#5 of our cards for dining value

Wells Fargo Autograph Journey Visa Credit Card: 3x points at every restaurant

At restaurants
3x points
$100 dinner
≈$4.35
at 1.45¢ a point, our valuation as of Jan 2026
Annual fee
$95
Dining perks
0
Wells Fargo Autograph Journey Visa Credit Card

No restaurant perks, 3x points everywhere

This card has no restaurant-specific perk in its published benefits. It ranks #5 for dining because it earns 3x Wells Fargo Rewards points at every restaurant.

Where a dining program pays on top: 42,105 restaurants in 5,014 cities

Each link opens that city's restaurant map; pick this card there to see what it earns at each one.

8 restaurants where it earns the most

With this card selected: the rate it earns tonight, and up to what a dining program adds after you join.

  • Mexican · $$ · Cumberland Bridge

    Wells Fargo Autograph Journey Visa Credit Card · 23% with Upside

    Upside19%Hilton Honors Dining8xIHG Dine & Earn8x+10 more
  • Italian · $$ · Little Italy

    Wells Fargo Autograph Journey Visa Credit Card · 23% with Upside

    Upside19%Hilton Honors Dining8xIHG Dine & Earn8x+10 more
  • Thai · $$$ · Claremont

    Wells Fargo Autograph Journey Visa Credit Card · 23% with Upside

    Upside19%Hilton Honors Dining8xIHG Dine & Earn8x+10 more
  • Rooftop Lounge · $ · Long island City

    Wells Fargo Autograph Journey Visa Credit Card · 23% with Upside

    inKind20%Upside19%Hilton Honors Dining8x+11 more
  • American · $ · Union Market

    Wells Fargo Autograph Journey Visa Credit Card · 20% with inKind

    inKind20%Hilton Honors Dining8xIHG Dine & Earn8x+8 more
  • Gastropub · Glens Falls, NY

    Wells Fargo Autograph Journey Visa Credit Card · 20% with inKind

    inKind20%
  • Plumsted

    Wells Fargo Autograph Journey Visa Credit Card · 20% with inKind

    inKind20%

13 dining programs this card can earn on top

What a $100 dinner earns with the card linked to each program, at the program's new-member tier. Linking is a step you take once: until then the card earns only its own rate.

Best pairing: inKind. Tonight this card earns ≈$4.35 (4.3%) on a $100 dinner; after you join inKind and link it, ≈$20.00 (20%).

  1. inKindinKind diner · 20% back≈$20.0020%10,317 restaurants
  2. Rakuten DiningMember · 5% back≈$9.859.8%20,618 restaurants
  3. Eat Around TownBonvoy member · 4 points per $1≈$7.157.1%+400 Marriott Bonvoy points · 22,318 restaurants
  4. Bilt DiningBilt member · 1 point per $1≈$6.356.3%+100 Bilt Points · 16,541 restaurants
  5. TrueBlue DiningMember · 1 point per $1≈$5.705.7%+100 TrueBlue points · 21,648 restaurants
  6. AAdvantage DiningBasic · 1 mile per $1≈$5.655.6%+100 AAdvantage miles · 22,276 restaurants
  7. Hilton Honors DiningBasic · 2 points per $1≈$5.155.1%+200 Hilton Honors Bonus Points · 21,555 restaurants
  8. Atmos Rewards DiningBasic · 0.5 points per $1≈$5.105.1%+50 Atmos Rewards points · 21,189 restaurants
  9. Dine Out with WyndhamMember · 1 point per $1≈$5.055%+100 Wyndham Rewards points · 21,637 restaurants
  10. Rapid Rewards DiningMember · 0.5 points per $1≈$4.985%+50 Rapid Rewards points · 21,667 restaurants
  11. IHG Dine & EarnBasic · 1 point per $1≈$4.954.9%+100 IHG One Rewards points · 21,864 restaurants
  12. MileagePlus DiningBasic · 0.5 miles per $1≈$4.954.9%+50 MileagePlus miles · 22,377 restaurants
  13. SkyMiles DiningMember · 0.5 miles per $1≈$4.954.9%+50 SkyMiles · 22,047 restaurants

Rewards Network programs are one per card: pick one of 11 for this card.

2 alternatives for dining

See the top 20

Some restaurant addresses, phone numbers, websites and cuisines come from Overture Maps Foundation open data (Meta and Microsoft, CDLA Permissive 2.0; Foursquare, Apache 2.0; AllThePlaces, CC0 1.0). Overture attribution Some neighbourhoods come from Who's On First boundaries (CC-BY 4.0). Who's On First licenses Some opening hours, phone numbers, websites and cuisines are © OpenStreetMap contributors (ODbL 1.0). OpenStreetMap copyright

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.