Wells Fargo Autograph Journey
The Wells Fargo Autograph Journey℠ Card is a travel rewards credit card designed for individuals seeking to maximize points on travel-related expenses. With competitive earning rates and flexible redemption options, it caters to frequent travelers who prefer booking directly with service providers.
Key Features:
• Rewards Structure:
• Earn 5 points per $1 spent on hotel purchases.
• Earn 4 points per $1 spent on airline purchases.
• Earn 3 points per $1 spent on restaurants and other travel expenses.
• Earn 1 point per $1 spent on all other purchases.
• Annual Fee: $95.
• Welcome Offer: Earn 60,000 bonus points after spending $4,000 in purchases within the first three months from account opening, redeemable for $600 toward travel.
Additional Benefits:
• $50 Annual Airline Statement Credit: Receive a $50 statement credit each year after making a minimum $50 airline purchase.
• Travel Protections:
• Trip Cancellation and Interruption Protection: Coverage up to $15,000 per trip for non-refundable expenses due to covered reasons.
• Lost Baggage Reimbursement: Up to $3,000 per trip for lost or damaged luggage.
• Auto Rental Collision Damage Waiver: Coverage for theft or damage to rental cars when the card is used for payment.
• Cell Phone Protection: Up to $1,000 per claim for damage or theft when paying the monthly cell phone bill with the card, subject to a $25 deductible.
• No Foreign Transaction Fees: Make purchases abroad without incurring additional fees.
Pros:
• High Rewards Rates: Competitive earning rates on hotels, airlines, and dining without requiring bookings through a specific portal.
• Flexible Redemption Options: Points can be redeemed for travel, statement credits, gift cards, or transferred to select airline and hotel partners.
• Valuable Travel Protections: Comprehensive coverage for trip cancellations, lost baggage, and rental car damage.
Cons:
• Limited Transfer Partners: Currently, the card offers a limited selection of transfer partners, which may restrict redemption flexibility.
• Annual Fee: The $95 fee may be a consideration for those who do not travel frequently enough to offset the cost.
• No Premium Travel Perks: Lacks luxury benefits such as airport lounge access or elite status with travel providers.
Considerations:
The Wells Fargo Autograph Journey℠ Card is well-suited for travelers who frequently book directly with airlines and hotels and can take advantage of the card’s high earning rates and travel protections. However, those seeking a broader range of transfer partners or premium travel perks may find other cards more aligned with their needs.