Wells Fargo Autograph vs. Autograph Journey – No Annual Fee or Better Rewards?

When should you choose the Wells Fargo Autograph℠?

The Wells Fargo Autograph credit card offers several benefits that make it an attractive option for many consumers. Below are some reasons why you might consider getting this card.

1. Generous rewards program: The Wells Fargo Autograph card offers a lucrative rewards structure, allowing you to earn points on a variety of everyday purchases. A breakdown is as follows:

• 3x points on dining, travel, gas stations, transit, popular streaming services, and phone plans
• 1x points on other purchases

2. Sign-up bonus: New cardholders often receive a substantial sign-up bonus (20,000 points when you spend $1,000 in the first three months), which can significantly boost your points balance right off the bat.

3. No annual fee: One of the standout features of the Wells Fargo Autograph card is that it comes with no annual fee. This makes it a cost-effective option for those who want to earn rewards without the burden of yearly charges.

4. Introductory APR offer: The card includes a 0% introductory APR period for purchases, which can help you manage your finances more effectively and save money.

5. Travel benefits: For frequent travelers, the Wells Fargo Autograph card offers the following perks:

• No foreign transaction fees, which can save you money when making purchases abroad
• Travel protection benefits, including auto rental collision damage waiver and travel accident insurance

6. Cell phone protection: When you pay your monthly cell phone bill with the Wells Fargo Autograph card, you can enjoy coverage against damage or theft, which can save you money on repairs or replacements.

7. Flexible redemption options: Points earned with the Wells Fargo Autograph card can be redeemed in various ways, including travel, transfer partners, cash back, statement credits, gift cards, and merchandise. This flexibility allows you to choose the rewards that best suit your needs.

When should you choose Wells Fargo Autograph Journey?

As outlined below, the Wells Fargo Autograph Journey credit card has a variety of benefits tailored to frequent travelers, making this a good credit card for their wallets.

1. Rewards program focus on travel: The Wells Fargo Autograph Journey card offers a lucrative rewards structure focused on travel purchases, which is ideal for those who travel frequently.

• 5x points on hotels
• 4x points on airlines
• 3x points on restaurants and other travel
• 1x points on other purchases

2. Sign-up bonus: New cardholders often receive a substantial sign-up bonus (60,000 points when you spend $4,000 in the first three months), which can provide a substantial boost to your initial rewards.

3. Travel benefits and perks: For frequent travelers, the Wells Fargo Autograph Journey card offers the following perks:

• No foreign transaction fees, which can save you money when making purchases abroad
• Travel protection benefits, including auto rental collision damage waiver, worldwide automatic common carrier travel accident insurance, lost baggage reimbursement, trip cancellation and interruption insurance, and more

4. Cell phone protection: When you pay your monthly cell phone bill with the Wells Fargo Autograph Journey card, you can enjoy coverage against damage or theft, which can save you money on repairs or replacements.

5. Flexible redemption options: Points earned with the Wells Fargo Autograph Journey card can be redeemed in various ways, including travel, transfer partners, cash back, statement credits, gift cards, and merchandise.