IT’S OFFICIAL: Wells Fargo Autograph Journey KILLS Amex Platinum Card
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- Опубликовано: 9 фев 2025
- The Wells Fargo Autograph JOURNEY credit card was announced today, and its rewards structure embarrasses the American Express Platinum Card! Here’s everything you need to know… Click “Show More” to see Ad Disclosure.
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📝 PRESS RELEASE 1 - Wells Fargo to Launch Autograph Journey Card Designed for Frequent Travelers
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📝 PRESS RELEASE 2 - Wells Fargo to Launch Autograph Journey Card Designed for Frequent Travelers
newsroom.wf.co...
📝 CNBC Article - Wells Fargo announces a new travel rewards card, the Autograph Journey - get 60,000 transferrable points and much more
www.cnbc.com/s...
📝 The Points Guy - Wells Fargo Autograph Journey launch date announced - here's how to apply
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🔗 WELLS FARGO AUTOGRAPH JOURNEY TERMS & CONDITIONS
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The Wells Fargo Autograph Journey card is launching on March 09, 2024 in select Wells Fargo branches, and will then be available in all branches an online on March 20, 2024!
Then starting April 04, 2024, Wells Fargo transfer partners will be launching for all Wells Fargo credit cards that earn points (including the Wells Fargo Autograph card with a $0 annual fee). The initial partner list will include the following:
Choice Privileges (1:2)
Air France-KLM Flying Blue (1:1)
avianca lifemiles (1:1)
British Airways Executive Club (1:1)
Air Lingus AerClub (1:1)
Iberia Plus (1:1)
More partners will continue to be added throughout the year.
The Rewards Structure of the Wells Fargo Autograph Journey will be as follows:
5x points on hotels
4x points on airlines
3x points on other travel
3x points on dining
1x on other purchases
The Wells Fargo Autograph Journey benefits will include:
$50 Annual Statement Credit for airfare purchases
No Foreign Transaction Fees
Travel and retail protection benefits, including cell phone protection and trip cancellation, which allows you to get reimbursed up to $15,000 for lodging, flights, and activities if the trip is canceled for a covered reason.
You’ll also receive access to Autograph Card Exclusives, a live entertainment benefit providing Autograph credit cardholders with access to concerts, showcasing big-name artists in small venues.
Learn more from the press release!
(See links above)
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Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor.
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I'm stoked as I saw this morning the news. I called my WF Branch since I bank there, I'm scheduled to go apply there Mar 9 in the morning. I'll keep you posted how it goes.
Right on, good luck! 💯
Uhhhh
The only thing I worry about with additional cards getting transfer partners is that eventually all of these airlines are going to catch on and devalue their points.
Devaluations are inevitable in most airline & hotel programs, though they almost never happen at the same time. That's why it's good to have a variety of partners to choose from. Also why it's nice to have a points with a guaranteed flat-rate value through a portal (for WF, it's 1 point = 1¢).
5x on hotels and 4x on airlines without using a travel portal is CRAZY!! Along with an easy to use $50 credit. Chase needs to update their CSP $50 credit to be used with any travel (like the CSR) now! I'll love to see how chase responds! I would love to see trip delay protection too
What's even crazier is the only overlap with the autograph card is the dining and transit (given you can use the "other travel" as transit) I look forward to applying to this card when I have $4k in spending planned!
Crazy for sure! We'll see if this new card causes other banks to adapt theirs 💯
Are there certain items that "qualify" to meet the spending requirement?
@@MsLkane - For the $50 credit? Or the welcome offer?
@@MarkReese Oh, the welcome offer of $4k. :)
Yeah. That 50$ hotel credit thst has to be book through chase give me headache every year
3x dining kills the AMEX Gold with $45 EAF.... if WF adds Hyatt, Aeroplan, AA... we'll see bunch of new elevated Chase & AMEX bonuses 😂
And to that I'd say ... Bring on an even better WF card + bigger offers from other issuers! I'll take 'em all 🎉
Amex caters to high income earners with the Gold and Platinum card.
