Wells Fargo Autograph Journey

Earn 60,000 bonus points — worth $600 toward travel — after spending $4,000 in purchases within the first 3 months of account opening.

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.

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.

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.

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.

Get a $50 statement credit once per year on your first airline purchase of at least $50. Covers purchases at standard airline and air carrier merchants — charter and private jet flights don't qualify. The 12-month credit period starts the first day of the month after your annual fee is assessed.

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.

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.

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.

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.

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.

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.

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.

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.

Get up to $1,000 per claim if your cell phone is damaged, stolen, or unintentionally separated from you. Pay your monthly phone bill with the card to qualify, and a $25 deductible applies. Limited to two paid claims per 12-month period.

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.

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

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.

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.

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.

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.