/yr for the Hilton Honors. The higher fee that can offset the cost for frequent travelers.

Which card earns more rewards, the Hilton Honors or Wells Fargo Autograph Journey Visa Credit Card?

The Hilton Honors has a higher base earn rate (3X vs 1X), but both cards have different bonus categories where they excel.

Should I get the Hilton Honors or the Wells Fargo Autograph Journey Visa Credit Card?

Choose the Hilton Honors if you want lower fees and solid rewards. Pick the Wells Fargo Autograph Journey Visa Credit Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

CardRewards

Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: June 2026.

Hilton Honors vs Wells Fargo Autograph Journey Visa Credit Card

The Hilton Honors ($0/yr) is better for everyday value, while the Wells Fargo Autograph Journey Visa Credit Card ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

Hilton Honors

American Express

Wells Fargo Autograph Journey Visa Credit Card

Wells Fargo

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

80,000 points

60,000 Flex point

Earn Rates

Category	Hilton Honors	Wells Fargo Autograph Journey Visa Credit Card
Hilton Hotels Resorts	7X	1X

Category-by-Category Winner

The Hilton Honors wins in 5 of 8 categories. The Wells Fargo Autograph Journey Visa Credit Card leads in 3.

Hilton Hotels Resorts

Hilton Honors earns 7X vs 1X

Dining

Hilton Honors earns 5X vs 3X

Gas Stations

Hilton Honors earns 5X vs 3X

Grocery Stores

Hilton Honors earns 5X vs 1X

Hotels

Wells Fargo Autograph Journey Visa Credit Card earns 5X vs 3X

Airlines

Wells Fargo Autograph Journey Visa Credit Card earns 4X vs 3X

Flights

Wells Fargo Autograph Journey Visa Credit Card earns 4X vs 3X

Everyday purchases

Hilton Honors earns 3X on all other spending vs 1X

Is the Fee Difference Worth It?

The Wells Fargo Autograph Journey Visa Credit Card costs $95/yr — that's than the Hilton Honors (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.

The Bottom Line

The Hilton Honors has a lower annual fee ($0 vs $95), making it the more accessible option.

For everyday spending, the Hilton Honors earns more with its 3X base rate.

Choose the Hilton Honors if you want solid rewards with a lower cost of entry. Choose the Wells Fargo Autograph Journey Visa Credit Card if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the Wells Fargo Autograph Journey Visa Credit Card worth the higher annual fee?: The Wells Fargo Autograph Journey Visa Credit Card costs $95/yr vs $0/yr for the Hilton Honors. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the Hilton Honors or Wells Fargo Autograph Journey Visa Credit Card?: The Hilton Honors has a higher base earn rate (3X vs 1X), but both cards have different bonus categories where they excel.
Should I get the Hilton Honors or the Wells Fargo Autograph Journey Visa Credit Card?: Choose the Hilton Honors if you want lower fees and solid rewards. Pick the Wells Fargo Autograph Journey Visa Credit Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Explore More

Hilton Honors — Full Review All American Express Cards

Wells Fargo Autograph Journey Visa Credit Card — Full Review All Wells Fargo Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: American Express cards · Wells Fargo cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.

Hilton Honors vs Wells Fargo Autograph Journey Visa Credit Card

Hilton Honors

American Express

Wells Fargo Autograph Journey Visa Credit Card

Wells Fargo

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

80,000 points

60,000 Flex point

Earn Rates

Category	Hilton Honors	Wells Fargo Autograph Journey Visa Credit Card
Hilton Hotels Resorts	7X	1X

Category-by-Category Winner

The Hilton Honors wins in 5 of 8 categories. The Wells Fargo Autograph Journey Visa Credit Card leads in 3.

Hilton Hotels Resorts

Hilton Honors earns 7X vs 1X

Dining

Hilton Honors earns 5X vs 3X

Gas Stations

Hilton Honors earns 5X vs 3X

Grocery Stores

Hilton Honors earns 5X vs 1X

Hotels

Wells Fargo Autograph Journey Visa Credit Card earns 5X vs 3X

Airlines

Wells Fargo Autograph Journey Visa Credit Card earns 4X vs 3X

Flights

Wells Fargo Autograph Journey Visa Credit Card earns 4X vs 3X

Everyday purchases

Hilton Honors earns 3X on all other spending vs 1X

Is the Fee Difference Worth It?

The Bottom Line

The Hilton Honors has a lower annual fee ($0 vs $95), making it the more accessible option.

For everyday spending, the Hilton Honors earns more with its 3X base rate.

Frequently Asked Questions

Is the Wells Fargo Autograph Journey Visa Credit Card worth the higher annual fee?: The Wells Fargo Autograph Journey Visa Credit Card costs $95/yr vs $0/yr for the Hilton Honors. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the Hilton Honors or Wells Fargo Autograph Journey Visa Credit Card?: The Hilton Honors has a higher base earn rate (3X vs 1X), but both cards have different bonus categories where they excel.
Should I get the Hilton Honors or the Wells Fargo Autograph Journey Visa Credit Card?: Choose the Hilton Honors if you want lower fees and solid rewards. Pick the Wells Fargo Autograph Journey Visa Credit Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Explore More

Hilton Honors — Full Review All American Express Cards

Wells Fargo Autograph Journey Visa Credit Card — Full Review All Wells Fargo Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: American Express cards · Wells Fargo cards

Hilton Honors vs Wells Fargo Autograph Journey Visa Credit Card

Hilton Honors

American Express

Wells Fargo Autograph Journey Visa Credit Card

Wells Fargo

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

80,000 points

60,000 Flex point

Earn Rates

Category	Hilton Honors	Wells Fargo Autograph Journey Visa Credit Card
Hilton Hotels Resorts	7X	1X

Category-by-Category Winner

The Hilton Honors wins in 5 of 8 categories. The Wells Fargo Autograph Journey Visa Credit Card leads in 3.

