CardRewardsEditorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.
The IHG One Rewards Traveler Credit Card ($0/yr) is better for everyday value, while the Wells Fargo Autograph Journey Visa Credit Card ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | IHG One Rewards Traveler Credit Card | Wells Fargo Autograph Journey Visa Credit Card |
|---|---|---|
| Ihg Hotels | 17X |
The Wells Fargo Autograph Journey Visa Credit Card wins in 5 of 8 categories. The IHG One Rewards Traveler Credit Card leads in 3.
Ihg Hotels
IHG One Rewards Traveler Credit Card earns 17X vs 1X
Utilities
IHG One Rewards Traveler Credit Card earns 3X vs 1X
Hotels
Wells Fargo Autograph Journey Visa Credit Card earns 5X vs 2X
Airlines
Wells Fargo Autograph Journey Visa Credit Card earns 4X vs 2X
Flights
Wells Fargo Autograph Journey Visa Credit Card earns 4X vs 2X
Other Travel
Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 2X
Transit
Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 2X
Everyday purchases
IHG One Rewards Traveler Credit Card earns 2X on all other spending vs 1X
The IHG One Rewards Traveler Credit Card has a lower annual fee ($0 vs $95), making it the more accessible option.
For everyday spending, the IHG One Rewards Traveler Credit Card earns more with its 2X base rate.
Choose the IHG One Rewards Traveler Credit Card if you want solid rewards with a lower cost of entry. Choose the Wells Fargo Autograph Journey Visa Credit Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
The IHG One Rewards Traveler Credit Card ($0/yr) is better for everyday value, while the Wells Fargo Autograph Journey Visa Credit Card ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | IHG One Rewards Traveler Credit Card | Wells Fargo Autograph Journey Visa Credit Card |
|---|---|---|
| Ihg Hotels | 17X |
The Wells Fargo Autograph Journey Visa Credit Card wins in 5 of 8 categories. The IHG One Rewards Traveler Credit Card leads in 3.
Ihg Hotels
IHG One Rewards Traveler Credit Card earns 17X vs 1X
Utilities
IHG One Rewards Traveler Credit Card earns 3X vs 1X
Hotels
Wells Fargo Autograph Journey Visa Credit Card earns 5X vs 2X
Airlines
Wells Fargo Autograph Journey Visa Credit Card earns 4X vs 2X
Flights
Wells Fargo Autograph Journey Visa Credit Card earns 4X vs 2X
Other Travel
Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 2X
Transit
Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 2X
Everyday purchases
IHG One Rewards Traveler Credit Card earns 2X on all other spending vs 1X
The IHG One Rewards Traveler Credit Card has a lower annual fee ($0 vs $95), making it the more accessible option.
For everyday spending, the IHG One Rewards Traveler Credit Card earns more with its 2X base rate.
Choose the IHG One Rewards Traveler Credit Card if you want solid rewards with a lower cost of entry. Choose the Wells Fargo Autograph Journey Visa Credit Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
The IHG One Rewards Traveler Credit Card ($0/yr) is better for everyday value, while the Wells Fargo Autograph Journey Visa Credit Card ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | IHG One Rewards Traveler Credit Card | Wells Fargo Autograph Journey Visa Credit Card |
|---|---|---|
| Ihg Hotels | 17X |
The Wells Fargo Autograph Journey Visa Credit Card wins in 5 of 8 categories. The IHG One Rewards Traveler Credit Card leads in 3.
Ihg Hotels
IHG One Rewards Traveler Credit Card earns 17X vs 1X
Utilities
IHG One Rewards Traveler Credit Card earns 3X vs 1X
Hotels
Wells Fargo Autograph Journey Visa Credit Card earns 5X vs 2X
Airlines
Wells Fargo Autograph Journey Visa Credit Card earns 4X vs 2X
Flights
Wells Fargo Autograph Journey Visa Credit Card earns 4X vs 2X
Other Travel
Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 2X
Transit
Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 2X
Everyday purchases
IHG One Rewards Traveler Credit Card earns 2X on all other spending vs 1X
The IHG One Rewards Traveler Credit Card has a lower annual fee ($0 vs $95), making it the more accessible option.
For everyday spending, the IHG One Rewards Traveler Credit Card earns more with its 2X base rate.
Choose the IHG One Rewards Traveler Credit Card if you want solid rewards with a lower cost of entry. Choose the Wells Fargo Autograph Journey Visa Credit Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
| Hotels | 2X | 5X |
| Airlines | 2X | 4X |
| Flights | 2X | 4X |
| Dining | 3X | 3X |
| Gas Stations | 3X | 3X |
| Other Travel | 2X | 3X |
| Streaming | 3X | 3X |
| Transit | 2X | 3X |
| Utilities | 3X | 1X |
| Everything Else | 2X | 1X |
Network
Key Benefits
Pros
Cons
The Wells Fargo Autograph Journey Visa Credit Card costs $95/yr — that's $95 more than the IHG One Rewards Traveler Credit Card (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
Bottom line: The $95 difference is small enough that the Wells Fargo Autograph Journey Visa Credit Card's extra perks make it worth considering for most cardholders.
Get the IHG One Rewards Traveler Credit Card if you:
| Hotels | 2X | 5X |
| Airlines | 2X | 4X |
| Flights | 2X | 4X |
| Dining | 3X | 3X |
| Gas Stations | 3X | 3X |
| Other Travel | 2X | 3X |
| Streaming | 3X | 3X |
| Transit | 2X | 3X |
| Utilities | 3X | 1X |
| Everything Else | 2X | 1X |
Network
Key Benefits
Pros
Cons
The Wells Fargo Autograph Journey Visa Credit Card costs $95/yr — that's $95 more than the IHG One Rewards Traveler Credit Card (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
Bottom line: The $95 difference is small enough that the Wells Fargo Autograph Journey Visa Credit Card's extra perks make it worth considering for most cardholders.
Get the IHG One Rewards Traveler Credit Card if you:
| Hotels | 2X | 5X |
| Airlines | 2X | 4X |
| Flights | 2X | 4X |
| Dining | 3X | 3X |
| Gas Stations | 3X | 3X |
| Other Travel | 2X | 3X |
| Streaming | 3X | 3X |
| Transit | 2X | 3X |
| Utilities | 3X | 1X |
| Everything Else | 2X | 1X |
Network
Key Benefits
Pros
Cons
The Wells Fargo Autograph Journey Visa Credit Card costs $95/yr — that's $95 more than the IHG One Rewards Traveler Credit Card (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
Bottom line: The $95 difference is small enough that the Wells Fargo Autograph Journey Visa Credit Card's extra perks make it worth considering for most cardholders.
Get the IHG One Rewards Traveler Credit Card if you:
