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Earn 5x points on hotels and 4x on airlines with a $45 effective annual fee
Earn 5x points on hotels, 4x on airlines, and 3x on dining and other travel with no portal restrictions. A $50 annual airline credit reduces the $95 fee to an effective $45, and points transfer 1:1 to 7 airline and hotel partners including Flying Blue and British Airways.
$95
Annual Fee
60,000
Wells Fargo Rewards points · Welcome Bonus
5X
Top Rate
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
Wells Fargo Go Far Rewards
Point Valuation
1–1.6 cpp (mid: 1.5)
Credit Required
Good to Excellent
Welcome Offer
60,000
Wells Fargo Rewards points
Spend $4,000 in the first 3 months
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Hotels | 5X | Core | direct | None | |
| Airlines | 4X | Core | direct | None | |
| Flights | 4X | Core | any | None | |
| Other Travel | 3X | Core | any | None | |
| Gas Stations | 3X | Core | any | None | |
| Transit | 3X | Core | any | None | |
| Streaming | 3X | Core | any | None | |
| Dining | 3X | Core | any | None | |
| All Other | 1X | Base | any | None |
Earn 5 points per dollar on every hotel purchase, whether you book directly with Marriott, Hilton, IHG, or any independent property. No need to use a Wells Fargo travel portal — just swipe your card at checkout.
A $200/night hotel for 5 nights earns 5,000 points worth $50+ when transferred to partners, on top of hotel loyalty points earned booking direct.
Earn 4 points per dollar on airline purchases including tickets, seat upgrades, and baggage fees. Book directly with any airline to maximize both Wells Fargo points and airline loyalty program benefits.
A $500 round-trip flight earns 2,000 points. Transfer to Flying Blue for a potential 2.6 cpp redemption on monthly promo flights to Europe.
Earn 3 points per dollar at restaurants, fast food, drinking places, and caterers. Merchant category code-based — works at any restaurant worldwide with no enrollment required.
Spending $400/month on dining earns 14,400 points annually, worth $144+ in cash back or $187+ transferred to partners.
Earn 3 points per dollar on other travel including car rentals, cruise lines, travel agencies, discount travel sites, and campgrounds. Pair with the no-fee Autograph for 3x on gas and transit.
Book a $3,000 cruise and earn 9,000 points — plus the $50 airline credit on your flights to the port city.
Benefits & Perks
Program & Transfers
No-annual-fee transfers to premium airlines
Wells Fargo Go Far Rewards launched its transfer partner program in April 2024, transforming from a basic rewards program into a legitimate transferable points player. The standout feature: transfer access is available on the no-annual-fee Autograph card, making it unique among major bank programs. The partner roster focuses heavily on Avios currencies (British Airways, Aer Lingus, Iberia) which share points between programs, plus valuable options like Air France-KLM Flying Blue, Avianca LifeMiles, and JetBlue TrueBlue. The 1:2 transfer ratio to Choice Privileges doubles your points for hotel stays. While smaller than Chase or Amex partner networks, Wells Fargo's strategic partnerships cover all three alliances and provide excellent redemption opportunities. The Autograph Journey's 5x on hotels and 4x on airlines makes it competitive with premium travel cards at a fraction of the annual fee.
Reviews & Analysis
Details & Terms
| Rule | Details |
|---|---|
| Wells Fargo 1/6 | You may not be eligible to open a Wells Fargo card if you have opened one in the past six months |
| 48 From Bonus | You will not be eligible for a signup bonus on the same card if you’ve received one for THAT card in the previous 48 months. |
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| Purchase APR | 19.49%–29.49% (Variable) |
| Cash Advance APR | 29.49% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Wells Fargo Rewards family
Earn 5x points on hotels and 4x on airlines with a $45 effective annual fee
Earn 5x points on hotels, 4x on airlines, and 3x on dining and other travel with no portal restrictions. A $50 annual airline credit reduces the $95 fee to an effective $45, and points transfer 1:1 to 7 airline and hotel partners including Flying Blue and British Airways.
$95
Annual Fee
60,000
Wells Fargo Rewards points · Welcome Bonus
5X
Top Rate
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
Wells Fargo Go Far Rewards
Point Valuation
1–1.6 cpp (mid: 1.5)
Credit Required
Good to Excellent
Welcome Offer
60,000
Wells Fargo Rewards points
Spend $4,000 in the first 3 months
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Hotels | 5X | Core | direct | None | |
| Airlines | 4X | Core | direct | None | |
| Flights | 4X | Core | any | None | |
| Other Travel | 3X | Core | any | None | |
| Gas Stations | 3X | Core | any | None | |
| Transit | 3X | Core | any | None | |
| Streaming | 3X | Core | any | None | |
| Dining | 3X | Core | any | None | |
| All Other | 1X | Base | any | None |
Earn 5 points per dollar on every hotel purchase, whether you book directly with Marriott, Hilton, IHG, or any independent property. No need to use a Wells Fargo travel portal — just swipe your card at checkout.
A $200/night hotel for 5 nights earns 5,000 points worth $50+ when transferred to partners, on top of hotel loyalty points earned booking direct.
