Snapshot

Smart Option Visa
Smart Option Visa
Wells Fargo Autograph Journey℠ Card
Wells Fargo Autograph Journey℠ Card
IssuerFirst Citizens BankWells Fargo
NetworkVisaVisa
Card MaterialPlasticPlastic
Annual Fee$0.00$95.00
Base Rate0.00%1.00%
Travel Rewards0.00x5.00x
Auth. User Fee$0.00$0.00
Foreign Txn Fee3%0%
LifecycleAvailableAvailable

Welcome Offer

BonusNoneNone
Spend Requirement
Timeline

Rewards Breakdown

Base Rate0.0% (base)1.0% (base)
Hotels0.0% (base)5.0%
Airline0.0% (base)4.0%
Travel0.0% (base)3.0%
Restaurants0.0% (base)3.0%
Anniversary BonusNoneNone
Portal Boost1x1x

Benefits & Partners

Transfer PartnersNone6 partners
Annual CreditsNoneNone

Transfer Partners

1:1

Pricing Details

Purchase APR15.24% - 25.24%21.24% - 29.99%
Cash Advance APR25.24%29.99%
Penalty APRN/AN/A
Late Fee$40$40
Balance Transfer Feeundefined% (min $0)undefined% (min $0)

Insurance & Protections

Auto RentalSecondarySecondary
Baggage Delay
Baggage Loss
Cell Phone ProtectionCovered up to $1,000 per claim (subject to $25 deductible)
Extended Warranty
Purchase Protection
Return Protection
Trip Cancellation InterruptionCovered up to $15,000 per trip
Trip Delay
Tsa Precheck Global Entry

Usability & Experience

Digital WalletN/AN/A
Instant Card Number
Credit BureausN/AN/A

Strategy & Eligibility

Recommended CreditN/AN/A
Application RulesStandardStandard