United Club℠ Business Card vs Wells Fargo Autograph Journey℠ Card

Side-by-side comparison of United Club℠ Business Card and Wells Fargo Autograph Journey℠ Card. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	United Club℠ Business Card	Wells Fargo Autograph Journey℠ Card
Issuer	Chase	Wells Fargo
Network	Visa	Visa
Card Material	Metal	Plastic
Annual Fee	$450.00	$95.00
Base Rate	1.00%	1.00%
Travel Rewards	2.00x	5.00x
Auth. User Fee	$175.00	$0.00
Foreign Txn Fee	0%	0%
Lifecycle	Available	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.0% (base)	1.0% (base)
Airline	2.0%	4.0%
Restaurants	2.0%	3.0%
Hotels	1.0% (base)	5.0%
Travel	1.0% (base)	3.0%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	None	6 partners
Annual Credits	None	None

Transfer Partners

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1:1

Pricing Details

Purchase APR	12.99% - 21.49%	21.24% - 29.99%
Cash Advance APR	21.74%	29.99%
Penalty APR	23.24%	N/A
Late Fee	$40	$40
Balance Transfer Fee	N/A	undefined% (min $0)

Insurance & Protections

Auto Rental	✓	Secondary
Baggage Delay	✓	—
Baggage Loss	—	—
Cell Phone Protection	—	Covered up to $1,000 per claim (subject to $25 deductible)
Extended Warranty	✓	—
Purchase Protection	120 days	—
Return Protection	—	—
Trip Cancellation Interruption	✓	Covered up to $15,000 per trip
Trip Delay	✓	—
Tsa Precheck Global Entry	✓	—

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Standard	Standard