Earn 4 points per dollar on airline purchases including tickets, seat upgrades, and baggage fees. Book directly with any airline to maximize both Wells Fargo points and airline loyalty program benefits.
A $500 round-trip flight earns 2,000 points. Transfer to Flying Blue for a potential 2.6 cpp redemption on monthly promo flights to Europe.
Earn 3 points per dollar at restaurants, fast food, drinking places, and caterers. Merchant category code-based — works at any restaurant worldwide with no enrollment required.
Spending $400/month on dining earns 14,400 points annually, worth $144+ in cash back or $187+ transferred to partners.
Earn 3 points per dollar on other travel including car rentals, cruise lines, travel agencies, discount travel sites, and campgrounds. Pair with the no-fee Autograph for 3x on gas and transit.
Book a $3,000 cruise and earn 9,000 points — plus the $50 airline credit on your flights to the port city.
Benefits & Perks
Program & Transfers
No-annual-fee transfers to premium airlines
Wells Fargo Go Far Rewards launched its transfer partner program in April 2024, transforming from a basic rewards program into a legitimate transferable points player. The standout feature: transfer access is available on the no-annual-fee Autograph card, making it unique among major bank programs. The partner roster focuses heavily on Avios currencies (British Airways, Aer Lingus, Iberia) which share points between programs, plus valuable options like Air France-KLM Flying Blue, Avianca LifeMiles, and JetBlue TrueBlue. The 1:2 transfer ratio to Choice Privileges doubles your points for hotel stays. While smaller than Chase or Amex partner networks, Wells Fargo's strategic partnerships cover all three alliances and provide excellent redemption opportunities. The Autograph Journey's 5x on hotels and 4x on airlines makes it competitive with premium travel cards at a fraction of the annual fee.
Reviews & Analysis
Details & Terms
| Rule | Details |
|---|---|
| Wells Fargo 1/6 | You may not be eligible to open a Wells Fargo card if you have opened one in the past six months |
| 48 From Bonus | You will not be eligible for a signup bonus on the same card if you’ve received one for THAT card in the previous 48 months. |
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| Purchase APR | 19.49%–29.49% (Variable) |
| Cash Advance APR | 29.49% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Wells Fargo Rewards family
Earn 5x points on hotels and 4x on airlines with a $45 effective annual fee
Earn 5x points on hotels, 4x on airlines, and 3x on dining and other travel with no portal restrictions. A $50 annual airline credit reduces the $95 fee to an effective $45, and points transfer 1:1 to 7 airline and hotel partners including Flying Blue and British Airways.
$95
Annual Fee
60,000
Wells Fargo Rewards points · Welcome Bonus
5X
Top Rate
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
Wells Fargo Go Far Rewards
Point Valuation
1–1.6 cpp (mid: 1.5)
Credit Required
Good to Excellent
Welcome Offer
60,000
Wells Fargo Rewards points
Spend $4,000 in the first 3 months
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Hotels | 5X | Core | direct | None | |
| Airlines | 4X | Core | direct | None | |
| Flights | 4X | Core | any | None | |
| Other Travel | 3X | Core | any | None | |
| Gas Stations | 3X | Core | any | None | |
| Transit | 3X | Core | any | None | |
| Streaming | 3X | Core | any | None | |
| Dining | 3X | Core | any | None | |
| All Other | 1X | Base | any | None |
Earn 5 points per dollar on every hotel purchase, whether you book directly with Marriott, Hilton, IHG, or any independent property. No need to use a Wells Fargo travel portal — just swipe your card at checkout.
A $200/night hotel for 5 nights earns 5,000 points worth $50+ when transferred to partners, on top of hotel loyalty points earned booking direct.
Earn 4 points per dollar on airline purchases including tickets, seat upgrades, and baggage fees. Book directly with any airline to maximize both Wells Fargo points and airline loyalty program benefits.
A $500 round-trip flight earns 2,000 points. Transfer to Flying Blue for a potential 2.6 cpp redemption on monthly promo flights to Europe.
Earn 3 points per dollar at restaurants, fast food, drinking places, and caterers. Merchant category code-based — works at any restaurant worldwide with no enrollment required.
Spending $400/month on dining earns 14,400 points annually, worth $144+ in cash back or $187+ transferred to partners.
Earn 3 points per dollar on other travel including car rentals, cruise lines, travel agencies, discount travel sites, and campgrounds. Pair with the no-fee Autograph for 3x on gas and transit.
Book a $3,000 cruise and earn 9,000 points — plus the $50 airline credit on your flights to the port city.
Benefits & Perks
Program & Transfers
No-annual-fee transfers to premium airlines
Wells Fargo Go Far Rewards launched its transfer partner program in April 2024, transforming from a basic rewards program into a legitimate transferable points player. The standout feature: transfer access is available on the no-annual-fee Autograph card, making it unique among major bank programs. The partner roster focuses heavily on Avios currencies (British Airways, Aer Lingus, Iberia) which share points between programs, plus valuable options like Air France-KLM Flying Blue, Avianca LifeMiles, and JetBlue TrueBlue. The 1:2 transfer ratio to Choice Privileges doubles your points for hotel stays. While smaller than Chase or Amex partner networks, Wells Fargo's strategic partnerships cover all three alliances and provide excellent redemption opportunities. The Autograph Journey's 5x on hotels and 4x on airlines makes it competitive with premium travel cards at a fraction of the annual fee.
