First-year winner
Wells Fargo Autograph Journey Card
$90 Year 1 edge
$1,075 vs $984
Compare Cards
Stack up the better credit card
Compare two cards side by side with your real spend, credits, fees, and rewards.
Card A
Card B
Monthly spend
Start with spending categories
Monthly Total
$2,430/mo
Reward assumptions
Credits & benefits
Count the credits and perks you actually expect to use. Credit rows start with conservative default values; edit them for your own merchant, timing, or travel friction.
Card A
Wells Fargo Autograph Journey Card
Counted benefits
$50
Credits
$50
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Credit
$50 Annual Airline Credit
Travel Credits · Listed $50/yr
Autograph Journey includes an annual airline-ticket statement-credit mechanic on eligible direct airline purchases.
Perk
Cell Phone Protection
Cell Phone · No listed cash value
Eligible monthly wireless bills paid with the card can unlock cell phone protection under issuer terms.
Perk
Travel Transfer Ecosystem
Other · No listed cash value
Autograph Journey is built to sit inside Wells Fargo’s travel-rewards ecosystem with richer travel redemption options.
Perk
No Foreign Transaction Fees
Other · No listed cash value
Eligible international purchases do not incur an added foreign transaction surcharge.
Card B
Bank of America Premium Rewards credit card
Counted benefits
$0
Credits
None
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Perk
Preferred Rewards Upside
Other · No listed cash value
Eligible Bank of America relationship customers can unlock higher effective earnings through the issuer’s relationship-based rewards boost programs.
Perk
Trusted Traveler Credit
Tsa Global Entry · No listed cash value
Premium Rewards cards are positioned as travel cards and commonly include Global Entry or TSA PreCheck application-fee value.
Perk
No Foreign Transaction Fees
Other · No listed cash value
Eligible international purchases do not incur an added foreign transaction surcharge.
Perk
Travel Rewards Ecosystem
Other · No listed cash value
The card is designed to fit into a broader travel-rewards setup through issuer redemptions, hotel stays, flights, or travel-portal bookings.
Verdict
Wells Fargo Autograph Journey wins year 1 and long term.
Winner after year 1
Wells Fargo Autograph Journey Card
$90 ongoing edge
$475 vs $384
Long-term breakeven: the higher-reward option needs roughly $0 per year in this spend mix to overcome the fee and benefit gap.
Wells Fargo
Wells Fargo Autograph Journey Card
Year One
$1,075
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$475
Annual rewards + counted benefits - fee
Annual Rewards
$520
1.78% effective return
Welcome Offer
$600
Current listed first-year bonus value
Credits + Perks
$50
$50 credits + $0 perks
Bonus Spend
$4,000
3 mo window · $1,333/mo pace · Comfortable
Why it wins
- • Still delivers meaningful first-year upside from the welcome offer.
- • Stays usable for international purchases.
Watch for
- • The points value case is thinner without transfer-partner flexibility.
Bank of America
Bank of America Premium Rewards credit card
Year One
$984
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$384
Annual rewards + counted benefits - fee
Annual Rewards
$479
1.64% effective return
Welcome Offer
$600
Current listed first-year bonus value
Credits + Perks
None
$0 credits + $0 perks
Bonus Spend
$4,000
3 mo window · $1,333/mo pace · Comfortable
Why it wins
- • Still delivers meaningful first-year upside from the welcome offer.
- • Stays usable for international purchases.
Watch for
- • The annual fee is harder to justify if you do not use the credits and perks consistently.
- • The points value case is thinner without transfer-partner flexibility.
Spend Mix Math
Where the value actually comes from
Category returns are based on the spend mix you entered, your point-value assumption, and the benefits you chose to count.
Dining
3x
$5,400
Wells Fargo Autograph Journey
$162
3.00%
Bank of America Premium
$108
2.00%
Groceries
1x
$7,800
Wells Fargo Autograph Journey
$78
1.00%
Bank of America Premium
$117
1.50%
Travel
5x
$3,000
Wells Fargo Autograph Journey
$150
5.00%
Bank of America Premium
$60
2.00%
Gas
1x
$1,920
Wells Fargo Autograph Journey
$19
1.00%
Bank of America Premium
$29
1.50%
General
1x
$11,040
Wells Fargo Autograph Journey
$110
1.00%
Bank of America Premium
$166
1.50%
Total annual spend
$29,160 across this mix
Wells Fargo Autograph Journey$520
Bank of America Premium$479
Raw Breakdown
Full side-by-side details
Use the spec table below when you want the literal field-by-field differences in rewards, benefits, transfer partners, fees, and approval profile.
| Metric | Wells Fargo Autograph Journey Card | Bank of America Premium Rewards credit card |
|---|---|---|
| Costs | ||
| Annual fee | $95 | $95 |
| Foreign transaction fee | None | None |
| Rewards | ||
| Dining rewards | 3x | 2x |
| Travel rewards | 5x Representative top travel earn rate; exact rates vary across airline, hotel, and other travel categories. | 2x |
| All rewards | 1x | 1.5x |
| Offer | ||
| Welcome offer | 60,000 bonus points Spend $4,000 in 3 mo | 60,000 online bonus points Spend $4,000 in 3 mo |
| Benefits | ||
| Estimated benefits | ~$50/yr | 4 listed |
| Benefit highlights | $50 Annual Airline Credit · Cell Phone Protection · Travel Transfer Ecosystem · +1 more | Preferred Rewards Upside · Trusted Traveler Credit · No Foreign Transaction Fees · +1 more |
| Profile | ||
| Credit needed | Good | Good |
| Network | visa | visa |
| Reward type | Points | Points |
Costs
Annual fee
Wells Fargo Autograph Journey Card
$95
Bank of America Premium Rewards credit card
$95
Foreign transaction fee
Wells Fargo Autograph Journey Card
None
Bank of America Premium Rewards credit card
None
Rewards
Dining rewards
Wells Fargo Autograph Journey Card
3x
Bank of America Premium Rewards credit card
2x
Travel rewards
Wells Fargo Autograph Journey Card
5x
Representative top travel earn rate; exact rates vary across airline, hotel, and other travel categories.
Bank of America Premium Rewards credit card
2x
All rewards
Wells Fargo Autograph Journey Card
1x
Bank of America Premium Rewards credit card
1.5x
Offer
Welcome offer
Wells Fargo Autograph Journey Card
60,000 bonus points
Spend $4,000 in 3 mo
Bank of America Premium Rewards credit card
60,000 online bonus points
Spend $4,000 in 3 mo
Benefits
Estimated benefits
Wells Fargo Autograph Journey Card
~$50/yr
Bank of America Premium Rewards credit card
4 listed
Benefit highlights
Wells Fargo Autograph Journey Card
$50 Annual Airline Credit · Cell Phone Protection · Travel Transfer Ecosystem · +1 more
Bank of America Premium Rewards credit card
Preferred Rewards Upside · Trusted Traveler Credit · No Foreign Transaction Fees · +1 more
Profile
Credit needed
Wells Fargo Autograph Journey Card
Good
Bank of America Premium Rewards credit card
Good
Network
Wells Fargo Autograph Journey Card
visa
Bank of America Premium Rewards credit card
visa
Reward type
Wells Fargo Autograph Journey Card
Points
Bank of America Premium Rewards credit card
Points