Credit Card

Complete guide to applying for the Wells Fargo Autograph Journey card

The Wells Fargo Autograph Journey Credit Card is an excellent choice for those looking to maximize their travel and entertainment rewards. This card, launched as a premium version of the popular Wells Fargo Autograph, offers an attractive combination of rewards points, cell phone protection, introductory bonuses and other benefits.

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Let’s explore in detail how to apply for this card, understand its fees, rewards, and more.

How to Request

Applying for the Wells Fargo Autograph Journey Card is simple and can be done online or at a Wells Fargo branch. Here are the detailed steps:

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Wells Fargo Autograph Journey card

Online :

  1. Access the Website: Go to the official Wells Fargo website.
  2. Select Card: Find the Wells Fargo Autograph Journey in the credit cards section.
  3. Fill out the Form: Click “Apply Now” and provide your personal and financial information.
  4. Submit the Request: Submit your request and wait for approval, which may be immediate or take a few days.

At an Agency :

  1. Visit a Branch: Go to your nearest Wells Fargo branch.
  2. Request a Form: Get a credit card application form.
  3. Complete and Submit: Complete the form and submit it to the bank representative.
  4. Wait for Approval: Approval may be immediate or take a few days, depending on the credit analysis.

Fees

Fees associated with the Wells Fargo Autograph Journey Card include:

  • Annual fee: $95.
  • Introductory APR: 0% APR on purchases for 12 months from account opening. After this period, the rate varies between 20.24%, 25.24% or 29.99%, depending on your credit.
  • Balance Transfer Fees: Balance transfer fees may apply, typically 3% of the amount transferred.
  • Cash Withdrawal Fees: Cash withdrawals from your card generally have a fee of 5% of the amount withdrawn or a fixed minimum amount, whichever is greater.

Rewards

The Wells Fargo Autograph Journey rewards program is one of the most competitive, with generous points in several categories:

  • 5 points per dollar on hotels​.
  • 4 points per dollar on airline tickets.
  • 3 points per dollar on other travel and dining expenses.
  • 1 point per dollar on all other purchases.

Points can be redeemed in a variety of ways, including travel, gift cards, statement credits and online partner purchases.

Introduction Bonus

New cardholders can earn a substantial intro bonus:

  • 60,000 bonus points when you spend $4,000 in the first three months. This bonus is equivalent to $600 in redemption value for travel or other reward options.

Cell Phone Protection

Cell Phone Protection is a significant benefit of the card:

  • Coverage: Up to $1,000 per occurrence of cell phone damage or theft.
  • Deductible: $25 per claim.
  • Claim Limit: Up to two claims per year, with a maximum of $2,000 in coverage per 12-month period.

To be eligible, you must pay your monthly cell phone bill with your Wells Fargo Autograph Journey card.

Foreign Transaction Fees

One of the biggest attractions of this card for travelers is the absence of foreign transaction fees:

  • No Fees: No additional fees will be charged for purchases made outside of the United States, making it ideal for international travelers.

Points Transfer Partnerships

Points earned with Wells Fargo Autograph Journey can be transferred to partner loyalty programs, increasing the potential value of rewards. Partners included:

  • Choice Privileges
  • Air France-KLM Flying Blue
  • British Airways Executive Club

Is it Worth Applying for the Wells Fargo Autograph Journey Card?

The Wells Fargo Autograph Journey is an excellent choice for consumers who spend frequently on travel and entertainment. The high reward rates, generous intro bonus, and no foreign transaction fees are significant advantages. However, the $95 annual fee and need for a good credit score may be obstacles for some.

Final considerations:

  • Pros: Generous rewards, cell phone protection, no foreign transaction fees, points transfer partnerships.
  • Cons: $95 annual fee, good to excellent credit requirements.

If you fit the spending profile and meet the credit requirements, the Wells Fargo Autograph Journey is definitely an option to consider.

Contact Wells Fargo Autograph Journey

For more information or assistance, contact Wells Fargo customer service:

  • Telephone: 1-800-869-3557.
  • Online: Visit the official Wells Fargo website and access the customer service section for chat support.
  • Branches: Go to a Wells Fargo branch for in-person service.

The Wells Fargo Autograph Journey Credit Card offers a robust combination of rewards and benefits that make it an attractive option for many consumers, especially those who regularly spend on travel and entertainment.

With a generous intro bonus, high rewards rates, and several additional benefits, this card can be an excellent addition to your wallet as long as you meet the credit requirements and are willing to pay the annual fee.

Evaluate your spending habits and personal needs to decide if this card is right for you.

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