American Express Green Card vs Wells Fargo Autograph Journey Visa Credit Card
Annual fees: American Express Green Card $150/yr, Wells Fargo Autograph Journey Visa Credit Card $95/yr. Strongest bonus categories: American Express Green Card on travel, Wells Fargo Autograph Journey Visa Credit Card on hotels.
Card data as of October 12, 2026.
American Express Green CardAmerican Express · $150/yr
Wells Fargo Autograph Journey Visa Credit CardWells Fargo · $95/yr
Overview
- Annual fee
- American Express Green Card$150Wells Fargo Autograph Journey Visa Credit Card$95Lowest
- Welcome offerCurrent public offer
- American Express Green Card40,000 pointsWells Fargo Autograph Journey Visa Credit Card60,000 points
- Rewards
- American Express Green CardAmerican Express Membership RewardsWells Fargo Autograph Journey Visa Credit CardWells Fargo Go Far Rewards
- Foreign transaction fee
- American Express Green CardNoneWells Fargo Autograph Journey Visa Credit CardNone
- Network
- American Express Green CardAmerican ExpressWells Fargo Autograph Journey Visa Credit CardVisa Signature
Earn ratesPer $1 spent
- Hotels
- American Express Green Card1xWells Fargo Autograph Journey Visa Credit Card5xHighest
- Flights
- American Express Green Card1xWells Fargo Autograph Journey Visa Credit Card4xHighest
- Dining
- American Express Green Card3xWells Fargo Autograph Journey Visa Credit Card3x
- Ridesharing
- American Express Green Card3xHighestWells Fargo Autograph Journey Visa Credit Card1x
- Transit
- American Express Green Card3xHighestWells Fargo Autograph Journey Visa Credit Card1x
- Travel
- American Express Green Card3xWells Fargo Autograph Journey Visa Credit Card3x
- Everything else
- American Express Green Card1xWells Fargo Autograph Journey Visa Credit Card1x
Statement creditsAs the issuer states them · — means none on record
- Travel
- American Express Green Card
- $100 LoungeBuddy credit
Wells Fargo Autograph Journey Visa Credit Card- $50 airline credit
Perks & access— means none on record
- Hotel status & programs
- American Express Green Card—Wells Fargo Autograph Journey Visa Credit Card
- 900+ luxury hotel properties with exclusive perks
- Other perks
- American Express Green Card
- Amex Offers
- Early access to concerts and events
- 24/7 global travel assistance
Wells Fargo Autograph Journey Visa Credit Card- Visa Signature concierge
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- American Express Green Card
- Trip delay coverage up to $300 per trip after 12 hours
Wells Fargo Autograph Journey Visa Credit Card- Up to $15,000 per traveler trip cancellation coverage
- Baggage
- American Express Green Card
- Baggage insurance up to $1,250 for carry-on, $500 checked
Wells Fargo Autograph Journey Visa Credit Card- Up to $3,000 lost luggage coverage per trip
- Rental car
- American Express Green Card
- Car rental insurance up to $50,000 for theft or damage
Wells Fargo Autograph Journey Visa Credit Card- Auto rental collision damage waiver
- Purchase & returns
- American Express Green Card
- Purchase protection up to $1,000 per item for 90 days
- Return protection up to $300 per item within 90 days
Wells Fargo Autograph Journey Visa Credit Card- Zero liability protection
- Extended warranty
- American Express Green Card
- Extended warranty adds 1 year to eligible purchases · up to $10,000
Wells Fargo Autograph Journey Visa Credit Card— - Cell phone
- American Express Green Card—Wells Fargo Autograph Journey Visa Credit Card
- Cellular Telephone Protection · up to $1,000
- Other protections
- American Express Green Card
- Zero liability protection on fraudulent charges
Wells Fargo Autograph Journey Visa Credit Card- Credit Close-up monitoring
- Travel and Emergency Services Assistance
- Emergency Cash Disbursement and Card Replacement
- Roadside Dispatch®
Pros & cons
- Pros
- American Express Green Card
- 3X on travel, transit, and dining worldwide covers most everyday spending
- CLEAR Plus statement credit helps offset the $150 annual fee for CLEAR users
- $100 LoungeBuddy credit provides flexible airport lounge access
- No foreign transaction fees for international travel
- Made from reclaimed ocean plastic (environmentally friendly)
Wells Fargo Autograph Journey Visa Credit Card- 5x on hotels booked direct and 4x on airlines - among highest travel earn rates
- 1:1 transfer partners including British Airways, Flying Blue, JetBlue, Virgin Atlantic
- $50 annual airline credit covers most of the $95 fee
- Comprehensive travel insurance (trip cancellation, lost luggage, CDW)
- Cell phone protection up to $1,000 with $25 deductible
- Cons
- American Express Green Card
- $150 annual fee is not waived first year
- No direct lounge network membership (LoungeBuddy is pay-per-use)
- CLEAR credit has limited value outside major airports
- Lower-tier welcome bonus compared to Gold or Platinum
- $35 authorized user fee adds up for multi-card households
Wells Fargo Autograph Journey Visa Credit Card- $95 annual fee (though offset by airline credit)
- Fewer transfer partners than Chase or Amex
- Must book hotels directly to earn 5x (not through OTAs)
- No lounge access
- Welcome offer requires $4,000 spend in 3 months
Category-by-Category Winner
Both cards win in 2 categories each — it comes down to which categories matter most to you.