Hilton Hotels Resorts

Hilton Honors earns 7X vs 1X

Dining

Hilton Honors earns 5X vs 3X

Gas Stations

Hilton Honors earns 5X vs 3X

Grocery Stores

Hilton Honors earns 5X vs 1X

Hotels

Wells Fargo Autograph Journey Visa Credit Card earns 5X vs 3X

Airlines

Wells Fargo Autograph Journey Visa Credit Card earns 4X vs 3X

Flights

Wells Fargo Autograph Journey Visa Credit Card earns 4X vs 3X

Everyday purchases

Hilton Honors earns 3X on all other spending vs 1X

Is the Fee Difference Worth It?

The Bottom Line

The Hilton Honors has a lower annual fee ($0 vs $95), making it the more accessible option.

For everyday spending, the Hilton Honors earns more with its 3X base rate.

Frequently Asked Questions

Is the Wells Fargo Autograph Journey Visa Credit Card worth the higher annual fee?: The Wells Fargo Autograph Journey Visa Credit Card costs $95/yr vs $0/yr for the Hilton Honors. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the Hilton Honors or Wells Fargo Autograph Journey Visa Credit Card?: The Hilton Honors has a higher base earn rate (3X vs 1X), but both cards have different bonus categories where they excel.
Should I get the Hilton Honors or the Wells Fargo Autograph Journey Visa Credit Card?: Choose the Hilton Honors if you want lower fees and solid rewards. Pick the Wells Fargo Autograph Journey Visa Credit Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Explore More

Hilton Honors — Full Review All American Express Cards

Wells Fargo Autograph Journey Visa Credit Card — Full Review All Wells Fargo Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: American Express cards · Wells Fargo cards

Benefits & Features

Network

AMEX

VISA

Key Benefits

None

Pros & Cons

Pros

—

+5x on hotels booked direct and 4x on airlines - among highest travel earn rates
+1:1 transfer partners including British Airways, Flying Blue, JetBlue, Virgin Atlantic
+$50 annual airline credit covers most of the $95 fee
+Comprehensive travel insurance (trip cancellation, lost luggage, CDW)
+Cell phone protection up to $1,000 with $25 deductible

Cons

—

−$95 annual fee (though offset by airline credit)
−Fewer transfer partners than Chase or Amex
−Must book hotels directly to earn 5x (not through OTAs)
−No lounge access
−Welcome offer requires $4,000 spend in 3 months

Bottom line: The $95 difference is small enough that the Wells Fargo Autograph Journey Visa Credit Card's extra perks make it worth considering for most cardholders.

Which Card Is Right for You?

Get the Hilton Honors if you:

+Do most of your spending at grocery stores
+Want strong rewards without a large annual fee commitment
+Prefer a high flat rate across all spending

Benefits & Features

Network

AMEX

VISA

Key Benefits

None

Pros & Cons

Pros

—

+5x on hotels booked direct and 4x on airlines - among highest travel earn rates
+1:1 transfer partners including British Airways, Flying Blue, JetBlue, Virgin Atlantic
+$50 annual airline credit covers most of the $95 fee
+Comprehensive travel insurance (trip cancellation, lost luggage, CDW)
+Cell phone protection up to $1,000 with $25 deductible

Cons

—

−$95 annual fee (though offset by airline credit)
−Fewer transfer partners than Chase or Amex
−Must book hotels directly to earn 5x (not through OTAs)
−No lounge access
−Welcome offer requires $4,000 spend in 3 months

Bottom line: The $95 difference is small enough that the Wells Fargo Autograph Journey Visa Credit Card's extra perks make it worth considering for most cardholders.

Which Card Is Right for You?

Get the Hilton Honors if you:

+Do most of your spending at grocery stores
+Want strong rewards without a large annual fee commitment
+Prefer a high flat rate across all spending

Benefits & Features

Network

AMEX

VISA

Key Benefits

None

Pros & Cons

Pros

—

+5x on hotels booked direct and 4x on airlines - among highest travel earn rates
+1:1 transfer partners including British Airways, Flying Blue, JetBlue, Virgin Atlantic
+$50 annual airline credit covers most of the $95 fee
+Comprehensive travel insurance (trip cancellation, lost luggage, CDW)
+Cell phone protection up to $1,000 with $25 deductible

Cons

—

−$95 annual fee (though offset by airline credit)
−Fewer transfer partners than Chase or Amex
−Must book hotels directly to earn 5x (not through OTAs)
−No lounge access
−Welcome offer requires $4,000 spend in 3 months

Bottom line: The $95 difference is small enough that the Wells Fargo Autograph Journey Visa Credit Card's extra perks make it worth considering for most cardholders.

Which Card Is Right for You?

Get the Hilton Honors if you:

+Do most of your spending at grocery stores
+Want strong rewards without a large annual fee commitment
+Prefer a high flat rate across all spending