4 > 3 🤔
Gold has a EAF of $10 and has 4x dining and food. Gold still wins
Thats a huge IF....JUST heard sebby talk about this card and this card sucks....I was like let me hear what this guy has to say....bc it sounds terrible!
If they get AA or Hyatt. It puts a lot of pressure on some other lenders. This card can really earn.
Either - or ideally BOTH - would be incredibly strong additions 🏆
I have Amex platinum and the 1x annoys me more every year. In December I got the Amex Marriott Bonvoy brilliant and honestly think it might be a better card than the platinum.
1X is lame 😬
I finished planning out the spending requirement for this card this morning. And will be applying for this card in late Q3 or early Q4 this year. I reworked almost my entire 5 year credit card road map after WF dropped the official details of this card.
Legit! This card will be a solid addition for a lot of people, you included! ✈
@@MarkReese yeah man definitely. My plan is to have trifectas with every major credit issuer. My original plan for the remainder of the year was to apply for the active cash card and call it a year.
I’m very happy with my Autograph card. Looks like I’ll be expanding. Wells Fargo has really changed the game since they rolled out the Propel card, their customer “tester” card in my opinion
Glad to hear that! I agree the WF Autograph is an excellent card.
Hopefully this kicks chases butt into gear to revamp the csp and csr earning rates.
YES 👊
@@MarkReeseI’ll be happy if they at least change the online grocery category to all grocery.
@@MetroJet2000 - Yep that NEEDS to happen 👍
Wife just approved for this card! We are out of credit card jail! Now I just need to move points from virgin Red to a compatible airline with this card.
Congrats to her!
As someone who is planning to get the Active Cash as a catch-all Apple Card replacement and the Wells Fargo Autograph for the gas, transit, streaming, and phone plans aspect, would this card in your opinion be better than Bilt even considering the Rent cashback benefits?
Because before this, Bilt (use currently for rent, restaurants, Lyft) was going to be that main travel card but now…
The Bilt Mastercard currently has a more compelling program for travel redemptions.
For cash back, however, the WF-branded cards are significantly better than Bilt.
Bilt is only 2x for travel and 3x for Lyft. You can do better with other cards, such as any Chase card for Lyft is 5x and CSR is 10x. You can add 2x from Bilt on Lyft without a card. For restaurants there are currently cards which give 5x, such as Citi Prestige and Custom Cash.
I can still transfer my Active Cash rewards to my Autograph card. I just did it a few minutes ago. This will be the best no annual fee two card combo!
LEGIT 🏆
It's not a future WF trifecta, it's a reality. They are still letting you transfer Active Cash rewards to your Autograph rewards balance, so Journey for travel, Auto for 3x everyday, AC for catchall 2%
Here's to hoping it'll stay that way! 💯
@@MarkReese I hope so, there was a week or 2 after the October announcement that Autograph was getting transfer partners where it was disabled but my account still says they are linked
@@Adiscretefirm - Transfer partners are said to go live on April 04 💯
This was probably answered in the video so my apologies. But for the 5x Unlimited Hotels, is that with ANY HOTEL? With my Navy Federal card, I get unlimted 3x points regardless of the hotel/website used. Even through third party booking sites.
As I understand it so far, it's 5X Hotels (unlimited) when booked directly with the hotel website ... if you use a 3rd-party site, I think it would fall under "Other Travel" and earn 3X. I can't guarantee this yet as I don't have full details pre card launch.
If you're referring to the Navy Federal Visa Signature Flagship Travel Rewards Credit Card, that card earns 3X on "Travel," which is a much broader category than "Hotels."
@@MarkReese Touche! Im looking foward to see how this plays out.