Transit
American Express Green Card earns 3X vs 1X
Ridesharing
American Express Green Card earns 3X vs 1X
Hotels
Wells Fargo Autograph Journey Visa Credit Card earns 5X vs 1X
Flights
Wells Fargo Autograph Journey Visa Credit Card earns 4X vs 1X
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Close — depends on how much of the credits you use
| Scenario | American Express Green Card | Wells Fargo Autograph Journey Visa Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $270 Credits (our usable estimate): $60 − Annual fee ($150) Ongoing: $180 Year one: $780 | Rewards: $261 Credits (our usable estimate): $25 − Annual fee ($95) Ongoing: $191 Year one: $1,061 | Close — depends on how much of the credits you use | Wells Fargo Autograph Journey Visa Credit Card |
| Heavy spender: $4,000/month | Rewards: $1,080 Credits (our usable estimate): $60 − Annual fee ($150) Ongoing: $990 Year one: $1,590 | Rewards: $1,044 Credits (our usable estimate): $25 − Annual fee ($95) Ongoing: $974 Year one: $1,844 | Close — depends on how much of the credits you use | Wells Fargo Autograph Journey Visa Credit Card |
Is the Fee Difference Worth It?
The American Express Green Card costs $150/yr — that's $55 more than the Wells Fargo Autograph Journey Visa Credit Card ($95/yr). To justify that gap, you need to extract at least $55 in annual value from the card's higher earn rates and benefits.
The American Express Green Card includes lounge access. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $55 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $55 fee gap means the American Express Green Card needs roughly $55 more in annual rewards (or credits you will use) to break even on travel and transit and everyday spend.
What You Give Up
Choosing one card means missing out on these benefits from the other.
Choosing Wells Fargo Autograph Journey Visa Credit Card means losing:
- -Airport lounge access
Which Card Is Right for You?
Get the American Express Green Card if you:
- +Fly frequently and value airport lounge access
The Bottom Line
Close — depends on how much of the credits you use
Published annual fees: American Express Green Card $150/yr, Wells Fargo Autograph Journey Visa Credit Card $95/yr — a $55 difference before welcome offers and credits.
Frequently Asked Questions
- Is the American Express Green Card worth the higher annual fee?
- The American Express Green Card costs $150/yr vs $95/yr for the Wells Fargo Autograph Journey Visa Credit Card. Compare the year-one vs ongoing value table on this page — the $55 gap must be offset by higher earn rates, welcome offers, or credits you will use (the American Express Green Card also lists lounge access).
- Which card earns more rewards, the American Express Green Card or Wells Fargo Autograph Journey Visa Credit Card?
- Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
- What benefits does the American Express Green Card have that the Wells Fargo Autograph Journey Visa Credit Card doesn't?
- The American Express Green Card offers lounge access. The Wells Fargo Autograph Journey Visa Credit Card offers travel credits, cell phone protection.
- Should I get the American Express Green Card or the Wells Fargo Autograph Journey Visa Credit Card?
- Use the spend scenarios on this page: the Wells Fargo Autograph Journey Visa Credit Card has a lower $95/yr fee; the American Express Green Card must earn enough extra (or offer a larger welcome bonus) to justify $150/yr.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.