Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the American Express® Gold Card ($325/yr) and the Wells Fargo Autograph Journey℠ Card ($95/yr) comes down to where you spend most. Both cards can deliver real value. Let’s break it down, then run your numbers to find the winner.
Strongest in dining at 4% (up to $50,000/yr). 4X points at restaurants worldwide, 4X on U.S. supermarkets, 3X on flights.
Perfect if: You spend enough in bonus categories to easily offset the annual fee.
Apply NowStrongest in travel at 3%. 5x on hotels, 4x on airlines, 3x on restaurants and other travel.
Perfect if: You want a strong rewards rate with no spending caps to worry about.
Apply Now| Feature | American Express Gold Card | Wells Fargo Autograph Journey Card |
|---|---|---|
| Annual Fee | $325 | $95 |
| Sign-Up Bonus | 100,000 points after $8,000 spend in 6 months | 60,000 points after $4,000 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1.0% | 1.0% |
| Travel Rewards | 1% | 3% |
| Dining Rewards | 4% (up to $50,000/yr) | 3% |
| Groceries Rewards | 4% (up to $25,000/yr) | 1% |
| Rates with conditions not counted in the rows above |
3% on flights Earns 3% only on flights booked direct with the airline or on AmexTravel.com. Hotels, car rentals and cruises earn 1%. |
5% on hotels Earns 5% only on hotel stays. Other travel earns 3%. 4% on airlines Earns 4% only on airline purchases. Other travel earns 3%. |
| Key Benefits | 4X points at restaurants worldwide, 4X on U.S. supermarkets, 3X on flights. | 5x on hotels, 4x on airlines, 3x on restaurants and other travel. |
American Express Gold Card pulls ahead for dining, groceries spending.
Wells Fargo Autograph Journey Card wins on travel.
The $230/year fee difference means American Express Gold Card needs to earn about that much more in rewards to justify its cost.
American Express Gold Card carries $424/year in credits (mostly tied to specific merchants or bookings), while Wells Fargo Autograph Journey Card carries $50/year in credits (mostly unlocked by everyday bonus-category spending). Those only count if you’d actually use them. Worth checking against your own habits before treating them as a discount on the fee.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.