| Category | Rate | Type | Cap |
|---|---|---|---|
|
Hotels
5x unlimited Wells Fargo Rewards points per $1 spent on hotel purchases billed directly by the hotel, classified under the applicable Visa hotel merchant code; does not include travel agency or portal bookings.
|
5x | Points | No cap |
|
Airlines
4x unlimited Wells Fargo Rewards points per $1 spent on airline purchases billed directly by the airline, classified under the applicable Visa airline merchant code; does not include travel agency or portal bookings.
|
4x | Points | No cap |
|
Restaurants
3x unlimited Wells Fargo Rewards points per $1 spent at restaurants, including fast food, bars, food delivery, and catering classified under the applicable Visa restaurant merchant code.
|
3x | Points | No cap |
|
Other Travel
3x unlimited Wells Fargo Rewards points per $1 spent on other travel purchases including car rentals, cruises, vacation packages, ferries, tolls, parking, transit, rideshares, and travel classified under applicable Visa travel merchant codes not covered by the 5x hotel or 4x airline categories.
|
3x | Points | No cap |
|
All Other Purchases
1x Wells Fargo Rewards point per $1 spent on all other net purchases not classified under a bonus earning merchant category; cash equivalents, fees, and cash advances do not earn points.
|
1x | Points | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
$50 Annual Airfare Statement Credit
Receive a $50 annual statement credit when you make a purchase of $50 or more directly with an airline using the Wells Fargo Autograph Journey℠ Card; credited once per year per account.
|
Credits |
$50/year
Up to $50
|
|
My Wells Fargo Deals
Cardholders have access to personalized cash back offers from select merchants through the My Wells Fargo Deals program; activated offers earn cash back as a statement credit when purchases are made with the eligible Wells Fargo card at participating merchants.
|
Credits | Variable cash back (statement credit) |
|
No Foreign Transaction Fee
Wells Fargo charges no foreign transaction fee on international purchases made with this card, making it suitable for international travel and purchases.
|
Financial |
$0
Up to $0
|
|
Cell Phone Protection
When the monthly wireless bill is paid with this card, cardholders receive coverage of up to $600 per claim against cell phone damage or theft, with a $25 deductible; limited to two paid claims per 12-month period. Coverage is supplemental and excess to other applicable insurance.
|
Insurance |
Up to $600 per claim
Up to $600
|
|
Free FICO® Credit Score Access
Cardholders can access their FICO® Score for free through their Wells Fargo Online account or mobile app on a monthly basis; checking does not impact the credit score.
|
Lifestyle | Complimentary |
|
Visa Signature Concierge Service
Cardholders have 24/7 access to a Visa Signature Concierge who can assist with travel bookings, restaurant reservations, event tickets, gift sourcing, and other personal assistance requests.
|
Lifestyle | Complimentary |
|
1x Points on All Other Purchases
Earn 1x Wells Fargo Rewards point per $1 spent on all other net purchases not classified under a bonus earning merchant category; cash equivalents, fees, and cash advances do not earn points.
|
Rewards | 1x points (unlimited) |
|
3x Points on Other Travel
Earn unlimited 3x Wells Fargo Rewards points per $1 spent on other travel purchases including car rentals, cruises, transit, rideshares, tolls, parking, and travel not covered by the 5x hotel or 4x airline categories.
|
Rewards | 3x points (unlimited) |
|
3x Points on Restaurants
Earn unlimited 3x Wells Fargo Rewards points per $1 spent at restaurants, including fast food, bars, food delivery, and catering classified under the applicable Visa restaurant merchant code.
|
Rewards | 3x points (unlimited) |
|
4x Points on Airlines
Earn unlimited 4x Wells Fargo Rewards points per $1 spent on airline purchases billed directly by the airline and classified under the applicable Visa merchant code; travel agency and portal bookings do not qualify.
|
Rewards | 4x points (unlimited) |
|
5x Points on Hotels
Earn unlimited 5x Wells Fargo Rewards points per $1 spent on hotel purchases billed directly by the hotel and classified under the applicable Visa merchant code; travel agency and portal bookings do not qualify.
|
Rewards | 5x points (unlimited) |
|
Transferable Points to Airline and Hotel Partners
Wells Fargo Rewards points can be transferred to ten airline and hotel loyalty programs: Aer Lingus, Air France-KLM Flying Blue, Avianca LifeMiles, British Airways Avios, Cathay Pacific Asia Miles, Iberia Avios, JetBlue TrueBlue, and Virgin Atlantic Flying Club at 1:1, and Choice Privileges and Wyndham Rewards at 1:2; no minimum transfer amount required.
|
Rewards | Complimentary |
|
Zero Liability Protection
Cardholders are not held responsible for unauthorized transactions made with their card or account information when reported promptly, subject to Wells Fargo's zero liability policy terms.
|
Security |
$0 liability
Up to $0
|
|
24/7 Roadside Dispatch
Cardholders have access to a 24/7 on-demand roadside dispatch network for emergency vehicle services including towing, fuel delivery, tire change, and locksmith services; no membership is required but cardholders are responsible for the cost of services rendered.
|
Travel | Complimentary dispatch access (services at cardholder's cost) |
|
Emergency Assistance Services
Cardholders have access to travel and emergency assistance services, including medical referrals, legal referrals, emergency cash disbursement, and emergency card replacement when traveling away from home.
|
Travel | Complimentary |
|
Lost Baggage Reimbursement
Provides reimbursement of up to $3,000 per covered trip for lost, stolen, or damaged baggage when the common carrier ticket is purchased with the card; secondary to any coverage provided by the carrier.
|
Travel |
Up to $3,000 per trip
Up to $3,000
|
|
Travel Accident Insurance
Provides accidental death and dismemberment coverage of up to $500,000 for the cardholder and immediate family members when common carrier travel is purchased with the card.
|
Travel |
Up to $500,000
Up to $500,000
|
|
Trip Cancellation and Interruption Protection
Reimburses up to $15,000 per occurrence for non-refundable prepaid travel expenses including transportation and lodging if a covered trip is cancelled or interrupted due to a covered reason such as illness, severe weather, or death; the ticket must be purchased with the card.
|
Travel |
Up to $15,000 per occurrence
Up to $15,000
|
|
Visa Signature Luxury Hotel Collection
Cardholders have access to the Visa Signature Luxury Hotel Collection, offering exclusive benefits at over 900 properties worldwide including best available rate guarantee, room upgrades when available, complimentary breakfast for two, and late checkout; bookings must be made through the Visa portal.
|
Travel | Complimentary |
