Wells Fargo · Visa · personal · Wells Fargo Rewards
Review the linked sources below for offer details and eligibility.
Earning
| Hotels (booked direct)
Issuer wording: 'hotels' (hotel/motel merchant category). Timeshares are excluded from 5X and earn 3X as other travel.
|
5x | 8% |
| Airfare (booked direct)
Issuer wording: 'airlines' (airlines and air carriers merchant category). Charter/private flights excluded.
|
4x | 6.4% |
| Travel (general)
Issuer wording: 'other travel' (timeshares, vehicle/auto rental, cruise lines, travel agencies, discount travel sites, campgrounds).
|
3x | 4.8% |
| Dining & restaurants
Issuer wording: 'restaurants' (eating places, restaurants, drinking places, fast food, caterers). Bakeries, restaurants inside grocery stores and third-party delivery services do not earn the bonus.
|
3x | 4.8% |
| Food delivery apps
Third-party delivery services are excluded from the 3X restaurants category per issuer terms.
|
1x | 1.6% |
| Everything else | 1x | 1.6% |
Right column: value per $ at travel valuation (1.6¢/pt). 1¢ cash; transfers (Autograph cards) to Air France-KLM, Avianca, BA, Iberia, Virgin, Choice.
Credits
- $50 Airline statement credit /anniversary · easy to useEach year a one-time $50 statement credit when the card is used for the first airline purchase of $50+ (airline/air carrier merchant category; charter and private flights excluded). The 12-month credit period begins the first day of the month after the annual fee is assessed. No enrollment.
Benefits
- No foreign transaction fees
- Transfers to Wells Fargo partners — 1:1 to Aer Lingus AerClub, Air France-KLM Flying Blue, Avianca LifeMiles, British Airways Club, Cathay, Iberia Club, JetBlue TrueBlue, Virgin Atlantic Flying Club/Virgin Red; 1:2 to Choice Privileges and Wyndham Rewards (per TPG, May 2026).
- Cell phone protection — Up to $1,000 per claim, $2,000 / 2 claims per 12 months, $25 deductible; pay the monthly bill with the card.
- Trip cancellation / interruption — Up to $15,000 per covered traveler per trip, $20,000 per account per 12 months (secondary).
- Lost luggage reimbursement — Up to $3,000 per trip (secondary).
- Secondary rental car CDW — Secondary in the U.S. (max 15 days), primary outside the U.S. (max 31 days), up to $50,000.
- Travel accident insurance — Up to $1,000,000 common carrier.
- Roadside Dispatch — Pay-per-use 24/7 roadside dispatch.
- Visa Signature Concierge — 24/7 Visa Signature Concierge; Visa Signature Luxury Hotel Collection perks.
- Autograph Card Exclusives — Priority access to event tickets; My Wells Fargo Deals card-linked offers.
Protections
| trip cancellation | Up to $15,000 per covered traveler per trip / $20,000 per account per 12 months (secondary) |
| lost luggage | Up to $3,000 per trip (secondary) |
| rental car | secondary |
| cell phone | Up to $1,000 per claim, $2,000 / 2 claims per 12 months, $25 deductible |
| roadside | Roadside Dispatch (pay-per-use) |
| travel accident | Up to $1,000,000 (common carrier) |
Notes
Standard public card is Visa Signature: no trip delay, baggage delay, purchase protection or extended warranty per the Guide to Benefits. Rental CDW is secondary in the U.S. (15-day max) but primary outside the U.S. (31-day max). Wells Fargo Premier ($250k+ assets) and Private Bank clients can be offered an enhanced Visa Infinite version in online banking/app with a 100,000-point bonus, $120 Global Entry credit, trip delay, extended warranty, purchase security and 31-day rental coverage (Doctor of Credit, 2026-07); public card unchanged at 60,000 points. Web-verified 2026-09-08 against https://creditcards.wellsfargo.com/autograph-journey-visa-credit-card/ (plus its Guide to Benefits and terms pages).
Verified 2026-09-08 · confidence high · sources: 1, 2, 3, 4, 5, 6