That 5X-4X-3X-1X rewards structure ROCKS 🏆 Even better with transfer partners ✈
Yes. It. DOES! 🏆
Got both cards but keeping Amex Platinum for Delta lounge access plus FHR/hotel collections benefits.
So disappointed of WF in Clearwater branch. Scheduled to apply in person but turned out that their branch bankers didn’t know about AJ or even the press release on WF that March 9, AJ can be applied in selected branches.
Bummer. Consider calling another branch or wait until March 20 for the nationwide / online rollout.
Interesting not groundbreaking. I have a Wells checking, savings and credit card I’ve had for 15 years so may get the new card but no rush. My AMEX Platinum, AMEX Gold and Costco Citi are my core cards for earn and spend/enjoy so not sure where this new card fits in.
Good setup! 👊
That’s my main setup also
Costco is your core card? Why?
@@yurig2530 25 year Costco customer and Executive Costco Citibank card to get cash back. One of the best retailers on the planet. Gasoline, some food and other stuff. Travel is AMEX Platinum. Most groceries and dining is AMEX Gold.
@@yurig2530 good earn back on gas and bulk groceries. You can get 10% back for some items via shop card. For example, bought a full house generator a few years ago and got $1500 Costco shop card. The had best pricing in southwest FL. Honestly, I wish they still had their AMEX partnership, you could double dip.
The two autographs together slay the AMX Green.
I'm not worried about the Transfer Partners... they will come.
Fantastic multipliers 👌
There may be "no foreign transaction fees" but make sure to take a look at the currency conversion rates, which is where you will be paying dearly. Remember: refuse any offers to convert your transaction to your home currency.
Good point 🌎💶
All they need to do now is add a grocery bonus category on the Autograph card and we are in business!!
Agreed, grocery is needed 💯
"ALL", not "BOTH" - so, does that mean more than just those two like maybe Active Cash or some other cards, as well?
As I write this, the Active Cash & Autograph are the only rewards-earning cards available from WF. And yes, you can convert / pool rewards between the two by transferring back & forth 👍
@@MarkReese awesome - so potential Wells Fargo Trifecta here, then.
Wow, this is impressive. With the two autograph cards, plus one card with a grocery benefit your wallet would be all set. The only thing I’d really like to see is a Priority Pass membership to seal the deal. Frequent travelers want lounge access.
Definitely impressive. I too would like to see a Priority Pass membership. Not many low-fee cards offer that.
WF is not done yet, they're also supposed to release the Autograph Beyond card which is supposedly their version of a premier travel card so that will most likely have priority pass. They also have two more lines of Signify Business cards that are also point earners so it could rival the Ink Cards. This year could be Wells Fargo's year.
@@geraldalves9107 - The anticipation builds!
Dont forget the WF Active cash for a flat 2%
It sounds like Chase Sapphire Preferred just got a head-to-head competitor. If WF can just bring in one other hotel group, Hilton, Marriott, Hyatt, IHG, this will be for real
It must be Hyatt. Chase is done if WF Gets hyatt with this low annual fee travel card and multipliers.
It sure did! Although arguably the Bilt Mastercard was the first head-to-head competitor. Its multipliers, 1.25¢ per point portal redemption rate, and transfer partners are a direct strike at Chase.
Mark is a maestro at breaking down the credit cards and getting me excited for them. Bravo! 🐎💳🎶
😎👊💳
Do you know, if I can apply for Choice Select card after getting Autograph Journey without waiting for 6 month? The language on the Choice Select doesn't have such restrictions.
I can't guarantee it. If the language isn't there, then it should be possible.
This is exciting! I may have to product change my no annual fee version of this card for this annual fee version once it’s released since I just received the Bilt card within the last couple of months.
Legit! Congrats on adding Bilt 👊
Looks like a great card if you want a minimal setup, but other than the 5x on Hotels and 4x on airlines, is it worth it to get this over the regular Autograph?
