Autograph Journey Card

{
  "catalogPolicyVersion": "us-card-catalog-v1",
  "factKnowledgePolicyVersion": "card-fact-knowledge-v1",
  "id": "7b07a279-9b16-44a2-9bfd-0c0ca10b0ee0",
  "name": "Autograph Journey Card",
  "issuer": {
    "id": "76040e3b-cc4d-4ea1-ae8e-7e406552ea0c",
    "slug": "wells-fargo",
    "displayName": "Wells Fargo"
  },
  "lifecycleStatus": "accepting_applications",
  "annualFee": {
    "amount": 95,
    "currency": "USD"
  },
  "foreignTransactionFee": {
    "percent": 0
  },
  "rewardSummary": {
    "text": "Earn unlimited points: 5X with hotels, 4X with airlines, 3X on restaurants and other travel, and 1X on other purchases, per $1 spent."
  },
  "earnRules": {
    "rules": [
      {
        "rate": 5,
        "multiplier": "x",
        "category": "hotels",
        "categoryRaw": "hotels",
        "cap": null,
        "scope": "Net purchases at retailers classified as hotel/motel.",
        "notes": null,
        "evidenceQuote": "Hotels: 5 points for every $1 you spend"
      },
      {
        "rate": 4,
        "multiplier": "x",
        "category": "flights",
        "categoryRaw": "airlines",
        "cap": null,
        "scope": "Net purchases at retailers classified as airlines and air carriers.",
        "notes": null,
        "evidenceQuote": "Airlines: 4 points (1 base point plus 3 bonus points) for every $1 spent on net purchases made with retailers whose merchant category code is classified as airlines and air carriers."
      },
      {
        "rate": 3,
        "multiplier": "x",
        "category": "dining",
        "categoryRaw": "restaurants",
        "cap": null,
        "scope": "Net purchases at retailers classified as eating places and restaurants, drinking places, fast food restaurants, and caterers.",
        "notes": null,
        "evidenceQuote": "Restaurants: 3 points (1 base plus 2 bonus points) are earned per $1 spent on net purchases made at retailers whose merchant category code is classified as: eating places and restaurants, drinking places, fast food restaurants, and caterers."
      },
      {
        "rate": 3,
        "multiplier": "x",
        "category": "travel_general",
        "categoryRaw": "other travel",
        "cap": null,
        "scope": "Net purchases at retailers classified as timeshare, vehicle/auto rental, cruise lines, travel agencies, discount travel sites, or campgrounds.",
        "notes": null,
        "evidenceQuote": "Other Travel: 3 points (1 base plus 2 bonus points) are earned per $1 spent on net purchases made at retailers whose merchant category code is classified as: timeshare, or vehicle/auto rental, cruise lines, travel agencies, discount travel sites, campgrounds."
      },
      {
        "rate": 1,
        "multiplier": "x",
        "category": "everything_else",
        "categoryRaw": "other purchases",
        "cap": null,
        "scope": "Other net purchases; cash advances and cash equivalents do not earn points.",
        "notes": null,
        "evidenceQuote": "Other purchases: 1 rewards point will be earned per $1 spent on other net purchases."
      }
    ],
    "extractionCompleteness": "complete"
  },
  "creditsSummary": null,
  "welcomeBonuses": [
    {
      "audience": "public",
      "bonusValue": 60000,
      "bonusUnit": "points",
      "spendRequired": {
        "value": 4000,
        "currency": "USD",
        "windowDays": 90
      },
      "eligibility": {
        "requiresNewCustomer": true,
        "bonusLockoutMonths": 48,
        "applyByDate": null,
        "notes": "You may not be eligible for introductory annual percentage rates, fees and/or rewards bonus offers if you have the card product you are applying for or opened one within the last 48 months from the date of the application – even if that account is closed and has a $0 balance."
      },
      "offerUrl": "https://creditcards.wellsfargo.com/autograph-journey-visa-credit-card/",
      "tiers": [],
      "notes": "Net purchases must post within 3 months of account opening. Bonus points become redeemable within 60 days after earned.",
      "evidenceQuote": "To qualify for the 60,000 bonus rewards points, a total of at least $4,000 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened."
    }
  ],
  "factStates": {
    "annualFee": "confirmed_value",
    "foreignTransactionFee": "confirmed_none",
    "rewardSummary": "confirmed_value",
    "earnRules": "confirmed_value",
    "credits": "not_yet_reviewed",
    "welcomeBonus": "confirmed_value"
  },
  "sourceSupport": {
    "annualFee": true,
    "foreignTransactionFee": true,
    "rewardSummary": true,
    "earnRules": true,
    "credits": false,
    "welcomeBonus": true
  },
  "updatedAt": "2026-09-30T21:23:36.651Z"
}