Reviews & Analysis
Details & Terms
| Rule | Details |
|---|---|
| Wells Fargo 1/6 | You may not be eligible to open a Wells Fargo card if you have opened one in the past six months |
| 48 From Bonus | You will not be eligible for a signup bonus on the same card if you’ve received one for THAT card in the previous 48 months. |
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| Purchase APR | 19.49%–29.49% (Variable) |
| Cash Advance APR | 29.49% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Wells Fargo Rewards family
Combined Protection Value
$7,350
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Available for covered Wells Fargo cardholders. Count on emergency assistance while traveling anywhere in the world.
Built-in protection features ensure that you won't be held responsible for unauthorized transactions, as long as they're reported promptly.
Pay for rental cars using an eligible card and get reimbursed for covered damage or theft.
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Transfer your Wells Fargo Rewards points to 9 leading loyalty programs for maximum value.
Most partners accept Wells Fargo Rewards points at a 1:1 ratio with instant or near-instant transfers.
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | — | 1 cpp | |
| 1:1 | instant | — | — | |
| 1:1 | instant | 115% | — | |
| 1:1 | instant | 100% | 1.35 cpp | |
| 1:1 | instant | 100% | 1.4 cpp | |
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Book on Iberia instead of British for much lower taxes and surcharges. $32 in fees on Iberia vs. $170+ on British | 3,500 | — | economy | europe |
| Category 1 hotels | 3,500 | — | — | united_states |
| Intra-Europe in Economy on a Partner | 4,000 | — | economy | europe |
| Domestic US in Economy | 4,500 | — | economy | united_states |
| Domestic US in Economy on American | 5,000 | — | economy | united_states |
| Domestic US in Business on a Partner | 6,000 | — | economy | united_states |
| US to Europe in Economy | 6,000 | — | economy | europe |
| Domestic US in Economy on a Partner | 6,300 | — | economy | united_states |
| Carribean | 7,100 | — | — | — |
| US to South America in Economy | 7,100 | — | economy | south_america |
| Domestic US and Canada in Economy | 7,100 | — | economy | united_states |
| Intra-Europe in Economy | 7,500 | — | economy | europe |
| US to Hawaii in Economy | 8,000 | — | economy | united_states |
| Intra-Europe on Star Alliance | 8,000 | — | economy | europe |
| Intra-Europe in Business | 8,000 | — | business | europe |
| US to Canada in Economy | 10,300 | — | economy | united_states |
| US to Mexico in Economy on a Partner | 11,500 | — | economy | central_america |
| Canada to Hawaii in Economy | 11,600 | — | economy | united_states |
| Domestic US in First Class | 12,500 | — | first | united_states |
| US to Mexico in Economy | 14,400 | — | economy | central_america |
Showing top 20 of 71 sweet spots
The Autograph Journey offers the highest hotel earn rate (5x) among $95 annual fee travel cards without requiring portal bookings. Its 4x airline rate beats the Chase Sapphire Preferred (2x travel) and matches the Amex Platinum (5x flights) at a fraction of the cost. The trade-off is a limited roster of 7 transfer partners versus Chase's 14 or Amex's 21.
The Wells Fargo Autograph Journey card stands out among their offerings but is best for those needing a break from major card issuers. Its transfer partners provide value, justifying the annual fee initially, but consider downgrading after year one.
The Wells Fargo Autograph Journey card is our top recommendation among Wells Fargo offerings, but with an important qualification. We only suggest this card if you need a break from Chase, American Express, or Capital One products. Cards with airline and hotel transfer partners typically provide the best point value, and this is one of only two personal Wells Fargo cards offering these transfer options. The substantial sign-up bonus makes the annual fee worthwhile for the first year. However, we recommend canceling or downgrading after that initial year due to limited ongoing benefits that don't justify the continued annual fee.
The card offers an attractive welcome bonus of 60,000 points after spending $4,000 within the first 90 days. Its transfer options provide flexibility when redeeming points. The rewards structure is generous, offering:
- 5x points on hotels
- 4x points on airlines
- 3x points on restaurants and other travel expenses
While there is a $95 annual fee, the card includes a $50 airline credit for airfare purchases, effectively reducing the cost to $45. The card also provides valuable travel protections:
- Travel accident insurance up to $1 million
- Lost baggage insurance up to $3,000
- Trip cancellation and interruption insurance up to $15,000
- Auto rental collision damage waiver
- Cell phone protection up to $1,000
Though Wells Fargo's transfer partner selection isn't as extensive as major programs, it still offers seven airline and hotel partners. Transferring points to these partners is typically the best way to exceed the standard 1 cent per point redemption value. This card is ideal for diversifying your rewards strategy, as points earned can complement those accumulated from other card programs.