Both will have transfer partners, but you're paying a $45 EAF for +2x on hotels and +1x on airlines, am I missing something
That answer will vary for different people based on how much they spend, what they spend on, and if they want better insurance coverages.
You dont get the airport lounge accesses, right?
Correct 👍
What are your thoughts on this card's affect on the venture x?
For those who book travel directly with airlines & hotels, I prefer the WF Autograph for earning. It's also much better for cash back.
For those who don't mind using portals, the C1VX is a better product for earning. It's also better for travel redemptions.
very smart of them and a good product. I have the autograph now, will wait till year end to apply but I def will!
Smart indeed! 💡 Good luck on your application when the time is right!
I would do it sooner then later, don't know how long that 60 000 point bonus will last.
Most cards dont consider timeshares as travel anymore so this is nice for anyone who has
For sure 👍
I have this card, the case wise, and the WF visa signature which gives me 1.5x extra when I book for airfare directly from WF travel portal. The trifecta beats the premium credit cards most of the time.
5x on hotels is good that's only 2 less than many co branded cards. 4x on airlines is for me the best one. Hope to see a domestic airline on there soon. Good job.
For sure! And "2 less" than cobranded cards doesn't necessarily mean 2% less value. Many hotel points have an average value of 0.5 - 0.8¢ per point, whereas WF points have a flat rate of 1.0¢ per point.
The math can change based on how the hotel points are maximized of course.
Would you be able to stack it with other site like Rakuten for booking flights and hotel Since it doesn’t specify the booking?
Not sure yet.
@@MarkReese thanks mark
It's a strong offering. I thought it might be a replacement for Amex Green too but it really does seem to be missing a few travel catagories.
💯👍
The fact they are adding more partners throughout the year is mind blowing, could this actually dethrone travel cards???
Depends on which partners they add 👍 Some of the ones people may want have exclusive contracts with certain banks.
Great cards wish they would add grocery and Hyatt. Also it be great if they could hook up with Rakuten
I'd welcome all 3 😁
Might get this will be the fist card from from Wells Fargo been banking with them for 6 years
💯👍
I was initially mad WF converted my old Signature card (which got 1.75% on travel through their travel portal) to an Autograph card, but that led me to research other options (learning a lot along the way) and now my ‘old’ card is useful again. Lol. 😂
😁💯
Dang good card! Hope they throw in some lounge access! Thanks for the info + video!
I'd like to see that, too!
Does it stack with the Active CASH. I think THAT is what people need to know.
Since that card hasn't launched yet for anyone to test, I can't say. Someone else mentioned in the comments that as of today (3.06.2024), they were still able to transfer Active Cash rewards to Autograph ($0 AF) points 👍
They are trying to mimic Citi setup, however with Citi you can get 5x in almost any category, including gas, groceries, drugstores, dining and travel. They will be worth if they add AA and Alaska as transfer partners.
Citi's setup is worth mimicking 💯
Great video Mark. I don’t think this kills the Platinum because Amex has a loyal following. What this does do is bring Wells Fargo to the table as another option for consumers, which is great.
Typically you either have a majority of people going with the Platinum, Venture X, or going with the Sapphire Reserve.
Amex is said to be revamping 40 products this year, obviously that means products in other markets as well. I really wish they would fix the earning on the Platinum. You essentially have to carry more cards around to maximize earning on your vacation and it would be nice if you could just carry 2.
Actually if you carry the gold and green card around on vacation that would cover most categories but at that point you you’re looking at $1095 in annual fees.
As Wells Fargo rolls out their phases, we’ll see how the Wells Fargo lineup matches up to Amex, Cap One, and Chase. Not to mention the experiences people have with using the new cards.
I understand why Amex probably _wants_ people carrying multiple cards, given that their revenue model is heavily bent towards "fee revenue."
So we will be able to combine Bilt points with the autograph journey?
No word on that yet. My best guess is "no" since they're 2 different currencies.
