Credit Cards By Issuer
Best Cards By Type
Credit Card Reviews
Popular Guides
Business Credit Cards By Type
Business Credit Card Reviews
Popular Business Credit Card Guides
Airlines
Airport Lounges
Hotels
Popular Travel Guides
Get Started
Credit Card Points
Airline Miles
Hotel Points
Advertiser Disclosure
Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology.
Brett Holzhauer
Former Content Contributor
82 Published Articles
Countries Visited: 22U.S. States Visited: 29
Michael Y. Park
Senior Editor and Content Contributor
49 Published Articles 1072 Edited Articles
Countries Visited: 60+U.S. States Visited: 50
Keri Stooksbury
Editor-in-Chief
89 Published Articles 3730 Edited Articles
Countries Visited: 54U.S. States Visited: 28
We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.
The Wells Fargo Autograph Journey℠ Card is a great addition to your wallet as your everyday spending card or part of your rotation of cards to maximize your rewards-earning capabilities. This card launched in March 2024 to attract frequent travelers with its experience-focused features.
In addition to its spending benefits, the card comes with outstanding travel insurance in case your wanderlust comes across rocky roads.
As someone who travels almost monthly, I’ve been able to get my travel habits down to a near science. But there’s always the possibility that life happens, and knowing that your credit card provides comprehensive coverage gives you peace of mind.
As you’re considering which travel credit card is best to put your next trip’s expenses on, consider what the Wells Fargo Autograph Journey card offers in travel protection for its cardholders.
Here’s what you need to know.
The Wells Fargo Autograph Journey card is much more than travel insurance for your next trip. This card comes with a wide array of benefits and features that make it a solid travel credit card, with a reasonable $95 annual fee (rates & fees). Here’s what you need to know about the card:
A powerful point earning card with access to transfer partners.
The Wells Fargo Autograph Journey^SM Card is an excellent option for those looking for a great all-around travel rewards card that offers bonus categories on hotels, airfare, travel, and dining, giving you the opportunity to earn points on these purchases quickly.
Plus the card offers flexible redemption options including access to transfer partners, an annual statement credit with airfare purchase, and no foreign transaction fees.
The Wells Fargo Autograph Journey card offers an auto rental collision damage waiver you may be eligible for if you’re involved in an accident or your rental vehicle is damaged.
Using the waiver offered by the Wells Fargo Autograph Journey card is quite simple:
However, it’s worth noting that the Wells Fargo Autograph Journey card’s auto rental collision damage waiver is secondary. This means that in case of a claim, your own auto insurance will come first. This differs from cards like the Chase Sapphire Preferred^® Card, which offers primary auto rental insurance.
The cardholder and any additional drivers you list on the rental agreement are covered.
If you have a travel credit card, look into the rental car insurance policy. If you already have access to coverage, don’t waste additional money paying for insurance through the rental car agency.
Advertisement
In addition to an auto rental collision damage waiver, one of the most valuable benefits of a travel rewards credit card is insurance coverage when a disruption during your travels affects lodging, flights, or activities.
When you use your Wells Fargo Autograph Journey card to pay for your trip expenses, you get both trip interruption and cancellation coverage applied to your trip. Let’s talk about what you need to know.
When traveling on a common carrier, you could be eligible for up to $3,000 in coverage if your bag is lost due to theft or misdirection.
If baggage or its contents are lost or stolen, the covered traveler should notify the airline (or other common carrier) before leaving the airport or station and keep a copy of any report provided.
Roadside dispatch is a great benefit if you’re in a pinch on your drive. This isn’t a free service, though, as there is a set price for the services charged to your card. To use this, simply call the 24/7 hotline number at 800-847-2869.
Any additional services and costs are the cardholder’s responsibility.
Advertisement
Accidents happen, and having coverage in the case it does can make a situation much less stressful.
The Wells Fargo Autograph Journey card comes with an industry-leading $1 million policy in case you’re injured while traveling. You qualify for this insurance as long as you use the card for your trip expenses.
This policy covers you during your trip and under these circumstances:
Compensation for bodily loss varies by the type of body part lost, and the loss must occur within 1 year of the initial accident:
100% of the Maximum Coverage for Covered Losses
50% of the Maximum Coverage for Covered Losses
25% of the Maximum Coverage for Covered Losses
For Accidental:
For Accidental:
For Accidental:
When you’re in an unfamiliar place and need medical assistance, finding the help you need can be overwhelming. The Wells Fargo Autograph Journey card comes with complimentary referral assistance for the below needs. These services also apply to your spouse, domestic partner, and dependent children under 22 years. However, the cost of goods and services provided is the cardholder’s responsibility.
To use this benefit, call 800-992-6029 (804-673-1675 outside the U.S.). Here’s what the service can provide you:
If you’re traveling overseas and paying with a credit card, you could be on the hook for a 3% foreign transaction fee when paying with a U.S. credit card. The Wells Fargo Autograph Journey card doesn’t charge foreign transaction fees (rates & fees), which is a typical feature for many travel credit cards.
If you spend $5,000 abroad on a family vacation, this feature could save you $150 and the hassle of converting U.S. dollars into local currency.
