Macy's American Express Card vs Wells Fargo Autograph Journey℠ Card

Side-by-side comparison of Macy's American Express Card and Wells Fargo Autograph Journey℠ Card. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Macy's American Express Card	Wells Fargo Autograph Journey℠ Card
Issuer	Citibank	Wells Fargo
Network	American Express	Visa
Card Material	Plastic	Plastic
Annual Fee	$0.00	$95.00
Base Rate	1.00%	1.00%
Travel Rewards	0.00x	5.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	3%	0%
Lifecycle	Active	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.0% (base)	1.0% (base)
Restaurants	3.0%	3.0%
Gas Stations	2.0%	1.0% (base)
Supermarkets	2.0%	1.0% (base)
Hotels	1.0% (base)	5.0%
Airline	1.0% (base)	4.0%
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	10.99% - 18.99%	21.24% - 29.99%
Cash Advance APR	21.24%	29.99%
Penalty APR	21.49%	N/A
Late Fee	$41	$40
Balance Transfer Fee	undefined% (min $0)	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	—	—
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	Citi 8/65	Standard