@MarkReese Damn! I was already thinking this would be an amazing trifecta if it could be a duo set up. Similar to the capital one savor/venture x and chase freedoms and sapphire
If they add Hyatt or Marriot as partners plus swap out one of the overlapping categories for groceries in the no annual fee autograph, they will be ahead of most other banks.
That'd be awesome 🥇
IMO Autograph Journey compares better with the Amex Green card. Both Green and Autograph Journey offer strong point multipliers. Both have credits that limit annual fees to $95. If I was starting out on transfer points today, I would apply for Green, Autograph, Cap One Venture and Chase trifecta would be my choices.
Solid cards right there!
Nice Mark. Would have liked you to cover the Active Cash card as a combo with this new card
Perhaps in a future video 🎬
Got the autograph card 2 weeks after the bilt card I’m not sure if bilt counts as a wells Fargo account
I'm not sure either. Perhaps not since it's a cobranded card that doesn't earn Wells Fargo points. Congrats on the approval!
But…does it offer a Saks Fifth Avenue credit like a platty does ?
And, there is absolutely nothing nada zilch that I want on the Saks website that I can get for that $50 once you add in tax and $10+ for shipping.
Still my AMEX Platty is shiny and has a nice weight and i feel like a VIP holding it, especially since everyone has it.@@dsr8223
I'm happy to say...NO 😁
Is missing a lot of multipliers in the entertainment category. Streaming, cable, internet provider, etc.
Correct, but this is meant to be a card that rewards travel.
I got the Bilt card recently though wells fargo, do you think that counts as an actual wells fargo card or not? I want those points lol
I'm not sure. Best to call WF and ask.
I got the bilt card 2 weeks ago and then got approved for Wells Fargo autograph yesterday
No relationship with Wells Fargo before
@@robert8311 - Awesome, congrats! Helpful data point, too.
Do you think that 6 month waiting period would apply to the Signify business cards they have coming out?
If i just go the Active Cash id have to wait to apply to the WF Signify Cash?
Not sure at this point. None of the cards are officially launched yet.
It's almost universally known that the Amex plat is a terrible earner. You're paying for a coupon book and status at certain airlines/hotels/rental car companies.
👍👍
I absolutely hated my experience with Wells Fargo from a banking perspective but this card sounds very compelling. AMEX better refresh that Plat asap if they don't want to bleed customers
Sorry to hear that your experience was bad.
Mark what do you think is the best Domestic travel card? Like transfer partners and stuff?
For domestic travel, I'm a big fan of the Chase Ultimate Rewards ecosystem. CSP + CFF + CFU is one example of a great pairing.
@@MarkReese how is capitol one in that regard? I've never even seen their portal.
@@KParks - Capital One is also great. I just tend to recommend Chase more because you can get a guaranteed minimum point value of 1.25¢ or 1.5¢ via the portal with the CSP or CSR, respectively, and there are also a couple domestic transfer partners (JetBlue, Southwest, United).
Capital One's guaranteed minimum redemption point value is 1.0¢ and there are not any domestic transfer partners. You can still use international carriers to fly domestically, but that requires more work / research.
@@MarkReese how does their hotel collection compare? We need a credit card travel portal comparison lol
@@KParks - I haven't compared them yet ✌
I’d love if they had AA and Hyatt as transfer partners, but I’m sure Bilt Rewards ensured they wouldn’t be made obsolete
I'd like to see that, too 💯 Not sure how WF vs. Bilt will proceed to make sure each program is differentiated ... or if they'll cross over (to some degree) at some point.
Waiting for the "watch me apply" video
Likely going to be a long wait 😬
@@MarkReese
Completely understand.
Can you get the points as cash back instead. I travel 1-2x internationally and 1-2x domestic. I’m currently too invested in chase and Amex. I just want to know if I can have the points as cash back just in case.
Yes, WF points can be redeemed as cash back at a value of 1¢ per point.