Consider alternatives if:
- You've seen higher welcome offers from other banks and want to maximize point accumulation
- You prioritize extensive transfer partner options like those available through Chase Ultimate Rewards and American Express Membership Rewards
**Wells Fargo Rewards should only be considered when you've exhausted Chase, Amex, or Capital One**
- One unique feature of Wells Fargo Rewards is that they can be transferred or gifted to another Wells Fargo customer
- The Autograph cards are the only cards with transferable miles to partners
- Wells Fargo doesn’t have the same comprehensive list of transfer partners as other Rewards programs like Chase or Amex
- But there is still value to be had, like transferring to Flying Blue and redeeming miles for one of their monthly Promo Rewards
The Wells Fargo Autograph Journey stands at the top of the Wells Fargo card hierarchy as the only option with an annual fee, offering premium benefits and the highest sign-up bonus. Understanding its position relative to other Wells Fargo cards helps clarify when it makes sense as an addition to your wallet:
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$34.80
Annual Fee
-$95
Net Annual Value
-$60.20
| Card |
|---|
| Tier |
|---|
| Annual Fee |
|---|
| Note |
|---|
| Wells Fargo Autograph | mid | $0 |
Product changes available between family members without a new credit inquiry.
Yes, you can transfer or gift points to another Wells Fargo customer for free. This is unique among major bank programs and allows households to pool points for larger redemptions.
No, points don't expire as long as your account is open and in good standing. However, if you close your account, you will forfeit any unredeemed points.
No, there is no minimum transfer amount or increment requirement. Unlike competitors that require 1,000-point minimums, you can transfer any amount to airline and hotel partners.
Only the Autograph ($0 annual fee) and Autograph Journey ($95/year) earn points that can be transferred to airline and hotel partners. The Active Cash earns 2% cash back that can be converted to points but doesn't directly earn transferable points.
Most transfers are instant, though some partners may take a few days. Always verify partner award availability before transferring, as transfers are one-way and cannot be reversed.
Yes, you can combine earnings from non-cobranded Wells Fargo cards. The Active Cash 2% cash back can be converted to points and combined with Autograph/Journey points for maximum redemption value.
In-depth analysis of the Wells Fargo Autograph Journey as a potential game-changer in the $95 annual fee travel card space. Covers the 5x hotels/4x airlines earn structure, transfer partner limitations, and why the card struggles to fit into an existing multi-issuer credit card strategy despite strong multipliers.
Official Wells Fargo product page with complete earn rates (5x hotels, 4x airlines, 3x dining/travel, 1x everything), $50 airline credit details, travel protections breakdown, Visa Signature privileges, and transfer partner information.
Official benefits guide with detailed terms for travel accident insurance ($1M), lost baggage reimbursement ($3K), trip cancellation ($15K), auto rental CDW, cell phone protection ($1K), and all Visa Signature benefits.
Review covering all features, perks, and fees of the Wells Fargo Autograph Journey card. Analysis of whether the 5x/4x/3x earning structure and travel protections justify the $95 annual fee for different spending profiles.
Head-to-head comparison of the Wells Fargo Autograph Journey and Capital One Venture cards. Evaluates earning structure, transfer partners, travel protections, and overall value proposition for travelers choosing between the two ecosystems.
U.S. News review rating the card 4.1 out of 5. Highlights the competitive welcome bonus, $50 airline statement credit, and $15,000 trip cancellation coverage. Notes limited transfer partners as a drawback compared to Chase and Amex ecosystems.
Breakdown of 8 key benefits including the annual airline statement credit, travel protections, cell phone insurance, and the card's flexible earning structure. Positions the card as a strong mid-tier travel option.
Review positioning the Autograph Journey as a strong choice for earning points without overthinking purchases. Covers the straightforward earn structure, travel benefits, and how it compares to competing mid-tier travel cards.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |
Combined Protection Value
$7,350
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Available for covered Wells Fargo cardholders. Count on emergency assistance while traveling anywhere in the world.
Built-in protection features ensure that you won't be held responsible for unauthorized transactions, as long as they're reported promptly.
Pay for rental cars using an eligible card and get reimbursed for covered damage or theft.
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Transfer your Wells Fargo Rewards points to 9 leading loyalty programs for maximum value.
Most partners accept Wells Fargo Rewards points at a 1:1 ratio with instant or near-instant transfers.
