Wells Fargo Autograph Journey vs Wells Fargo Premier Autograph — which is worth it to you?
The Wells Fargo Autograph Journey Card ($95/yr) and the Wells Fargo Premier Autograph Card ($95/yr) side by side: credits, earning rates against a flat 2% cash-back baseline, and protections — with your spending deciding which card actually wins each category.
Both charge $95 a year, so the fee itself is a wash. Both earn Wells Fargo Rewards, and a point from one is worth the same as a point from the other. What separates them is rates and credits.
Both cards pay a bonus on hotels (5x vs 5x), flights (4x vs 4x), dining (3x vs 3x) and other travel (3x vs 3x).
The Wells Fargo Autograph Journey comes with 1 statement credit, the biggest being Annual Airline Statement Credit ($50/yr). The Wells Fargo Premier Autograph has 2 statement credits: Annual Airline Statement Credit ($50/yr) and Global Entry / TSA PreCheck Credit ($30/yr). All of these are face values, and a credit only really pays out if it covers something you were buying anyway.
Both cards carry cell phone protection, lost luggage, no foreign transaction fees, rental car collision coverage, travel accident insurance and trip cancellation. The Wells Fargo Premier Autograph also has extended warranty, purchase protection and trip delay, with no equivalent on the Wells Fargo Autograph Journey.
Wells Fargo Autograph Journey Card
Wells Fargo · $95 annual fee · earns Wells Fargo Rewards
Earning rates
- 5x Hotels, motels, campgrounds & timeshares
- 4x Airlines
- 3x Restaurants, bars, fast food & catering
- 3x Car rentals, cruises, travel agencies, campgrounds & timeshares
- 1x Everything else
Statement credits (1)
- Annual Airline Statement Credit — $50 statement credit each year on your first airline purchase of at least $50, booked directly with the airline.
Full Wells Fargo Autograph Journey Card breakdown — 6 more benefits on the full page.
Wells Fargo Premier Autograph Card
Wells Fargo · $95 annual fee · earns Wells Fargo Rewards
By invitation only — no public application; offered to qualifying relationship clients.
Earning rates
- 5x Hotels, motels & timeshares
- 4x Airlines
- 3x Restaurants, bars, fast food & catering
- 3x Car rentals, cruises, travel agencies, campgrounds & timeshares
- 1x Everything else
Statement credits (2)
- Annual Airline Statement Credit — $50 statement credit each year on your first airline purchase of at least $50.
- Global Entry / TSA PreCheck Credit — Up to $120 statement credit once every 4 years for a Global Entry or TSA PreCheck application/renewal fee.
Full Wells Fargo Premier Autograph Card breakdown — 9 more benefits on the full page.
Card data verified against issuer sources: Wells Fargo Autograph Journey Card on 2026-08-21, Wells Fargo Premier Autograph Card on 2026-08-27.
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