What is the value of the Wells Fargo points? Hopefully not like Hilton points.
Double Hilton, on average. 1 WF point = 1¢.
@@MarkReese thanks Mark. That plays a factor too. It’s half of the membership rewards and ultimate rewards.
I would wait to see if the transfer is 1 to 1 or 1 to 0.5 then decide.
@@webbezzy - Depends on how you compare.
For cash back, WF & Chase are equal in value (1.0¢ per point) ... Amex is by far the worst (0.6¢ per point)
For travel, Amex & Chase are about equal in value (1.7¢ per point, on avg.). I don't yet have an avg. value for WF points for travel. It's a guaranteed 1.0¢ per point via the portal, but that doesn't factor in transfer partners...which is the case for the Amex & Chase values.
The initial transfer partner ratios for WF are as follows:
- Choice Privileges (1:2)
- Air France-KLM Flying Blue (1:1)
- avianca lifemiles (1:1)
- British Airways Executive Club (1:1)
- Air Lingus AerClub (1:1)
- Iberia Plus (1:1)
@@MarkReese thanks Mark for the information. If that’s the case, with those multipliers and about 1 to 1 to airlines, it should have a value close MR and UR points.
No lounge access ?
Nope.
If you watch this video and then go watch literally every other video on this card you will see why it’s my opinion that Mark is the best at what he does. Absolutely fantastic review and an absolutely fantastic credit card. I’m just about a week away from getting my AMEX Platinum statement which will have my AF on it and while I’m 100% sure that I’ll keep it for another year it’s looking less and less likely that I’ll keep it next year. I got the Venture X at the end of January and I’m waiting a minimum of 6 months before I apply for the Savor One to complete the Capital One duo, I already have a Chase quadfecta as well so it’s feeling like it’s time to do away with a setup and while I love AMEX it’s looking like their are much cheaper options that fit my lifestyle even better. Regardless of all that, if Wells Fargo doesn’t nerf these cards by this time next year I’ll probably try to add this card and the Autograph because why not?🤣
Thank you, Chris! Congrats on the C1VX 🏆
I'm not the biggest Wells Fargo fan, but I gotta admit they came to compete. No messing around. This puts Amex and Chase on notice. CSP needs revamping with a grocery category. Amex Gold will be canceled by many when the next AF increase happens.
We need a "real" grocery category on the CSP 😬
BILT and AA are splitting up. Maybe this means that AA will now be added to the Autograph Journey airline transfer partner list.
I saw that. However, I highly doubt WF will get AA as a transfer partner because AA has: (a) card contracts in place with Citi and Barclays that are likely exclusive and (b) Bilt was able to work around that because "Bilt Rewards" is a rewards program that's separate from the "Bilt credit card" (i.e., you can still participate even without the Bilt credit card).
Am I on drugs??
This appears more like a Sapphire Preferred look alike than comparing it to the Plat. The Plat is a compliment card. You could throw a dart and hit many high end cards that don’t have that great earning potential.
This is not exciting to me. How much are the wells points worth? Mark, you lost me man.
I just chose to compare it to the Amex Platinum Card because I'm tired of seeing it be the least rewarding premium card from a rewards earning perspective.
WF points = 1¢ per point via the portal. TBD what the "new" average rate will be once transfer partners are factored in (those are the reason why other point programs like Chase / Amex / etc. are valued higher).
The American Express Platinum is just OP in so many other ways that I don't agree that it beats it. I will say that it is better than the American Express Gold though.
Hopefully still eligible for SUB if you have the standard Autograph. I just product changed (never have gotten a WF SUB) from a useless (to me) Active Cash card to the Auto and then less than a week later this drops! I guess I'll wait six months to be safe
We'll have to see what the offer terms say once the card goes live online. So far, the $0-AF Autograph only shows the 6-month restrictive language.
can you do updated all the credit card review for marriott and hilton :) just a suggestion. always love your videos!!