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | — | 1 cpp | |
| 1:1 | instant | — | — | |
| 1:1 | instant | 115% | — | |
| 1:1 | instant | 100% | 1.35 cpp | |
| 1:1 | instant | 100% | 1.4 cpp | |
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Book on Iberia instead of British for much lower taxes and surcharges. $32 in fees on Iberia vs. $170+ on British | 3,500 | — | economy | europe |
| Category 1 hotels | 3,500 | — | — | united_states |
| Intra-Europe in Economy on a Partner | 4,000 | — | economy | europe |
| Domestic US in Economy | 4,500 | — | economy | united_states |
| Domestic US in Economy on American | 5,000 | — | economy | united_states |
| Domestic US in Business on a Partner | 6,000 | — | economy | united_states |
| US to Europe in Economy | 6,000 | — | economy | europe |
| Domestic US in Economy on a Partner | 6,300 | — | economy | united_states |
| Carribean | 7,100 | — | — | — |
| US to South America in Economy | 7,100 | — | economy | south_america |
| Domestic US and Canada in Economy | 7,100 | — | economy | united_states |
| Intra-Europe in Economy | 7,500 | — | economy | europe |
| US to Hawaii in Economy | 8,000 | — | economy | united_states |
| Intra-Europe on Star Alliance | 8,000 | — | economy | europe |
| Intra-Europe in Business | 8,000 | — | business | europe |
| US to Canada in Economy | 10,300 | — | economy | united_states |
| US to Mexico in Economy on a Partner | 11,500 | — | economy | central_america |
| Canada to Hawaii in Economy | 11,600 | — | economy | united_states |
| Domestic US in First Class | 12,500 | — | first | united_states |
| US to Mexico in Economy | 14,400 | — | economy | central_america |
Showing top 20 of 71 sweet spots
The Autograph Journey offers the highest hotel earn rate (5x) among $95 annual fee travel cards without requiring portal bookings. Its 4x airline rate beats the Chase Sapphire Preferred (2x travel) and matches the Amex Platinum (5x flights) at a fraction of the cost. The trade-off is a limited roster of 7 transfer partners versus Chase's 14 or Amex's 21.
The Wells Fargo Autograph Journey card stands out among their offerings but is best for those needing a break from major card issuers. Its transfer partners provide value, justifying the annual fee initially, but consider downgrading after year one.
The Wells Fargo Autograph Journey card is our top recommendation among Wells Fargo offerings, but with an important qualification. We only suggest this card if you need a break from Chase, American Express, or Capital One products. Cards with airline and hotel transfer partners typically provide the best point value, and this is one of only two personal Wells Fargo cards offering these transfer options. The substantial sign-up bonus makes the annual fee worthwhile for the first year. However, we recommend canceling or downgrading after that initial year due to limited ongoing benefits that don't justify the continued annual fee.
The card offers an attractive welcome bonus of 60,000 points after spending $4,000 within the first 90 days. Its transfer options provide flexibility when redeeming points. The rewards structure is generous, offering:
- 5x points on hotels
- 4x points on airlines
- 3x points on restaurants and other travel expenses
While there is a $95 annual fee, the card includes a $50 airline credit for airfare purchases, effectively reducing the cost to $45. The card also provides valuable travel protections:
- Travel accident insurance up to $1 million
- Lost baggage insurance up to $3,000
- Trip cancellation and interruption insurance up to $15,000
- Auto rental collision damage waiver
- Cell phone protection up to $1,000
Though Wells Fargo's transfer partner selection isn't as extensive as major programs, it still offers seven airline and hotel partners. Transferring points to these partners is typically the best way to exceed the standard 1 cent per point redemption value. This card is ideal for diversifying your rewards strategy, as points earned can complement those accumulated from other card programs.
Consider alternatives if:
- You've seen higher welcome offers from other banks and want to maximize point accumulation
- You prioritize extensive transfer partner options like those available through Chase Ultimate Rewards and American Express Membership Rewards
**Wells Fargo Rewards should only be considered when you've exhausted Chase, Amex, or Capital One**
- One unique feature of Wells Fargo Rewards is that they can be transferred or gifted to another Wells Fargo customer
- The Autograph cards are the only cards with transferable miles to partners
- Wells Fargo doesn’t have the same comprehensive list of transfer partners as other Rewards programs like Chase or Amex
- But there is still value to be had, like transferring to Flying Blue and redeeming miles for one of their monthly Promo Rewards
The Wells Fargo Autograph Journey stands at the top of the Wells Fargo card hierarchy as the only option with an annual fee, offering premium benefits and the highest sign-up bonus. Understanding its position relative to other Wells Fargo cards helps clarify when it makes sense as an addition to your wallet:
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$34.80
Annual Fee
-$95
Net Annual Value
-$60.20
| Card |
|---|
| Tier |
|---|
| Annual Fee |
|---|
| Note |
|---|
| Wells Fargo Autograph | mid | $0 |
Product changes available between family members without a new credit inquiry.
Yes, you can transfer or gift points to another Wells Fargo customer for free. This is unique among major bank programs and allows households to pool points for larger redemptions.
No, points don't expire as long as your account is open and in good standing. However, if you close your account, you will forfeit any unredeemed points.
No, there is no minimum transfer amount or increment requirement. Unlike competitors that require 1,000-point minimums, you can transfer any amount to airline and hotel partners.
Only the Autograph ($0 annual fee) and Autograph Journey ($95/year) earn points that can be transferred to airline and hotel partners. The Active Cash earns 2% cash back that can be converted to points but doesn't directly earn transferable points.
Most transfers are instant, though some partners may take a few days. Always verify partner award availability before transferring, as transfers are one-way and cannot be reversed.
Yes, you can combine earnings from non-cobranded Wells Fargo cards. The Active Cash 2% cash back can be converted to points and combined with Autograph/Journey points for maximum redemption value.
