Wells Fargo Autograph Journey℠ Dual

Other things you need to know

Offers may differ from time to time and depend on the marketing channel, such as phone, email, online, direct mail, or in branch. You must select Apply now to take advantage of these offers.

Read the Wells Fargo Autograph Visa® Credit Card Agreement and the Wells Fargo Autograph Visa® Card Guide to Benefits to learn more.

Read the Wells Fargo Autograph Journey Visa® Credit Card Agreement and the Wells Fargo Autograph Journey Visa® Card Guide to Benefits to learn more.

This offer is not a guarantee of credit. Credit card is subject to credit qualification.

You may not qualify for an additional Wells Fargo-branded consumer credit card if you have opened a Wells Fargo-branded consumer credit card in the last 6 months.

You may not be eligible for introductory annual percentage rates, fees and/or rewards bonus offers if you have the card product you are applying for or opened one within the last 48 months from the date of this application – even if that account is closed and has a $0 balance.

Footnote 1. To qualify for the 20,000 bonus rewards points, a total of at least $1,000 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. The bonus rewards points will show as redeemable within 1 – 2 billing periods after they are earned. "Purchases" that do not apply to this offer and do not earn rewards points include: cash advances and equivalents of any kind (ATM transactions, cash advances, traveler’s checks, money orders, pre-paid gift cards, peer-to-peer payments, and wire transfers); balance transfers including the use of SUPERCHECKS; disputes, illegal actions, and violations (disputed or illegal purchases or purchases that violate the terms of your agreements); fees and interest of any kind (returned payment fees, monthly or annual fees); gambling transactions (bets or wagers transmitted over the internet, casino gaming chips, lottery tickets or off-track wagers). Cash advances and balance transfers may affect the credit line available for this offer. Refer to the Summary of the Wells Fargo Rewards® Program Terms and Conditions and the Wells Fargo Autograph Visa® Card Addendum for more information about the rewards program. ←back to content

Footnote 2. To qualify for the 60,000 bonus rewards points, a total of at least $4,000 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. The bonus rewards points will show as redeemable within 1 – 2 billing periods after they are earned. "Purchases" that do not apply to this offer and do not earn rewards points include: cash advances and equivalents of any kind (ATM transactions, cash advances, traveler’s checks, money orders, pre-paid gift cards, peer-to-peer payments, and wire transfers); balance transfers including the use of SUPERCHECKS; disputes, illegal actions, and violations (disputed or illegal purchases or purchases that violate the terms of your agreements); fees and interest of any kind (returned payment fees, monthly or annual fees); gambling transactions (bets or wagers transmitted over the internet, casino gaming chips, lottery tickets or off-track wagers). Cash advances and balance transfers may affect the credit line available for this offer. Refer to the Summary of the Wells Fargo Rewards® Program Terms and Conditions and the Wells Fargo Autograph Journey Visa® Card Addendum for more information about the rewards program. ←back to content

Footnote 3. Three rewards points (1 base point plus 2 bonus points) are earned per $1 spent on net purchases (purchases minus returns/credits) at retailers whose VISA^® merchant code is classified as: Travel: airline, hotel/motel, timeshare, or vehicle/auto rental, cruise lines, travel agencies, discount travel sites, campgrounds. Transit: passenger railway, taxis, limousines, ferries, toll bridges and highways, parking lots and garages. Gas: gas stations, automated fuel dispensers, and electric vehicle charging stations. Dining: eating places and restaurants, drinking places, fast food restaurants, and/or caterers. Phone plans: landline and cell phone providers considered telecommunication services. Popular streaming services: cable and other pay television, digital goods, books, movies, music, and continuity/subscription services, as listed at: wellsfargo.com/autographstreaming. Other purchases: 1 rewards point will be earned per $1 spent on other net purchases. Cash equivalents do not earn points. For a detailed list of cash equivalent exclusions and merchant examples that may not be billed under the VISA category codes listed above refer to the Summary of the Wells Fargo Rewards® Program Terms and Conditions and the Wells Fargo Autograph Visa® Card Addendum. ←back to content