Perhaps at some point! 🏆 I'm considering a grouped / combined video for each since there are some many.
@@MarkReese
love it!!
I may product change if allowed to avoid an inquiry
💯👍
The best way to use a credit card is to pay off the balance in full every month. This will help build your credit score and you wont have to pay any interest.
A great habit to have 💯
I expected more than that lol 😂, and I went further and opened 4 new credit cards for all of us when the offer was $300 cash back thinking that would include the transfer partners lol 😜, will see if we can apply for the new card next year lol 😝 to make it all in Wells Fargo lol 😅
😁👍
Mark, I'm a Fan of the show. This is good information. It sounds like you got a scoop on this one. While 5% on hotels and the other benefits are good, I would hardy call this an AMEX killer.
Just a killer from a rewards multiplier standpoint 😁
I think this would be a great card for college students studying abroad or backpackers. Personally I don't care about hotel statuses, I have Genius level 3 from studying abroad and traveling a bit, and I'll just book the cheapest room I can find in Paris or wherever and I'm happy. There aren't too many cards which give rewards on that type of travel. The only cards I can think of are the Green Card, but generally that's not great for international travel and acceptance. The Sapphire Reserve, but you might need to eat that $250 fee, and the Autograph but no transfer partners.
Same here. I dont give a hoot about a high end hotel suite room with XYA. I all Ima do is shower and sleep. A mid quality hotel is good for me.
Great observation 💯
Man I wish Chase would get a single card like this. Chase points are my best value with where I travel and where I am at.
I'd like to see Chase do that, too 👊
Amex has the absolute best customer service though and WF has the worst.
✌
I’m waiting on that video of you applying for that “Autograph Journey”
Likely going to wait for a long time 😬 Plan = 0 new cards for 2024.
Do the bilt card count for that 6 month wait !?🤔
Not sure at this point.
Meaning will get denied for the new card because I just got a bilt card about 3 months ago
@@ibnuslaykum - I understood the question, but I don't know the answer.
My guess would be "no," that the rule only applies to "Wells Fargo branded cards," but I can't back that up.
Even though that's my guess, I'd personally wait 6 months.
I’m curious how this would work in tandem with BILT or if this will help the BILT card.
I'm curious about this, too.
What's the big hurry? I'll wait until the next CSP elevated bonus forces Wells Fargo's hand, then I'll apply!
90K - 100K 🏆
The Platinum has always blown when it comes to multipliers. I mean even the $95 CSP has crushed it for years, and people generally don’t even value it for spending. People get the Plat for the perks, not the points.
Exactly right 👊
The WF trifecta is looking pretty awesome
Sure is!
not the same transfer partners as Bilt as many hoped. guess I will pass for now on this
👍👍
This is great news! I'm looking to add to my 2 card family. I was looking at BILT for rent payment purposes and their points. Now I'm torn on which one to get first. This would be great if it also offered 0% for say 6 - 12 mos. But we can't everything. :) Thank you for the video breakdown.
Could be a good addition!
- Bilt = excellent for earning rewards over the long term on rent.
- WF Autograph Journey = excellent for a big bonus upfront (60K) after meeting the spend requirement.
- There's also the option of both 😁
@@MarkReese Ok! I may just apply for BILT first and wait the 6 months to apply for the AJ. I only have 2 cards now (NFCU Cash Rewards & CP1 Amazon Visa that are 4 years old with a 743 Fico. I'm trying to find my way to 800+ score. 🙂 Car is paid off (since 2016). I think I need more trade lines to get there. Thanks so much for responding!
@@MsLkane - If an 800+ score is the goal, the bigger factor will likely be the age of credit history.
