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All comparisons
Head-to-head, 2026

Wells Fargo Autograph Journey Wells Fargo Choice Privileges Select

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Bigger welcome offer: Wells Fargo Autograph Journey

Wells Fargo

Autograph Journey

Annual fee
$95
Network
visa
Welcome value
$600
Min spend
$4,000 / 3mo

Top earning rates

  • 5×Hotels · Wells Fargo Rewards
  • 4×Airlines
  • 3×Restaurants
  • 3×Other Travel

Key benefits

  • $50 annual airline statement credit · $50
  • Visa Signature Concierge Service · $0
  • Autograph Card Exclusives · $0
  • Auto Rental Collision Damage Waiver · $0
  • Trip Cancellation and Interruption Insurance · $0
Full Wells Fargo Autograph Journey review

Wells Fargo

Choice Privileges Select

Annual fee
$95
Network
visa
Welcome value
~$510
Min spend
$3,000 / 3mo

Top earning rates

  • 10×Choice Hotels stays · Choice Privileges
  • 5×Gas stations · Choice Privileges
  • 5×Grocery stores · Choice Privileges
  • 5×Home improvement stores · Choice Privileges

Key benefits

  • 30,000-point anniversary bonus · $210
  • No Foreign Transaction Fees · $0
  • Choice Privileges Platinum Elite status · $0
  • Mastercard World Elite benefits · $0
  • Milestone Rewards qualification · $0
Full Wells Fargo Choice Privileges Select review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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