Footnote 4. Five rewards points (1 base point plus 4 bonus points) are earned per $1 spent on net purchases (purchases minus returns/credits) at Hotels: with retailers whose merchant category code is classified as hotel/motel. Airlines: 4 points (1 base point plus 3 bonus points) for every $1 spent on net purchases made with retailers whose merchant category code is classified as airlines and air carriers. Restaurants: 3 points (1 base plus 2 bonus points) are earned per $1 spent on net purchases made at retailers whose merchant category code is classified as: eating places and restaurants, drinking places, fast food restaurants, and caterers. Other Travel: 3 points (1 base plus 2 bonus points) are earned per $1 spent on net purchases made at retailers whose merchant category code is classified as: timeshare, or vehicle/auto rental, cruise lines, travel agencies, discount travel sites, campgrounds. Other purchases: 1 rewards point will be earned per $1 spent on other net purchases. Cash equivalents do not earn points. For a detailed list of cash equivalent exclusions and merchant examples that may not be billed under the merchant category codes listed above, refer to the Summary of the Wells Fargo Rewards® Program Terms and Conditions and the Wells Fargo Autograph Journey Visa® Card Addendum. ←back to content

Footnote 5. Each year, you will receive a one-time $50 statement credit applied to your account when your card is used for your first airline purchase of at least $50. Airline purchases include purchases made at retailers whose merchant category code is airline and air carriers. Charter flights and private jet flights are not considered airlines or air carriers. For the first year, the credit will be available at account opening. After that, the 12-month annual airline credit period begins the first day of the month after your annual fee is assessed, then renews every 12 months after that. For example, if your annual fee is assessed on November 10th, your annual airline credit period will begin on December 1st. This credit will show within 1-2 billing periods after it is earned. ←back to content

Footnote 6. The cardholder is eligible for coverage in the event they suffer an accidental loss of life, limb, sight, speech, or hearing while on a covered trip. Common Carrier fare must be paid in full with your Wells Fargo Autograph Journeyservice mark℠ card and/or your rewards program associated with your covered account. A maximum benefit amount and certain restrictions and limitations apply. Please review the Wells Fargo Autograph Journey Visa® Card Guide to Benefits for details. ←back to content

Footnote 7. Coverage provided by this benefit is secondary. If the common carrier or another source reimburses the covered traveler, this benefit will cover only amounts that have not been previously reimbursed. Common carrier fare must be purchased entirely with your Wells Fargo Autograph Journeyservice mark℠ Credit Card account and/or rewards program associated with your covered account. Loss must result from theft or misdirection of the baggage by the common carrier during the trip. A maximum benefit amount and certain restrictions and limitations apply. Please review the Wells Fargo Autograph Journey Visa® Card Guide to Benefits for details. ←back to content

Footnote 8. Coverage provided by this benefit is secondary. Cardholders can receive reimbursement for the cost of the nonrefundable trip expenses in the event the trip must be cancelled or interrupted because of a covered reason. The entire trip cost, less redeemable certificates, vouchers, or coupons, must be paid with your Wells Fargo Autograph Journeyservice mark℠ Credit Card. A maximum benefit amount and certain restrictions and limitations apply. Please review the Wells Fargo Autograph Journey Visa® Card Guide to Benefits for details. ←back to content

Footnote 9. Coverage provided by this benefit is secondary. In order for coverage to apply, you must pay for all of the cost to rent the car with your eligible Wells Fargo Autograph Journeyservice mark℠ Credit Card and/or rewards program associated with your covered account. Cardholder must decline coverage from the rental company to be eligible for this benefit. Certain vehicles are not covered. A maximum benefit amount and certain restrictions and limitations apply. Please review the Wells Fargo Autograph Visa® Card Guide to Benefits for details. ←back to content

Footnote 10. Coverage provided by this benefit is secondary. In order for coverage to apply, you must pay for all of the cost to rent the car with your eligible Wells Fargo Autograph Journeyservice mark℠ Credit Card and/or rewards program associated with your covered account. Cardholder must decline coverage from the rental company to be eligible for this benefit. Certain vehicles are not covered. A maximum benefit amount and certain restrictions and limitations apply. Please review the Wells Fargo Autograph Journey Visa® Card Guide to Benefits for details. ←back to content

Footnote 11. Travel and Emergency Assistance Services provide assistance and referral only. Cardholder is responsible for the cost of any actual medical, legal, transportation, cash advance, or other services or goods provided. Certain restrictions and limitations apply. Please review the Wells Fargo Autograph Visa® Card Guide to Benefits for details. ←back to content

Footnote 12. Travel and Emergency Assistance Services provide assistance and referral only. Cardholder is responsible for the cost of any actual medical, legal, transportation, cash advance, or other services or goods provided. Certain restrictions and limitations apply. Please review the Wells Fargo Autograph Journey Visa® Card Guide to Benefits for details. ←back to content