Insurance is one of those things you purchase or have with the hope of never having to use it. However, if you need to file a claim, you need plenty of documentation about the event and need to know how to file a claim.
The easiest way to file a claim with the Wells Fargo Autograph Journey card is to start on the Claims Administrator website here. It’s best to contact the claim administrator as soon as possible to ensure you get direction on what documentation is needed.
For example, if you’re submitting a claim regarding rental car insurance, the terms and conditions request the following:
Travel protection and insurance vary greatly by the credit card issuer and can change periodically. In general, here’s what you can expect in the way of travel protections by major credit card issuers:
Chase issues fantastic travel credit cards including the Chase Sapphire Reserve^® and Ink Business Preferred^® Credit Card, and they also come with comprehensive travel coverage. However, Chase also has trip delay insurance, and some cards include primary rental car insurance.
American Express offers travel insurance on some of its more premium cards, including the Platinum Card^® from American Express and the Delta Reserve^® Credit Card from American Express.
However, its coverage is less than Wells Fargo, with American Express only covering up to $10,000 in trip interruption insurance.
Some Capital One cards, including the Capital One Venture Rewards Credit Card, come with secondary auto rental collision damage waiver, roadside dispatch, accident insurance, lost and delayed baggage coverage, and emergency travel assistance. However, their coverage may not be as high as the Wells Fargo Autograph Journey card.
Looking for the best all-around credit cards with travel insurance coverage? We’ve got you covered in our detailed round-up!
The Wells Fargo Autograph Journey card is a solid credit card for any traveler. It offers a valuable welcome bonus, great spending categories, valuable rewards, and comprehensive travel insurance.
We hope you never have to file a claim, but in the event you have to, having your credit card travel insurance as protection can be extremely helpful.
However, like any insurance policy, be sure to read the terms and conditions closely to ensure that it covers what you need. If the coverage is lacking, it could be helpful to look into purchasing a separate travel insurance policy.
For Capital One products listed on this page, some of the benefits may be provided by Visa^® or Mastercard^® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
For the trip cancellation and interruption insurance benefit of the Platinum Card^® from American Express, the maximum benefit amount for trip cancellation and interruption insurance is $10,000 per covered trip and $20,000 per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
For the trip cancellation and interruption insurance benefit of the Delta SkyMiles^® Reserve American Express Card, the maximum benefit amount for trip cancellation and interruption insurance is $10,000 per covered trip and $20,000 per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
The annual fee is $95.
It does not have lounge access. However, many other travel credit cards like the Capital One Venture X Rewards Credit Card*×Information collected independently. Not reviewed by Capital One.do.
The Wells Fargo Autograph Journey card can be a great fit for someone who travels regularly to semiregularly and is able to take advantage of the benefits the card offers.
Wells Fargo Rewards points are worth 1 cent per point.
The information regarding the Wells Fargo Autograph Journey℠ Card was independently collected by Upgraded Points and not reviewed nor provided by the issuer.
For rates and fees of the Platinum Card^® from American Express, click here.
For rates and fees of Delta SkyMiles^® Reserve American Express Card, click here.
Was this page helpful?
Brett is a personal finance and travel junkie. Based out of Fort Lauderdale, he’s had over 100 credit cards and earned millions of credit card rewards. He learned the tricks of the trade from his mom, and has taken many steps forward. He wasn’t exposed to much travel as a kid, but now has a goal of reaching 100 countries in his life. In 2019, he sold all of his possessions to become a digital nomad, and he says it was one of the best decisions he ever made. He plans to do it again at some point in his life.
INSIDERS ONLY: UP PULSE^™
Get the latest travel tips, crucial news, flight & hotel deal alerts…
Plus — expert strategies to maximize your points & miles by joining our (free) newsletter.
We respect your privacy. This site is protected by reCAPTCHA. Google's privacy policy  and terms of service  apply.
Top Partner Offers
The Business Platinum Card^® from American Express
Platinum Card^® from American Express
Chase Sapphire Preferred^® Card
Chase Sapphire Reserve^®
Advertisement
Advertisement
Upgrade your travel experience
Privacy Policy | All Guides | Terms & Conditions | Web Accessibility Policy | Cookie Policy | Press & Mentions
© 2025 Upgraded Points™, LLC. All Rights Reserved.
Disclaimer: Upgraded Points, LLC and its website, UpgradedPoints.com, provides information on credit cards, reward programs, travel information and ancillary information concerning travel and credit cards. The information provided is for informational purposes only and should not be considered financial, tax or legal advice.
Upgraded Points, LLC uses reasonable efforts to maintain accurate information on the site — and prior to applying for any credit card offers found on UpgradedPoints.com, all visitors should review other features of such credit cards including but not limited to interest rates, annual fees and transaction fees, and should determine the suitability of such credit cards considering their own individual financial position.
Advertiser Disclosure: Many of the credit card offers that appear on this site are from credit card companies from which we receive compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. For more information on our advertisers and how we make money, see our advertising policy here. In addition, as an Amazon Associate we earn from qualifying purchases.
Editorial Disclosure: The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer.

source