Wells Fargo Autograph Journey Benefits, Credits & Annual Fee

• Annual Airline Statement Credit$50 / yrTrackableMin charge $50

  Get a $50 statement credit once per year on your first airline purchase of at least $50. For the first year the credit is available at account opening. After that, the 12-month annual airline credit period begins the first day of the month after your annual fee is assessed, then renews every 12 months (not January 1).

  Resets: Card anniversaryChecked Sep 14, 2026

Travel Benefits

• 24-Hour Roadside Dispatch

  Get 24/7 access to roadside assistance - including towing, jump-starts, and lockout help - with no membership required. Call 1-800-847-2869 when you need help. You're responsible for the cost of any services provided.

  Checked Oct 9, 2026
• Visa Signature Luxury Hotel Collection Benefits

  Get access to a curated set of upscale hotels worldwide that offer perks such as room upgrades, complimentary breakfast, and late checkout when you book through the Visa Signature Luxury Hotel Collection.

  Checked Jul 4, 2026
• Points Transfer to Airline & Hotel Programs

  Transfer your Wells Fargo Rewards points directly to select airline and hotel loyalty programs to use for flights, hotel stays, and more. Partners include multiple airlines at a 1:1 ratio and hotel programs at a 1:2 ratio. Initiate transfers through your Wells Fargo online account.

  Checked Jul 4, 2026
• Travel and Emergency Services Assistance

  Get referrals and coordination for emergency medical, legal, and travel services anywhere in the world, 24/7. Call 1-800-992-6029 in the U.S., or collect at 1-804-673-1675 from abroad. You're responsible for the cost of any actual services arranged.

  Checked Oct 9, 2026
• Travel Rewards Booking

  Use rewards to pay for part or all of a trip booked through Wells Fargo Rewards. Search and book travel through the rewards booking portal, then apply your points at checkout. The option applies to travel available for booking through Wells Fargo Rewards.

  Checked Oct 7, 2026

Rental Car

• Auto Rental Collision Damage Waiver

  Covers damage or theft on rental cars when you pay for the rental with your card and decline the rental company's collision coverage. Coverage is secondary to any personal auto insurance you carry.

  Checked Oct 7, 2026

Travel Insurance

• Worldwide Automatic Common Carrier Travel Accident Insurance

  Covers up to $1,000,000 in accidental death or dismemberment when traveling on a common carrier. Pay for your airline or other common carrier ticket with your card to activate coverage automatically.

  Checked Sep 26, 2026
• Lost Baggage Reimbursement

  Covers up to $3,000 per trip if a common carrier loses or misdirects your checked or carry-on bags. Pay for your travel with the card to be eligible for reimbursement.

  Checked Sep 26, 2026
• Trip Cancellation / Trip Interruption Protection

  Reimburses up to $15,000 for prepaid, non-refundable lodging, flights, and activities if your trip is canceled or cut short for a covered reason. Pay for the trip with your card to activate protection.

  Checked Sep 26, 2026

Bonus Earnings

• 5x Points on Hotels5x points

  Earn 5 points per $1 on hotel purchases - the highest earning rate on the card. Book directly with hotels to earn at this rate. It applies specifically to hotel spending, with other travel categories earning fewer points per dollar.

  Checked Sep 14, 2026
• 4x Points on Flights4x points

  Earn 4 points per $1 on flight purchases. For the best chance of earning at this rate, book directly through the airline rather than a third-party travel site or booking portal.

  Checked Sep 14, 2026
• 3x Points on Other Travel and Restaurants3x points

  Earn 3 points per $1 at restaurants and on other travel purchases beyond hotels and airlines, such as car rentals, cruises, and transit. Restaurant purchases worldwide qualify, making this a solid rate for everyday dining as well as varied travel spending.

  Checked Oct 1, 2026
• 1x Base Points Earning on Other Purchases1x points

  Earn 1 point per $1 on all purchases that don't fall into a higher-earning bonus category. This base rate applies automatically to any eligible transaction with no enrollment needed and no limit on the points you can accumulate.

  Checked Sep 14, 2026

Purchase Protection

• Zero Liability Protection

  You won't be held responsible for unauthorized charges made on your card. Report any suspicious activity promptly to keep your protection in place.

  Checked Oct 9, 2026
• Cell Phone Protection

  Pay your monthly cell phone bill with this card to get coverage if your phone is stolen or damaged. You can be reimbursed up to $1,000 per claim, subject to a $25 deductible, with a maximum of two approved claims per 12-month period.

  Checked Jul 4, 2026
• Cellular Telephone Protection

  Get up to $1,000 in cell phone protection against damage, theft, or unintended separation. Submit a claim for a covered incident with the required documentation. A $25 deductible applies, and coverage is subject to the benefit terms.

  Checked Oct 9, 2026

Concierge & Membership

• Visa Signature Concierge Services

  Get a complimentary, 24/7 concierge that can book travel, secure event and entertainment tickets, and make dinner reservations on your behalf. Call or connect anytime - there's no fee for the service itself, though ticket or booking costs are yours to cover.

  Checked Jul 4, 2026
• Emergency Cash Disbursement and Card Replacement

  Get help replacing your Visa credit card or obtaining an emergency cash advance if needed. Contact Visa for assistance; after issuer approval, replacement or disbursement can take one to three business days. Cash advances are subject to applicable account fees and interest.

  Checked Oct 9, 2026

Fees & Miscellaneous

• Autograph Card Exclusives

  Get access to tickets for live events at intimate venues featuring popular artists, available exclusively to Wells Fargo Autograph cardholders. These events are designed to put you closer to the performers than standard public ticketing allows.

  Checked Jul 4, 2026
• Charitable Donation Redemptions

  Redeem rewards points for charitable donations. Check the donation options in your Wells Fargo Rewards account and select an available charity to use your points. Available charities and redemption amounts depend on the options shown when you redeem.

  Checked Oct 7, 2026
• Gift Card Redemptions

  Redeem rewards points for gift cards from more than 250 merchants. Choose a gift card through your rewards redemption options, including e-gift cards starting at $10. Available merchants and gift card amounts depend on the redemption options shown.

  Checked Oct 7, 2026
• My Wells Fargo Deals

  Get personalized cash-back deals from a rotating set of merchants when you shop, dine, or book experiences. Activate an offer, pay with your eligible Wells Fargo card, and the cash back posts automatically as an account credit.

  Checked Jul 4, 2026
• No Foreign Transaction Fee

  Pay no extra fee when using your card for purchases outside the U.S. - international transactions are converted to U.S. dollars at no added charge.

  Checked Jul 4, 2026
• Pay with Rewards

  Use rewards points to pay for all or part of an eligible purchase at PayPal checkout. Select the option to use points when you check out with PayPal. Only eligible purchases can be paid for with points.

  Checked Oct 7, 2026
• Redeem for Purchases

  Use rewards points toward a past eligible purchase. Find a qualifying transaction in your rewards redemption options and apply points toward its cost. Not every past purchase qualifies for this redemption option.

  Checked Oct 7, 2026
• Redeem to Account

  Redeem rewards points as a credit to an eligible Wells Fargo account. Select an eligible Wells Fargo credit card or checking account when you redeem your points. The account must qualify for this redemption option.

  Checked Oct 7, 2026