Footnote 13. Cellular Telephone Protection can reimburse the eligible Wells Fargo Consumer Credit Card cardholder for damage to, theft of, or involuntary and accidental parting of a cell phone. This is supplemental coverage not otherwise covered by another insurance policy (for example, cell phone insurance programs, or your homeowner’s, renter’s, automobile, or employer’s insurance policies) and may be applied after all other insurance is exhausted. Reimbursement is limited to the cost to repair or replace your original cell phone, less a $25 deductible with an allowable maximum of two paid claims per 12-month period. Each approved claim has a benefit limit of $600. This benefit does not cover cell phones that are lost (i.e., mysteriously disappear). This protection is only available when cell phone bills are paid with an eligible Wells Fargo Consumer Credit Card. The coverage does not apply if the cell phone bill is paid from a Wells Fargo Debit Card, Wells Fargo Business Credit Card, Wells Fargo Commercial Card or from a card that is linked to a Line of Credit. Eligible cell phones are the lines listed on your most recent cellular wireless service provider’s monthly billing statement for the billing cycle prior to when the incident occurred. Electronic failure or issues related to the software of the device are not covered. Cellular Telephone Protection coverage begins the first day of the calendar month following the payment of your first cell phone billing using your eligible Wells Fargo Consumer Credit Card, and remains in effect when you continue to charge your total monthly cell phone bill to your Wells Fargo Consumer Credit Card. This protection may not be equivalent to or better than other applicable coverage. For complete coverage benefits and exclusions regarding this protection, refer to the Guide to Benefits.

Note:
Call your cellular provider (or sign on to their website) and request to set up automatic payments. Setting up automatic payments is not required to qualify for Cellular Telephone Protection; however, you need to pay your monthly cell phone bill with your eligible Wells Fargo Consumer Credit Card to get up to $600 protection. ←back to content

Footnote 14. Cellular Telephone Protection can reimburse the eligible Wells Fargo Autograph Journeyservice mark℠ cardholder for damage to, theft of, or involuntary and accidental parting of a cell phone. This is supplemental coverage not otherwise covered by another insurance policy (for example, cell phone insurance programs, or your homeowner’s, renter’s, automobile, or employer’s insurance policies) and may be applied after all other insurance is exhausted. Reimbursement is limited to the cost to repair or replace your original cell phone, less a $25 deductible with an allowable maximum of two paid claims per 12-month period. Each approved claim has a benefit limit of $1,000. This benefit does not cover cell phones that are lost (i.e., mysteriously disappear). This protection is only available when cell phone bills are paid with an eligible Wells Fargo Autograph Journeyservice mark℠. The coverage does not apply if the cell phone bill is paid from a Wells Fargo Debit Card, Wells Fargo Business Credit Card, Wells Fargo Commercial Card or from a card that is linked to a Line of Credit. Eligible cell phones are the lines listed on your most recent cellular wireless service provider’s monthly billing statement for the billing cycle prior to when the incident occurred. Electronic failure or issues related to the software of the device are not covered. Cellular Telephone Protection coverage begins the first day of the calendar month following the payment of your first cell phone billing using your eligible Wells Fargo Autograph Journeyservice mark℠ card and remains in effect when you continue to charge your total monthly cell phone bill to your Wells Fargo Autograph Journeyservice mark℠ card. This protection may not be equivalent to or better than other applicable coverage. For complete coverage benefits and exclusions regarding this protection, refer to the Guide to Benefits.

Note: Call your cellular provider (or sign on to their website) and request to set up automatic payments. Setting up automatic payments is not required to qualify for Cellular Telephone Protection; however, you need to pay your monthly cell phone bill with your eligible Wells Fargo Autograph Journeyservice mark℠ card to get up to $1,000 protection. ←back to content

Footnote 15. Current fee for a standard service call will be confirmed at the time service is requested. Rates apply to vehicles up to 10,000 pounds gross vehicle weight only. Cardholders are required to pay the service provider for mileage over five miles. Emergency roadside assistance and towing may not be available in all areas. The roadside assistance and towing service provider is solely responsible for any liability associated with use of roadside dispatch services. Certain restrictions and limitations apply. Please review the Wells Fargo Autograph Visa® Card Guide to Benefits for details. ←back to content

Footnote 16. Current fee for a standard service call will be confirmed at the time service is requested. Rates apply to vehicles up to 10,000 pounds gross vehicle weight only. Cardholders are required to pay the service provider for mileage over five miles. Emergency roadside assistance and towing may not be available in all areas. The roadside assistance and towing service provider is solely responsible for any liability associated with use of roadside dispatch services. Certain restrictions and limitations apply. Please review the Wells Fargo Autograph Journey Visa® Card Guide to Benefits for details. ←back to content

