📌 At a Glance: Top Travel Perks
- No foreign transaction fees
- $50 annual airfare statement credit
- 5x points on hotels (booked directly)
- 4x points on airfare (booked directly with airlines)
- 3x points on other travel and dining
- Trip cancellation/interruption up to $15,000
- Lost baggage reimbursement up to $3,000
- Travel Accident Insurance (Visa Signature benefit)
Travel Benefits Breakdown
Here's exactly what you get — and what you don't — when you use the Wells Fargo Autograph Journey℠ Card for travel.
✈️ Lounge Access
This card does not include airport lounge access. Consider upgrading to a premium card or purchasing a Priority Pass membership separately.
🛂 Global Entry / TSA PreCheck Credit
No Global Entry or TSA PreCheck credit on this card.
⏱️ Trip Delay Insurance
Not included on this card. If your flight is delayed, you'll pay out of pocket for meals and hotels.
🚫 Trip Cancellation & Interruption
Reimburses up to $15,000/person (max $15,000/trip) if you must cancel or cut short your trip.
Covered reasons: illness, injury, severe weather, death of immediate family, jury duty
Up to $15,000 reimbursement per covered trip for trip cancellation and interruption when you pay for travel with this card.
🧳 Baggage Insurance
Lost/stolen/damaged baggage: Up to $3,000/person
Lost baggage reimbursement when travel is purchased with the card.
Baggage delay coverage: not included.
🏥 Emergency Medical & Evacuation
No dedicated emergency medical evacuation benefit.
🚗 Rental Car Insurance
Secondary coverage — you must file with your personal auto insurance first, then this card covers the remainder.
Covers: collision damage, theft
Excludes: liability, personal injury
Eligible countries: Worldwide
Auto Rental Collision Damage Waiver (secondary). Decline the CDW at the rental counter.
🌍 Foreign Transaction Fees
✅ No foreign transaction fees — use this card internationally without paying an extra 2–3% on every purchase.
💰 Annual Credits & Perks
- Airline fee credit: $50/year — $50 annual statement credit with a $50 minimum airline purchase. Available at the start of each anniversary year. Applies to airfare purchases directly with airlines.
- Cell Phone Protection: $1000/year — Up to $1,000 in coverage (maximum 2 claims per 12-month period, $25 deductible per claim) for cell phone damage or theft when you pay your monthly cell phone bill with this card.
Rewards Structure
1x Wells Fargo Rewards Points per $1 on all other purchases
Base rate on all purchases
5x on hotels booked directly with hotels; 4x on airfare booked directly with airlines; 3x on other travel
Travel purchases
3x points at restaurants
Dining
4x on airfare (direct with airlines)
3x on other travel and dining
Point / Mile Values
- Cash back / statement credit: ~1¢ per point
- Travel portal redemption: ~1¢ per point
- Transfer partners: Transfer partners include Aer Lingus, Air France/KLM, British Airways, Avianca, Singapore Airlines, Choice Hotels, and others at 1:1 ratio.
Pros & Cons for Travelers
👍 Pros
- ✅ No foreign transaction fees — safe to use internationally
- ✅ Rental car collision coverage (secondary)
- ✅ Trip cancellation coverage (up to $15,000/person)
- ✅ Low annual fee ($95) relative to benefits
👎 Cons
- ❌ No airport lounge access
- ❌ No trip delay insurance
- ❌ No Global Entry or TSA PreCheck credit
- ❌ No emergency medical evacuation coverage
🎯 Who Is This Card Best For?
Frequent travelers who want best-in-class hotel and airfare earning rates without booking through a portal, plus a $50 airline credit that nearly covers the annual fee
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