In-depth analysis of the Wells Fargo Autograph Journey as a potential game-changer in the $95 annual fee travel card space. Covers the 5x hotels/4x airlines earn structure, transfer partner limitations, and why the card struggles to fit into an existing multi-issuer credit card strategy despite strong multipliers.
Official Wells Fargo product page with complete earn rates (5x hotels, 4x airlines, 3x dining/travel, 1x everything), $50 airline credit details, travel protections breakdown, Visa Signature privileges, and transfer partner information.
Official benefits guide with detailed terms for travel accident insurance ($1M), lost baggage reimbursement ($3K), trip cancellation ($15K), auto rental CDW, cell phone protection ($1K), and all Visa Signature benefits.
Review covering all features, perks, and fees of the Wells Fargo Autograph Journey card. Analysis of whether the 5x/4x/3x earning structure and travel protections justify the $95 annual fee for different spending profiles.
Head-to-head comparison of the Wells Fargo Autograph Journey and Capital One Venture cards. Evaluates earning structure, transfer partners, travel protections, and overall value proposition for travelers choosing between the two ecosystems.
U.S. News review rating the card 4.1 out of 5. Highlights the competitive welcome bonus, $50 airline statement credit, and $15,000 trip cancellation coverage. Notes limited transfer partners as a drawback compared to Chase and Amex ecosystems.
Breakdown of 8 key benefits including the annual airline statement credit, travel protections, cell phone insurance, and the card's flexible earning structure. Positions the card as a strong mid-tier travel option.
Review positioning the Autograph Journey as a strong choice for earning points without overthinking purchases. Covers the straightforward earn structure, travel benefits, and how it compares to competing mid-tier travel cards.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |
Combined Protection Value
$7,350
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Available for covered Wells Fargo cardholders. Count on emergency assistance while traveling anywhere in the world.
Built-in protection features ensure that you won't be held responsible for unauthorized transactions, as long as they're reported promptly.
Pay for rental cars using an eligible card and get reimbursed for covered damage or theft.
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Transfer your Wells Fargo Rewards points to 9 leading loyalty programs for maximum value.
Most partners accept Wells Fargo Rewards points at a 1:1 ratio with instant or near-instant transfers.
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | — | 1 cpp | |
| 1:1 | instant | — | — | |
| 1:1 | instant | 115% | — | |
| 1:1 | instant | 100% | 1.35 cpp | |
| 1:1 | instant | 100% | 1.4 cpp | |
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Book on Iberia instead of British for much lower taxes and surcharges. $32 in fees on Iberia vs. $170+ on British | 3,500 | — | economy | europe |
| Category 1 hotels | 3,500 | — | — | united_states |
| Intra-Europe in Economy on a Partner | 4,000 | — | economy | europe |
| Domestic US in Economy | 4,500 | — | economy | united_states |
| Domestic US in Economy on American | 5,000 | — | economy | united_states |
| Domestic US in Business on a Partner | 6,000 | — | economy | united_states |
| US to Europe in Economy | 6,000 | — | economy | europe |
| Domestic US in Economy on a Partner | 6,300 | — | economy | united_states |
| Carribean | 7,100 | — | — | — |
| US to South America in Economy | 7,100 | — | economy | south_america |
| Domestic US and Canada in Economy | 7,100 | — | economy | united_states |
| Intra-Europe in Economy | 7,500 | — | economy | europe |
| US to Hawaii in Economy | 8,000 | — | economy | united_states |
| Intra-Europe on Star Alliance | 8,000 | — | economy | europe |
| Intra-Europe in Business | 8,000 | — | business | europe |
| US to Canada in Economy | 10,300 | — | economy | united_states |
| US to Mexico in Economy on a Partner | 11,500 | — | economy | central_america |
| Canada to Hawaii in Economy | 11,600 | — | economy | united_states |
| Domestic US in First Class | 12,500 | — | first | united_states |
| US to Mexico in Economy | 14,400 | — | economy | central_america |
Showing top 20 of 71 sweet spots
The Autograph Journey offers the highest hotel earn rate (5x) among $95 annual fee travel cards without requiring portal bookings. Its 4x airline rate beats the Chase Sapphire Preferred (2x travel) and matches the Amex Platinum (5x flights) at a fraction of the cost. The trade-off is a limited roster of 7 transfer partners versus Chase's 14 or Amex's 21.
The Wells Fargo Autograph Journey card stands out among their offerings but is best for those needing a break from major card issuers. Its transfer partners provide value, justifying the annual fee initially, but consider downgrading after year one.
The Wells Fargo Autograph Journey card is our top recommendation among Wells Fargo offerings, but with an important qualification. We only suggest this card if you need a break from Chase, American Express, or Capital One products. Cards with airline and hotel transfer partners typically provide the best point value, and this is one of only two personal Wells Fargo cards offering these transfer options. The substantial sign-up bonus makes the annual fee worthwhile for the first year. However, we recommend canceling or downgrading after that initial year due to limited ongoing benefits that don't justify the continued annual fee.
