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Wells Fargo Autograph Journey Card

Wells Fargo Bank, National Association

Top-25 issuerNationalVariable · PrimeCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
19.49–28.49%
Annual fee
$95
0% intro
None
0% transfer
None
Foreign fee
None
Grace period
25 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
—
≤619
28.49%
620–719
28.49%
720+
28.49%
Lowest offered19.49%
Median28.49%
Highest offered28.49%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered29.49%
Median29.49%
Highest offered29.49%

Every fee on this card

Annual fee$95
Balance transfer feeCharged (amount not reported)
Cash advance feeCharged (amount not reported)
Foreign transaction feeNone
Purchase transaction feeNone
Late fee—
Over-limit feeNone
Minimum finance charge$1
Balance computationAverage daily balance including new purchases

Late fee policy: The fee will be either $29 or the amount of your Minimum Payment, whichever is lower. For any other late payment within a rolling six billing cycle period, the late fee will be either $40 or the amount of your Minimum Payment, whichever is lower.

Rewards, benefits and features

Rewards
  • Cashback rewards
  • Travel-related rewards
  • Other rewards
Services
  • Access to Free Credit Scores
  • Discounts on purchases of goods and services (non travel related)
  • Other
Features
  • Contactless Payments
  • Chip card
  • Fee-free foreign transactions
  • Mobile wallet provisioning (for example, Apple Pay)
  • Other

Issuer note: Pay with Rewards through PayPal Redeem for Gift Cards Redeem for Statement Credits Redeem for Purchases Redeem for Travel Points Transfers to Partners

Who can get this card

AvailabilityNational
Membership requirementsOpen to the public
Phone1-800-642-4720
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 28.49%$854.70
Annual / periodic fees$95
Total yearly cost$949.70

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.

Cardholder agreements

28 documents filed by Wells Fargo Bank, National Association in the 2026 Q1 archive.

All 28 agreements

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