Footnote 17. Visa credit cardholders can get an emergency cash advance disbursed or a card replaced within one to three business days, in some cases, within 24 hours, after issuer approval. Any cash advance fees and interest charges that are associated with your credit card account will apply. If you need to replace your card or want help with receiving emergency cash, contact the Visa Global Customer Care Services at 1-800-397-9010 or when calling from outside the U.S. or Canada, call the Visa direct line at 1-303-967-1096 24 hours a day, seven days a week. Please review the Wells Fargo Autograph Visa® Card Guide to Benefits for details. ←back to content

Footnote 18. Visa credit cardholders can get an emergency cash advance disbursed or a card replaced within one to three business days, in some cases, within 24 hours, after issuer approval. Any cash advance fees and interest charges that are associated with your credit card account will apply. If you need to replace your card or want help with receiving emergency cash, contact the Visa Global Customer Care Services at 1-800-397-9010 or when calling from outside the U.S. or Canada, call the Visa direct line at 1-303-967-1096 24 hours a day, seven days a week. Please review the Wells Fargo Autograph Journey Visa® Card Guide to Benefits for details. ←back to content

Footnote 19.You won't be held responsible for promptly reported unauthorized transactions, subject to certain conditions. For more information, please review the applicable Consumer Credit Card Customer Agreement and Disclosure Statement. ←back to content

Footnote 20. You must activate a deal and use your eligible card to make purchases directly with the merchant providing the deal by the expiration date. Purchases must satisfy all the requirements in the My Wells Fargo Deals Terms and Conditions and the Deal Terms in order to qualify for the deal. Cash back will not be earned on any portion of a purchase transaction that is paid for with store credit, gift certificates, or other payment types. If you pay using a digital wallet or through a third-party provider, or if the merchant uses a mobile or wireless card reader to process your payment, you may not have fulfilled the requirements to redeem the deal and receive the cash back. Cash-back transactions will appear in the form of a statement credit on the eligible card account within 90 days of the deal expiration date. Cash back or statement credits may be reversed if a qualifying purchase is returned or canceled. Refer to the My Wells Fargo Deals Terms and Conditions for details applicable to all eligible cards. ←back to content

Footnote 21. This experience is for eligible Wells Fargo Autograph-branded cardholders; other Wells Fargo cardholders may be eligible if tickets become available. Simply pay with your eligible Wells Fargo credit card during the specified sales window. The availability of tickets is limited and available only on a first come first serve basis. Transportation and accommodation costs are not included. Tickets are subject to the terms & conditions, rules and fees set by the ticket seller, promoter and/or the venue, as applicable. Offer is fulfilled by ticket seller, subject to availability, and may be changed or revoked at any time. Wells Fargo reserves the right to limit the number of tickets a Wells Fargo credit card customer may purchase. For more information, please visit wellsfargo.com/autographcardexclusives. ←back to content

Details are subject to change and based upon availability.

Footnote 22. You must be a Wells Fargo account holder of an eligible Wells Fargo consumer account with a FICO^registered® Score available, and enrolled in Wells Fargo Onlineregistered®. Eligible Wells Fargo consumer accounts include deposit, loan, and credit accounts, but other consumer accounts may also be eligible. Contact Wells Fargo for details. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply.

Please note that the score provided under this service is for educational purposes and may not be the score used by Wells Fargo to make credit decisions. Wells Fargo looks at many factors to determine your credit options; therefore, a specific FICO^registered® Score or Wells Fargo credit rating does not guarantee a specific loan rate, approval of a loan, or an upgrade on a credit card. ←back to content

Footnote 23. Wells Fargo Visa Signature^® cardholders are responsible for the payment of any and all charges associated with any goods, services, reservations, or bookings purchased or arranged by the Visa Signature^® Concierge on cardholders’ behalf. Any such purchases or arrangements are solely between the cardholder and the respective merchant, and Visa is not a party to the transaction. All goods and services are subject to availability. Refer to the full terms of service at Visa Concierge Terms of Service. ←back to content

Footnote 24. Some Restrictions and Limitations may apply. In cases where one of the benefits is not available at a hotel, the hotel may provide a substitute benefit of equal value. Some hotels may provide one of the benefits as a standard feature of the room being booked. In those cases, the hotel may or may not provide a substantial benefit of equal value. Resort fees that cover any of the benefits are not reimbursable. Reservations must be booked either on a Visa Luxury Hotel Collection website or through Visa Concierge for benefits to apply. Please consult the terms and conditions for each property. ←back to content

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.

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