The card offers an attractive welcome bonus of 60,000 points after spending $4,000 within the first 90 days. Its transfer options provide flexibility when redeeming points. The rewards structure is generous, offering:
- 5x points on hotels
- 4x points on airlines
- 3x points on restaurants and other travel expenses
While there is a $95 annual fee, the card includes a $50 airline credit for airfare purchases, effectively reducing the cost to $45. The card also provides valuable travel protections:
- Travel accident insurance up to $1 million
- Lost baggage insurance up to $3,000
- Trip cancellation and interruption insurance up to $15,000
- Auto rental collision damage waiver
- Cell phone protection up to $1,000
Though Wells Fargo's transfer partner selection isn't as extensive as major programs, it still offers seven airline and hotel partners. Transferring points to these partners is typically the best way to exceed the standard 1 cent per point redemption value. This card is ideal for diversifying your rewards strategy, as points earned can complement those accumulated from other card programs.
Consider alternatives if:
- You've seen higher welcome offers from other banks and want to maximize point accumulation
- You prioritize extensive transfer partner options like those available through Chase Ultimate Rewards and American Express Membership Rewards
**Wells Fargo Rewards should only be considered when you've exhausted Chase, Amex, or Capital One**
- One unique feature of Wells Fargo Rewards is that they can be transferred or gifted to another Wells Fargo customer
- The Autograph cards are the only cards with transferable miles to partners
- Wells Fargo doesn’t have the same comprehensive list of transfer partners as other Rewards programs like Chase or Amex
- But there is still value to be had, like transferring to Flying Blue and redeeming miles for one of their monthly Promo Rewards
The Wells Fargo Autograph Journey stands at the top of the Wells Fargo card hierarchy as the only option with an annual fee, offering premium benefits and the highest sign-up bonus. Understanding its position relative to other Wells Fargo cards helps clarify when it makes sense as an addition to your wallet:
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$34.80
Annual Fee
-$95
Net Annual Value
-$60.20
| Card |
|---|
| Tier |
|---|
| Annual Fee |
|---|
| Note |
|---|
| Wells Fargo Autograph | mid | $0 |
Product changes available between family members without a new credit inquiry.
Yes, you can transfer or gift points to another Wells Fargo customer for free. This is unique among major bank programs and allows households to pool points for larger redemptions.
No, points don't expire as long as your account is open and in good standing. However, if you close your account, you will forfeit any unredeemed points.
No, there is no minimum transfer amount or increment requirement. Unlike competitors that require 1,000-point minimums, you can transfer any amount to airline and hotel partners.
Only the Autograph ($0 annual fee) and Autograph Journey ($95/year) earn points that can be transferred to airline and hotel partners. The Active Cash earns 2% cash back that can be converted to points but doesn't directly earn transferable points.
Most transfers are instant, though some partners may take a few days. Always verify partner award availability before transferring, as transfers are one-way and cannot be reversed.
Yes, you can combine earnings from non-cobranded Wells Fargo cards. The Active Cash 2% cash back can be converted to points and combined with Autograph/Journey points for maximum redemption value.
In-depth analysis of the Wells Fargo Autograph Journey as a potential game-changer in the $95 annual fee travel card space. Covers the 5x hotels/4x airlines earn structure, transfer partner limitations, and why the card struggles to fit into an existing multi-issuer credit card strategy despite strong multipliers.
Official Wells Fargo product page with complete earn rates (5x hotels, 4x airlines, 3x dining/travel, 1x everything), $50 airline credit details, travel protections breakdown, Visa Signature privileges, and transfer partner information.
Official benefits guide with detailed terms for travel accident insurance ($1M), lost baggage reimbursement ($3K), trip cancellation ($15K), auto rental CDW, cell phone protection ($1K), and all Visa Signature benefits.
Review covering all features, perks, and fees of the Wells Fargo Autograph Journey card. Analysis of whether the 5x/4x/3x earning structure and travel protections justify the $95 annual fee for different spending profiles.
Head-to-head comparison of the Wells Fargo Autograph Journey and Capital One Venture cards. Evaluates earning structure, transfer partners, travel protections, and overall value proposition for travelers choosing between the two ecosystems.
U.S. News review rating the card 4.1 out of 5. Highlights the competitive welcome bonus, $50 airline statement credit, and $15,000 trip cancellation coverage. Notes limited transfer partners as a drawback compared to Chase and Amex ecosystems.
Breakdown of 8 key benefits including the annual airline statement credit, travel protections, cell phone insurance, and the card's flexible earning structure. Positions the card as a strong mid-tier travel option.
Review positioning the Autograph Journey as a strong choice for earning points without overthinking purchases. Covers the straightforward earn structure, travel benefits, and how it compares to competing mid-tier travel cards.
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Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
Visa credit cardholders can get an emergency cash advance disbursed or a card replaced within one to three business days after issuer approval.
Available whenever you're in need of a tow - for eligible Wells Fargo cardholders 24/7 with no membership required.
