You can now apply for Wells Fargo’s latest bank card: the Wells Fargo Autograph Journey℠ Visa® Card.* This new journey card might give incumbent journey bank cards from Chase, American Express and Capital One a run for his or her cash. Out of the gate, Wells Fargo does one factor higher than its opponents: It presents a extra versatile rewards program that doesn’t require reserving journey in a portal to earn the very best charges.

Here’s why we predict the Wells Fargo Autograph Journey might go toe-to-toe with a few of the very best journey bank cards, plus 4 insider suggestions to assist you determine in the event you ought to add it to your bank card lineup.

What you have to know concerning the Wells Fargo Autograph Journey Visa Card

Before we dive into the hidden options and advantages, right here’s an outline of what you may anticipate with the Autograph Journey:

• Earn 60,000 welcome bonus rewards factors after spending $4,000 in purchases inside three months of account opening.
• Earn limitless 5x factors on motels, 4x factors on airways, 3x factors on different journey and eating and 1x on different purchases.
• Receive an annual assertion credit score with a $50 minimal airline buy.
• No overseas transaction charges.
• Other advantages embody journey cancellation and interruption insurance coverage, misplaced baggage reimbursement, roadside dispatch and mobile phone insurance coverage.
• $95 annual payment.

4 vital particulars concerning the Autograph Journey 

Here’s a rundown of 4 information we found concerning the Autograph Journey that you must know when deciding whether or not to use.

1. You can switch factors with Wells Fargo point-based playing cards

The launch of the Autograph Journey additionally marks the primary transferable factors program from Wells Fargo, which joins different card issuers like Chase and Capital One, which have their very own pooling applications.

Autograph Journey will have the ability to do a factors switch with the no-annual-fee Wells Fargo Autograph℠ Card. This is very notable because the Wells Fargo Autograph℠ Card presents bonus rewards in completely different classes than the Autograph Journey. 

For instance, the Autograph card earns limitless 3x factors on eating places, journey, fuel stations, transit, well-liked streaming providers and telephone plans, plus 1x factors on different purchases. So you may maximize your level incomes throughout completely different classes, then switch your factors to your Autograph Journey account to entry premium journey redemptions.

2. It presents extra choices for incomes bonus miles on journey than some opponents

The Autograph Journey will supply extra flexibility than many journey rewards playing cards in relation to incomes extra factors on journey purchases. For instance, cardholders earn limitless 5x factors on motels booked immediately with lodge manufacturers and 4x factors on airfare booked with airways. 

This helps the cardboard stand out from different well-liked journey bank cards that supply essentially the most bonus factors provided that you guide journey by their portals. For instance, the Capital One Venture Rewards Credit Card* and the Capital One Venture X Rewards Credit Card* solely supply the very best bonus rewards on journey booked by Capital One Travel. The Chase Sapphire Preferred® Card additionally presents its highest price of 5x factors on journey booked by Chase Ultimate Rewards, whereas different journey purchases earn 2x factors.

Autograph Journey cardholders additionally earn a minimal of 3x factors on different journey purchases, which might embody rental automobiles, cruises and journey booked by on-line journey businesses like Expedia and Priceline.

3. The card might develop in worth as extra switch companions be a part of

The Autograph Journey Card will earn versatile journey rewards factors that switch to a number of airline and lodge companions, just like Amex Membership Rewards factors or Chase Ultimate Rewards. While the record of switch companions is restricted, Wells Fargo said in its preliminary press launch that “more partners will continue to be added throughout the year.”

Points transfers might dramatically change the worth proposition of the Autograph Journey, particularly if new companions embody home airways and well-liked lodge loyalty applications. 

Wells Fargo level transfers will probably be out there to new cardholders beginning on April 4. For now, Wells Fargo switch companions embody the next:

4. You might have to attend to use

If you’ve utilized for an additional Wells Fargo card in the final six months, you’ll doubtless have to attend a little longer earlier than making use of for the Autograph Journey.

Wells Fargo states in its phrases and circumstances, “If you opened a Wells Fargo Credit Card account within the last six months, then you may not qualify to open an additional Wells Fargo Credit Card account. We may also limit how many open Wells Fargo Credit Card accounts you have.”

So if you’d like the brand new Autograph Journey, you must keep away from making use of for different playing cards from Wells Fargo for now. If you’re accepted and use the cardboard responsibly for six months or longer, you may think about including further Wells Fargo bank cards to your portfolio.

*All details about the Wells Fargo Autograph Journey, Capital One Venture Rewards Credit Card and Capital One Venture X Rewards Credit Card have been collected independently by CNET and has not been reviewed by the issuer.