Autograph Journey
Wells Fargo$95 a yearVisa SignatureNo foreign transaction feeIssuer's page
A fair time to apply if the card fits how you spend.
Already have it? Keep it.
Welcome bonus
60,000points
after $4,000 in purchases in the first 3 months
1/6 Rule, 5/24 Rule and 2 more. Am I eligible?
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus60,000 points at 1.4¢ | $840 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$227 |
| Airlineof $50 face value | +$35 |
| Annual fee | −$95 |
| Meeting the $4,000 minimumearns 1.4% here vs 2% on Double Cash | −$24 |
| First year | $983 |
| Each year after | +$292 |
Not counted in the first year: protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 3X | Dining | 4.2% |
| 3X | Travel | 4.2% |
| 4X | Flights | 5.6% |
| 5X | Hotels | 7% |
| 1X | Everything else | 1.4% |
Noteworthy perks
- Airline$50 a year
Personal card · Earns Wells Fargo Rewards
Where this card ranks
- Tied best card for hotels7.0%
- Listed among 91 cards for flights5.6%
- Listed among 147 cards for dining4.2%
- Listed among 82 cards for travel4.2%
What this card returns on each page, priced against what its points are worth. Open a page to see the card it crowns and why.
Benefits
Credits & Perks (1)
- Airline: $50 (Annual Cardmember Year)
$50 statement credit applied to your account when your card is used for an airline purchase of at least $50
Protections (5)
- Travel Accident Insurance, up to $1,000,000, $1,000,000 Worldwide Automatic Common Carrier Travel Accident Insurance
- Trip Cancellation/Interruption, up to $15,000, Up to $15,000 per traveler per trip, $20,000 max per 12-month period
- Lost Luggage, up to $3,000, Up to $3,000 for bags lost due to theft or misdirection
- Auto Rental Collision Damage Waiver (secondary), up to $50,000, Up to $50,000 for collision damage and theft (secondary US, primary international)
- Cell Phone Protection, up to $1,000, Up to $1,000 per claim with a $25 deductible; maximum 2 claims per year. Excludes cosmetic damage.
Other Perks
- Transfer points to airline/hotel partners: Aer Lingus, Air France-KLM, Avianca, British Airways, Iberia, JetBlue, Virgin Atlantic, Virgin Red (1:1), Choice Privileges (1:2)
- Autograph Card Exclusives - access to tickets for major musical acts in intimate venues
- 24/7 Visa Signature Concierge service
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to Autograph JourneyOct 8, 2026
- changed from true to falseSep 26, 2026
- changed from Slug: wells-fargo-autograph-card; Tier: 1; Tier name: Autograph to (empty)Sep 26, 2026
- changed from null to 4000Aug 13, 2026
- changed from null to 90Aug 13, 2026