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Get up to $1,000 of cell phone protection against damage, theft, or unintended separation. Subject to a $25 deduction.
| 1:1 |
| instant |
| 92% |
| — |
| 1:1 | instant | 85% | — |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:2 | instant | 108% | 0.6 cpp |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
air_france_klm_flying_blue | 1:1 | instant | 100% | — |
- **Premium Position**: As Wells Fargo's flagship rewards card, the Autograph Journey delivers the most comprehensive benefits package and highest earning potential in their lineup.
- **Transfer Partner Access**: Only the Autograph Journey and standard Autograph cards allow point transfers to airline and hotel partners — a crucial distinction from other Wells Fargo cards.
The standard Wells Fargo Autograph Card offers a more modest 20,000 point sign-up bonus after $1,000 in spending during the first three months. Its rewards structure includes:
- 3x points on restaurants, travel, gas stations, transit, streaming services, and phone plans
- 1x points on all other purchases
This relationship between the two Autograph cards creates a strategic opportunity: you can start with the Autograph Journey to earn the substantial sign-up bonus, then downgrade to the no-annual-fee Autograph card before your second year to maintain transfer partner access without the annual fee.
Other Wells Fargo cards offer significantly less value for rewards enthusiasts:
- The Wells Fargo Attune card provides a $100 cash sign-up bonus with 4% back in specific lifestyle categories
- The Wells Fargo Active Cash card offers a $200 cash welcome bonus with flat-rate 2% cash rewards
While these alternatives may suit specific spending patterns, they lack the crucial transfer partner access that makes the Autograph cards worthy additions to a diverse rewards strategy.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
Visa credit cardholders can get an emergency cash advance disbursed or a card replaced within one to three business days after issuer approval.
Available whenever you're in need of a tow - for eligible Wells Fargo cardholders 24/7 with no membership required.
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Get up to $1,000 of cell phone protection against damage, theft, or unintended separation. Subject to a $25 deduction.
| 1:1 |
| instant |
| 92% |
| — |
| 1:1 | instant | 85% | — |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:2 | instant | 108% | 0.6 cpp |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
air_france_klm_flying_blue | 1:1 | instant | 100% | — |
- **Premium Position**: As Wells Fargo's flagship rewards card, the Autograph Journey delivers the most comprehensive benefits package and highest earning potential in their lineup.
- **Transfer Partner Access**: Only the Autograph Journey and standard Autograph cards allow point transfers to airline and hotel partners — a crucial distinction from other Wells Fargo cards.
The standard Wells Fargo Autograph Card offers a more modest 20,000 point sign-up bonus after $1,000 in spending during the first three months. Its rewards structure includes:
- 3x points on restaurants, travel, gas stations, transit, streaming services, and phone plans
- 1x points on all other purchases
This relationship between the two Autograph cards creates a strategic opportunity: you can start with the Autograph Journey to earn the substantial sign-up bonus, then downgrade to the no-annual-fee Autograph card before your second year to maintain transfer partner access without the annual fee.
Other Wells Fargo cards offer significantly less value for rewards enthusiasts:
- The Wells Fargo Attune card provides a $100 cash sign-up bonus with 4% back in specific lifestyle categories
- The Wells Fargo Active Cash card offers a $200 cash welcome bonus with flat-rate 2% cash rewards
While these alternatives may suit specific spending patterns, they lack the crucial transfer partner access that makes the Autograph cards worthy additions to a diverse rewards strategy.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
Visa credit cardholders can get an emergency cash advance disbursed or a card replaced within one to three business days after issuer approval.
Available whenever you're in need of a tow - for eligible Wells Fargo cardholders 24/7 with no membership required.
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Get up to $1,000 of cell phone protection against damage, theft, or unintended separation. Subject to a $25 deduction.
| 1:1 |
| instant |
| 92% |
| — |
| 1:1 | instant | 85% | — |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:2 | instant | 108% | 0.6 cpp |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
air_france_klm_flying_blue | 1:1 | instant | 100% | — |
- **Premium Position**: As Wells Fargo's flagship rewards card, the Autograph Journey delivers the most comprehensive benefits package and highest earning potential in their lineup.
- **Transfer Partner Access**: Only the Autograph Journey and standard Autograph cards allow point transfers to airline and hotel partners — a crucial distinction from other Wells Fargo cards.
The standard Wells Fargo Autograph Card offers a more modest 20,000 point sign-up bonus after $1,000 in spending during the first three months. Its rewards structure includes:
- 3x points on restaurants, travel, gas stations, transit, streaming services, and phone plans
- 1x points on all other purchases
This relationship between the two Autograph cards creates a strategic opportunity: you can start with the Autograph Journey to earn the substantial sign-up bonus, then downgrade to the no-annual-fee Autograph card before your second year to maintain transfer partner access without the annual fee.
Other Wells Fargo cards offer significantly less value for rewards enthusiasts:
- The Wells Fargo Attune card provides a $100 cash sign-up bonus with 4% back in specific lifestyle categories
- The Wells Fargo Active Cash card offers a $200 cash welcome bonus with flat-rate 2% cash rewards
While these alternatives may suit specific spending patterns, they lack the crucial transfer partner access that makes the Autograph cards worthy additions to a diverse rewards strategy.
