Wells Fargo Autograph Journey

The Autograph Journey is Wells Fargo's travel card, earning 5x points on hotels, 4x on airlines, and 3x on dining and other travel for a $95 annual fee. The welcome offer of 60,000 points after $4,000 in spending in the first 3 months is a solid start. An annual $50 statement credit with a $50 minimum airline purchase effectively trims the fee to $45 if you fly at least once a year. The protections are a real part of the value: trip cancellation and interruption coverage up to $15,000, lost baggage reimbursement up to $3,000, travel accident insurance, and cell phone protection up to $1,000 per claim, with no foreign transaction fees. The catch is that everyday spending outside travel and dining earns just 1x, so it makes the most sense for people who book hotels and flights regularly rather than as an all-purpose card.