CardRewardsEditorial 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.
The Wells Fargo Autograph Visa Credit Card ($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.
Wells Fargo
Wells Fargo
Annual Fee
Welcome Bonus
| Category | Wells Fargo Autograph Visa Credit Card | Wells Fargo Autograph Journey Visa Credit Card |
|---|---|---|
| Hotels | 1X |
Both cards win in 4 categories each — it comes down to which categories matter most to you.
Travel
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Phone Bills
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Telecom
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Tolls
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Hotels
Wells Fargo Autograph Journey Visa Credit Card earns 5X vs 1X
Airlines
Wells Fargo Autograph Journey Visa Credit Card earns 4X vs 1X
Flights
Wells Fargo Autograph Journey Visa Credit Card earns 4X vs 1X
Other Travel
Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1X
The Wells Fargo Autograph Journey Visa Credit Card costs — that's than the Wells Fargo Autograph Visa Credit Card (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 Wells Fargo Autograph Visa Credit Card has a lower annual fee ($0 vs $95), making it the more accessible option.
Choose the Wells Fargo Autograph Visa Credit Card 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.
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.
The Wells Fargo Autograph Visa Credit Card ($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.
Wells Fargo
Wells Fargo
Annual Fee
Welcome Bonus
| Category | Wells Fargo Autograph Visa Credit Card | Wells Fargo Autograph Journey Visa Credit Card |
|---|---|---|
| Hotels | 1X |
Both cards win in 4 categories each — it comes down to which categories matter most to you.
Travel
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Phone Bills
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Telecom
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Tolls
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Hotels
Wells Fargo Autograph Journey Visa Credit Card earns 5X vs 1X
Airlines
Wells Fargo Autograph Journey Visa Credit Card earns 4X vs 1X
Flights
Wells Fargo Autograph Journey Visa Credit Card earns 4X vs 1X
Other Travel
Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1X
The Wells Fargo Autograph Journey Visa Credit Card costs — that's than the Wells Fargo Autograph Visa Credit Card (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 Wells Fargo Autograph Visa Credit Card has a lower annual fee ($0 vs $95), making it the more accessible option.
Choose the Wells Fargo Autograph Visa Credit Card 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.
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.
The Wells Fargo Autograph Visa Credit Card ($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.
Wells Fargo
Wells Fargo
Annual Fee
Welcome Bonus
| Category | Wells Fargo Autograph Visa Credit Card | Wells Fargo Autograph Journey Visa Credit Card |
|---|---|---|
| Hotels | 1X |
Both cards win in 4 categories each — it comes down to which categories matter most to you.
Travel
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Phone Bills
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Telecom
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Tolls
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Hotels
Wells Fargo Autograph Journey Visa Credit Card earns 5X vs 1X
Airlines
Wells Fargo Autograph Journey Visa Credit Card earns 4X vs 1X
Flights
Wells Fargo Autograph Journey Visa Credit Card earns 4X vs 1X
Other Travel
Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1X
The Wells Fargo Autograph Journey Visa Credit Card costs — that's than the Wells Fargo Autograph Visa Credit Card (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 Wells Fargo Autograph Visa Credit Card has a lower annual fee ($0 vs $95), making it the more accessible option.
Choose the Wells Fargo Autograph Visa Credit Card 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.
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.
| 5X |
| Airlines | 1X | 4X |
| Flights | 1X | 4X |
| Dining | 3X | 3X |
| Gas Stations | 3X | 3X |
| Other Travel | 1X | 3X |
| Phone Bills | 3X | 1X |
| Streaming | 3X | 3X |
| Telecom | 3X | 1X |
| Tolls | 3X | 1X |
| Transit | 3X | 3X |
| Travel | 3X | 1X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
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.
Get the Wells Fargo Autograph Visa Credit Card if you:
| 5X |
| Airlines | 1X | 4X |
| Flights | 1X | 4X |
| Dining | 3X | 3X |
| Gas Stations | 3X | 3X |
| Other Travel | 1X | 3X |
| Phone Bills | 3X | 1X |
| Streaming | 3X | 3X |
| Telecom | 3X | 1X |
| Tolls | 3X | 1X |
| Transit | 3X | 3X |
| Travel | 3X | 1X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
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.
Get the Wells Fargo Autograph Visa Credit Card if you:
| 5X |
| Airlines | 1X | 4X |
| Flights | 1X | 4X |
| Dining | 3X | 3X |
| Gas Stations | 3X | 3X |
| Other Travel | 1X | 3X |
| Phone Bills | 3X | 1X |
| Streaming | 3X | 3X |
| Telecom | 3X | 1X |
| Tolls | 3X | 1X |
| Transit | 3X | 3X |
| Travel | 3X | 1X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
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.
Get the Wells Fargo Autograph Visa Credit Card if you: