Is the Wells Fargo Autograph Journey Visa Credit Card worth the higher annual fee?

The Wells Fargo Autograph Journey Visa Credit Card costs $95/yr vs $0/yr for the Wells Fargo Active Cash Card. The higher fee that can offset the cost for frequent travelers.

Which card earns more rewards, the Wells Fargo Active Cash Card or Wells Fargo Autograph Journey Visa Credit Card?

The Wells Fargo Autograph Journey Visa Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Is the Wells Fargo Autograph Journey Visa Credit Card worth the higher annual fee?

The Wells Fargo Autograph Journey Visa Credit Card costs $95/yr vs $0/yr for the Wells Fargo Active Cash Card. The higher fee that can offset the cost for frequent travelers.

Which card earns more rewards, the Wells Fargo Active Cash Card or Wells Fargo Autograph Journey Visa Credit Card?

The Wells Fargo Autograph Journey Visa Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Is the Wells Fargo Autograph Journey Visa Credit Card worth the higher annual fee?

The Wells Fargo Autograph Journey Visa Credit Card costs $95/yr vs $0/yr for the Wells Fargo Active Cash Card. The higher fee that can offset the cost for frequent travelers.

Which card earns more rewards, the Wells Fargo Active Cash Card or Wells Fargo Autograph Journey Visa Credit Card?

The Wells Fargo Autograph Journey Visa Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Wells Fargo Active Cash Card vs Wells Fargo Autograph Journey Visa Credit Card

The Wells Fargo Active Cash 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.

Wells Fargo Active Cash Card

Wells Fargo

Wells Fargo Autograph Journey Visa Credit Card

Wells Fargo

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

—

60,000 Flex point

Earn Rates

Category	Wells Fargo Active Cash Card	Wells Fargo Autograph Journey Visa Credit Card
Hotels	1X	5X

Category-by-Category Winner

The Wells Fargo Autograph Journey Visa Credit Card wins in 8 of 8 categories. The Wells Fargo Active Cash Card leads in 0.

Hotels

Wells Fargo Autograph Journey Visa Credit Card earns 5X vs 1X

Airlines

Wells Fargo Autograph Journey Visa Credit Card earns 4X vs 1X

Flights

Wells Fargo Autograph Journey Visa Credit Card earns 4X vs 1X

Other Travel

Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1X

Gas Stations

Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1X

Transit

Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1X

Streaming

Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1X

Dining

Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1X

Is the Fee Difference Worth It?

The Bottom Line

The Wells Fargo Active Cash Card has a lower annual fee ($0 vs $95), making it the more accessible option.

Choose the Wells Fargo Active Cash 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.

Frequently Asked Questions

Is the Wells Fargo Autograph Journey Visa Credit Card worth the higher annual fee?: The Wells Fargo Autograph Journey Visa Credit Card costs $95/yr vs $0/yr for the Wells Fargo Active Cash Card. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the Wells Fargo Active Cash Card or Wells Fargo Autograph Journey Visa Credit Card?: The Wells Fargo Autograph Journey Visa Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Wells Fargo Active Cash Card or the Wells Fargo Autograph Journey Visa Credit Card?: Choose the Wells Fargo Active Cash Card if you want lower fees and solid rewards. Pick the Wells Fargo Autograph Journey Visa Credit Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Explore More

Wells Fargo Active Cash Card — Full Review All Wells Fargo Cards

Wells Fargo Autograph Journey Visa Credit Card — Full Review All Wells Fargo Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Wells Fargo cards

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.

Wells Fargo Active Cash Card vs Wells Fargo Autograph Journey Visa Credit Card

Wells Fargo Active Cash Card

Wells Fargo

Wells Fargo Autograph Journey Visa Credit Card

Wells Fargo

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

—

60,000 Flex point

Earn Rates

Category	Wells Fargo Active Cash Card	Wells Fargo Autograph Journey Visa Credit Card
Hotels	1X	5X

Category-by-Category Winner

The Wells Fargo Autograph Journey Visa Credit Card wins in 8 of 8 categories. The Wells Fargo Active Cash Card leads in 0.

Hotels

Wells Fargo Autograph Journey Visa Credit Card earns 5X vs 1X

Airlines

Wells Fargo Autograph Journey Visa Credit Card earns 4X vs 1X

Flights

Wells Fargo Autograph Journey Visa Credit Card earns 4X vs 1X

Other Travel

Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1X

Gas Stations

Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1X

Transit

Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1X

Streaming

Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1X

Dining

Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1X

Is the Fee Difference Worth It?

The Bottom Line

The Wells Fargo Active Cash Card has a lower annual fee ($0 vs $95), making it the more accessible option.