You may find this video helpful, especially the results from the study about credit age at 10 min 30 sec:
ruclips.net/video/FT6KEPTo04U/видео.htmlsi=QFylSDYIMyBec1Dj
@@MarkReese I watched the video and it's very informative. I will take note of the suggestions. :)
This doesn't seem better than Amex Platinum if you spend enough money on airfare/etc. per year to not care about the negative EAF, and isn't as good as the cobrand premium hotel cards for those chains, but is worth getting for random non-cobrand-card hotels and "other travel". I use Amex Gold for dining (4X MR worth more than 4X WF to me), but also worth having a backup non-Amex for the restaurants which don't take Amex. Will definitely apply and overlook the evil WF has done to people in the past.
💯👍
I wish I didn't miss the choice privileges original bounes.
Which card do you prefer this card or C1 venture x?
For travel redemptions, I still prefer the C1VX for now because:
- I value lounge access
- C1 has a more robust transfer partner program at the moment
- I have a lot of non-category spend and earning 2X with a single card is great
For cash back redemptions, I prefer the WF Autograph Journey because points are worth 2x more with WF (1.0¢ per point) compared to C1 (0.5¢ per mile) for cash back.
It sounds great but I really want lounge access
Better to look to other cards then 👍
Thanks for providing a easy to understand video. Watching your videos like being in a class. I just hit the sign up bonus on the regular autograph. But I don't understand how was BILT going to fit into all this, and what is the premium card going to look like???
I'm not sure either. Bilt points are different than Wells Fargo points. I'd bet that Bilt wants to protect & differentiate their program. We'll have to see how it all develops! Did you get approved for the Autograph?
Yes I did. As a matter of fact I hit the sign up bonus last month.
@@danniesingletary4630 - Right on, congrats! 🏆
This is a great card, but wells farcicle still has a ways to go to be a top player (namely a premium travel card with lounge access).
Definitely room for a top-tier card 💯
There's still the rumored Autograph Beyond card which supposedly is their version of a premium travel card.
This autograph journey is amazing !! A game changer
🏆🏆🏆
Hardly a game changer, however unlimited 5x on hotels is great, the rest is not so far.
If they add Hyatt and American Airlines, Chase will be gone!! Until then, no value for me with those transfer partners.
I'd like to see both as well 🏆
Is the autograph beyond still a thing coming?
No info on that ✌️
If they change the original autograph's 3% dining to groceries, the WF trifecta is a pretty great set up. The active cash, autograph, and autograph journey.... Not too keen on a set up with no grocery multiplier. Overlapping dining is poor... like chase does.
Agreed 💯 Adding Grocery would be fantastic.
Awesome. It's worth looking into.
I think so too!
How do we find out what branch locations this card will be offered on March 9th
Not sure 🤔 Call?
Probably call but most likely in major cities I would assume
@@theholt2ic219 you would think that Wells Fargo would be heavily promoting the locations.hmmmm
Yeah, because all those airport Wells Fargo Autograph Lounges are so amazing.
This video had so much potential to be really fair and balanced except you completely ignored the best value coming from the AMEX Platinum which is access to all American Express Centurion airport lounges plus Priority Pass domestically and internationally. Also does this Autograph journey card automatically get me to Gold Status for both Marriott Bonvoy and Hilton Honors? I’m guess also no because it wasn’t mentioned. Makes me wonder if Wells Fargo compensated you for this video to make it so unbalanced.
This video was never intended to be fair or balanced.
Can you get 250,000 points as a sign-up bonus?
*250,000*
(And transfer partners)
Nope 😁
Please do a comparison of Autograph vs Autograph Journey. Love your channel from day one brother. 🤙🏾
I'll consider it!
Can you book thru Expedia, Orbitz etc?
Yes, but it's my understanding that those bookings will earn 3X points for the 'Other Travel' category. Per the terms that category includes "purchases made at retailers whose merchant category code is classified as: timeshare, or vehicle/auto rental, cruise lines, travel agencies, discount travel sites, campgrounds."
Ty for the quick response, that answered my question. I have the WF Autograph and trying to decide if upgrading to the Journey is worth it for me 😊