Wells Fargo Autograph Journey℠ Card: annual fee, APR and rewards

Fact sheet for the Wells Fargo Autograph Journey℠ Card, issued by Wells Fargo, with a $95 annual fee and points. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	Wells Fargo
Network	Visa
Annual fee	$95 a year
Rewards	Points: 5X points with hotels, 4X points with airlines, 3X points on other travel and restaurants; 1X points on other purchases
Purchase APR	19.74%, 25.74%, or 28.74%, based on your creditworthiness. This APR will vary with the market based on the U.S. Prime Rate.
Balance transfer fee	Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5
Sign-up bonus	Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months
Foreign transaction fee	None
Credit level	Excellent, Good (tiers the issuer reports to the CFPB)

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 28.49%, with a range of 19.49% to 28.49%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.