Autograph Journey Card

Wells Fargo · VISA SIGNATURE · annual fee $95

The Wallet Audit values statement credits at what a typical person actually captures rather than at their advertised ceiling, and gives each rewards currency a single honest cents-per-point figure.

Earn rates

• 5× Hotels
• 4× Airlines
• 3× Restaurants
• 3× Other travel: car rentals, cruises, transit
• 1× Everything else

Statement credits, at their advertised value

• Annual Airline Credit, up to $50 a year

Advertised total $50 a year. This page shows a realistic estimate for each of these instead, which is usually lower, plus sliders to set your own figures.

No foreign transaction fee.

Purchase APR: 19.49%, 25.49%, or 28.49% (based on creditworthiness)

The verdict, the realistic credit values, the points valuation and the earn-rate breakdown are on the card's page. Open https://thewalletaudit.com/cards/wells-fargo-autograph-journey.