Which card has a lower annual fee, Citi Double Cash Card or Wells Fargo Autograph Journey Card?

The Citi Double Cash Card has no annual fee, compared to $95 for the Wells Fargo Autograph Journey Card.

Which card earns more cash back, Citi Double Cash Card or Wells Fargo Autograph Journey Card?

The Citi Double Cash Card earns 2.0% base cash back, while the Wells Fargo Autograph Journey Card earns 1.0%. The best choice depends on your spending habits. Use the calculator to see which card earns you more.

Is the Citi Double Cash Card better than the Wells Fargo Autograph Journey Card?

It depends on your spending. If you spend more on categories where the Citi Double Cash Card offers higher rewards, it may be better. Use our calculator to compare based on your actual monthly spending.

Citi Double Cash® Card vs Wells Fargo Autograph Journey℠ Card: Which Card Wins for Your Spending?

Which earns more for you?

Travel ($)

Dining ($)

Groceries ($)

Gas ($)

Special ($)

Other ($)

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 Citi Double Cash® Card (no annual fee) 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.

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Meet the Contenders

Citi Double Cash Card

Unlimited 2% cash back on all purchases. Earns a solid 2.0% on everything else.

Annual fee: None Sign-up bonus: $200 after $1,500 spend in 6 months Foreign fees: 3%

Perfect if: You're comfortable booking through the issuer's own site for the best rate.

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Wells Fargo Autograph Journey Card

Strongest in travel at 3%. 5x on hotels, 4x on airlines, 3x on restaurants and other travel.

Annual fee: $95 Sign-up bonus: 60,000 points after $4,000 spend in 3 months Foreign fees: 0%

Perfect if: You want a strong rewards rate with no spending caps to worry about.

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Head-to-Head Comparison

Feature	Citi Double Cash Card	Wells Fargo Autograph Journey Card
Annual Fee	$0	$95
Sign-Up Bonus	$200 after $1,500 spend in 6 months	60,000 points after $4,000 spend in 3 months
Foreign Transaction Fee	3%	0%
Base Reward Rate	2.0%	1.0%
Travel Rewards	2%	3%
Dining Rewards	2%	3%
Rates with conditions not counted in the rows above	5% through Citi Travel Earns 5% only on hotels, car rentals and attractions booked through Citi Travel, Citi's own booking site. Travel booked anywhere else earns the flat 2%.	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	Unlimited 2% cash back on all purchases.	5x on hotels, 4x on airlines, 3x on restaurants and other travel.

The Verdict

Citi Double Cash Card pulls ahead for groceries, gas spending.

Wells Fargo Autograph Journey Card wins on travel, dining.

The $95/year fee difference means Wells Fargo Autograph Journey Card needs to earn about that much more in rewards to justify its cost.

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.