📌 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.
💡 Credit card travel insurance has limits
Credit card trip insurance typically doesn't cover medical emergencies abroad. For international trips, dedicated travel health insurance is recommended.
Browse travel health guides by country →
🌍 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
Planning a Trip? Let AI Build Your Itinerary
Tabiji creates personalized day-by-day travel itineraries — free, in seconds.
Get a Free Itinerary →