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, and there is no foreign transaction fee. A $50 annual statement credit on a $50 minimum airline purchase takes some of the sting out of the fee, effectively bringing it closer to $45 if you fly. The catch is that everything outside travel and dining earns just 1x, so it only pays off if travel is a meaningful share of your spending. The protection package is strong for the price, including trip cancellation and interruption coverage up to $15,000, lost baggage reimbursement up to $3,000, and cell phone protection up to $1,000 per claim.