Autograph vs Autograph Journey

Every figure below is from the same dataset Miles computes its recommendations from. Rows the two cards agree on are collapsed at the bottom.

Autograph

Wells Fargo

Autograph Journey

Wells Fargo

Economics

Annual fee

$95/yr less

$95

Ongoing annual value

$175

$203

$28/yr more

Net value (value − fee)

$175

$67/yr more

$108

First-year value estimate

$263

$717

$454/yr more

Authorized user fee

—

Sign-up Bonus

Current offer

20K points after $1K spend in first 3 months

60K points after $4K spend in first 3 months

Earning

Hotels

—

5X7%

Flights

—

4X5.6%

Gas Stations

3X4.2%

—

Phone services

3X4.2%

—

Select streaming services

3X4.2%

—

Transit

3X4.2%

—

Percentages are the return on a dollar spent: the multiplier times what Miles values those points at. Categories only one card earns a bonus on are marked for that card; the other earns its base rate.

Benefits

Statement credits

—

Airline: $50 (Annual Cardmember Year)

Lounge access

—

Elite status

—

Protections

The same on both cards (8)

Foreign transaction fee

None

Issuer

Wells Fargo

Rewards currency

Wells Fargo Rewards

Card type

Personal

Network

Visa

All other purchases

1X1.4%

Dining

3X4.2%

Travel

3X4.2%

Which one is right for you

This page shows the difference. It does not pick: the winner depends on what you spend and what you already hold, and adding these figures up without knowing that would be a guess dressed as a verdict. Ask Miles and it computes the answer against your own wallet.

Ask Miles which to get

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