Wells Fargo’s latest bank card — the Wells Fargo Autograph Journey℠ Visa® Card* — is open for on-line candidates. It’s a aggressive provide that might give incumbent journey bank cards from Chase, American Express and Capital One a run for his or her cash. 

Wells Fargo does one factor higher than its rivals: It affords a extra versatile rewards program that doesn’t require reserving journey in a portal to earn the very best charges.

Here’s why we expect the Wells Fargo Autograph Journey might go toe-to-toe with a few of the most effective journey bank cards, plus 4 insider ideas to assist you determine should you ought to add it to your bank card lineup.

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

Before we dive into the hidden options and advantages, right here’s an summary of what you’ll be able to 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 accommodations, 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 embrace journey cancellation and interruption insurance coverage, misplaced baggage reimbursement, roadside dispatch and mobile phone insurance coverage.
• $95 annual price.

4 necessary particulars concerning the Autograph Journey 

Here’s a rundown of 4 info we found concerning the Autograph Journey that it is best to 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 packages.

Autograph Journey will have the ability to do a factors switch with the no-annual-fee Wells Fargo Autograph℠ Card. This is very notable for the reason that Wells Fargo Autograph℠ Card affords bonus rewards in numerous classes than the Autograph Journey. 

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

2. It affords extra choices for incomes bonus miles on journey than some rivals

The Autograph Journey will provide extra flexibility than many journey rewards playing cards relating to incomes extra factors on journey purchases. For instance, cardholders earn limitless 5x factors on accommodations booked instantly with resort manufacturers and 4x factors on airfare booked with airways. 

This helps the cardboard stand out from different well-liked journey bank cards that provide essentially the most bonus factors provided that you e book journey by means of their portals. For instance, the Capital One Venture Rewards Credit Card* and the Capital One Venture X Rewards Credit Card* solely provide the very best bonus rewards on journey booked by means of Capital One Travel. The Chase Sapphire Preferred® Card additionally affords its highest fee of 5x factors on journey booked by means of 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 embrace rental vehicles, cruises and journey booked by means of on-line journey companies like Expedia and Priceline.

3. The card could 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 resort companions, much like Amex Membership Rewards factors or Chase Ultimate Rewards. While the record of switch companions is proscribed, 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 embrace home airways and well-liked resort loyalty packages. 

Wells Fargo level transfers might be accessible to new cardholders beginning on April 4. For now, Wells Fargo switch companions embrace the next:

4. You might have to attend to use

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

Wells Fargo states in its phrases and situations, “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 need the brand new Autograph Journey, it is best to avoid making use of for different playing cards from Wells Fargo for now. If you’re authorized and use the cardboard responsibly for six months or longer, you’ll be able to contemplate 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.