Frequently Asked Questions

Is the Wells Fargo Autograph Journey Visa Credit Card worth the higher annual fee?: The Wells Fargo Autograph Journey Visa Credit Card costs $95/yr vs $0/yr for the Wells Fargo Active Cash Card. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the Wells Fargo Active Cash Card or Wells Fargo Autograph Journey Visa Credit Card?: The Wells Fargo Autograph Journey Visa Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Wells Fargo Active Cash Card or the Wells Fargo Autograph Journey Visa Credit Card?: Choose the Wells Fargo Active Cash Card if you want lower fees and solid rewards. Pick the Wells Fargo Autograph Journey Visa Credit Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Explore More

Wells Fargo Active Cash Card — Full Review All Wells Fargo Cards

Wells Fargo Autograph Journey Visa Credit Card — Full Review All Wells Fargo Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Wells Fargo cards

Wells Fargo Active Cash Card vs Wells Fargo Autograph Journey Visa Credit Card

Wells Fargo Active Cash Card

Wells Fargo

Wells Fargo Autograph Journey Visa Credit Card

Wells Fargo

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

—

60,000 Flex point

Earn Rates

Category	Wells Fargo Active Cash Card	Wells Fargo Autograph Journey Visa Credit Card
Hotels	1X	5X

Category-by-Category Winner

The Wells Fargo Autograph Journey Visa Credit Card wins in 8 of 8 categories. The Wells Fargo Active Cash Card leads in 0.

Hotels

Wells Fargo Autograph Journey Visa Credit Card earns 5X vs 1X

Airlines

Wells Fargo Autograph Journey Visa Credit Card earns 4X vs 1X

Flights

Wells Fargo Autograph Journey Visa Credit Card earns 4X vs 1X

Other Travel

Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1X

Gas Stations

Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1X

Transit

Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1X

Streaming

Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1X

Dining

Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1X

Is the Fee Difference Worth It?

The Bottom Line

The Wells Fargo Active Cash Card has a lower annual fee ($0 vs $95), making it the more accessible option.

Frequently Asked Questions

Is the Wells Fargo Autograph Journey Visa Credit Card worth the higher annual fee?: The Wells Fargo Autograph Journey Visa Credit Card costs $95/yr vs $0/yr for the Wells Fargo Active Cash Card. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the Wells Fargo Active Cash Card or Wells Fargo Autograph Journey Visa Credit Card?: The Wells Fargo Autograph Journey Visa Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Wells Fargo Active Cash Card or the Wells Fargo Autograph Journey Visa Credit Card?: Choose the Wells Fargo Active Cash Card if you want lower fees and solid rewards. Pick the Wells Fargo Autograph Journey Visa Credit Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Explore More

Wells Fargo Active Cash Card — Full Review All Wells Fargo Cards

Wells Fargo Autograph Journey Visa Credit Card — Full Review All Wells Fargo Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Wells Fargo cards

Pros & Cons

Pros

+Unlimited 2% cash back on every purchase with no category limits
+No annual fee
+$200 welcome bonus after just $500 spend in 3 months
+0% intro APR for 12 months on purchases and balance transfers
+Cell phone protection up to $600 per claim when paying bill with 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

−3% foreign transaction fee makes it poor for international use
−No bonus categories - heavy dining/travel spenders earn less than category cards
−Points have no transfer partners (cash back only)
−Requires good to excellent credit
−Penalty APR of 29.99% for late payments

−$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

Pros & Cons

Pros

+Unlimited 2% cash back on every purchase with no category limits
+No annual fee
+$200 welcome bonus after just $500 spend in 3 months
+0% intro APR for 12 months on purchases and balance transfers
+Cell phone protection up to $600 per claim when paying bill with 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

−3% foreign transaction fee makes it poor for international use
−No bonus categories - heavy dining/travel spenders earn less than category cards
−Points have no transfer partners (cash back only)
−Requires good to excellent credit
−Penalty APR of 29.99% for late payments

−$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

Pros & Cons

Pros

+Unlimited 2% cash back on every purchase with no category limits
+No annual fee
+$200 welcome bonus after just $500 spend in 3 months
+0% intro APR for 12 months on purchases and balance transfers
+Cell phone protection up to $600 per claim when paying bill with 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

−3% foreign transaction fee makes it poor for international use
−No bonus categories - heavy dining/travel spenders earn less than category cards
−Points have no transfer partners (cash back only)
−Requires good to excellent credit
−Penalty APR of 29.99% for late payments

−$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

Wells Fargo Active Cash Card vs Wells Fargo Autograph Journey Visa Credit Card

Wells Fargo Active Cash Card

Wells Fargo Autograph Journey Visa Credit Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

The Bottom Line

Frequently Asked Questions

Explore More

Wells Fargo Active Cash Card vs Wells Fargo Autograph Journey Visa Credit Card

Wells Fargo Active Cash Card

Wells Fargo Autograph Journey Visa Credit Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

The Bottom Line

Frequently Asked Questions

Explore More

Wells Fargo Active Cash Card vs Wells Fargo Autograph Journey Visa Credit Card

Wells Fargo Active Cash Card

Wells Fargo Autograph Journey Visa Credit Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

The Bottom Line

Frequently Asked Questions

Explore More

Benefits & Features

Pros & Cons

What You Give Up

Which Card Is Right for You?

Benefits & Features

Pros & Cons

What You Give Up

Which Card Is Right for You?

Benefits & Features

Pros & Cons

What You Give Up

Which Card Is Right for You?