Wells Fargo Autograph Journey℠ Card vs USAA Rate Advantage Visa Platinum Card

Side-by-side comparison of Wells Fargo Autograph Journey℠ Card and USAA Rate Advantage Visa Platinum Card. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Wells Fargo Autograph Journey℠ Card	USAA Rate Advantage Visa Platinum Card
Issuer	Wells Fargo	USAA
Network	Visa	Visa
Card Material	Plastic	Plastic
Annual Fee	$95.00	$0.00
Base Rate	1.00%	0.00%
Travel Rewards	5.00x	0.00x
Auth. User Fee	$0.00	$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)	0.0% (base)
Hotels	5.0%	0.0% (base)
Airline	4.0%	0.0% (base)
Travel	3.0%	0.0% (base)
Restaurants	3.0%	0.0% (base)
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	6 partners	None
Annual Credits	None	None

Transfer Partners

1:1

—

Pricing Details

Purchase APR	21.24% - 29.99%	12.15% - 29.15%
Cash Advance APR	29.99%	29.15%
Penalty APR	N/A	32.4%
Late Fee	$40	$35
Balance Transfer Fee	undefined% (min $0)	undefined% (min $0)

Insurance & Protections

Auto Rental	Secondary	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	Standard	Standard