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. Wells Fargo Autograph Journey Card needs about $265 a month in hotels, counting that spending alone, to make up its $95 higher annual fee over Citi Double Cash Card. Below that, Citi Double Cash Card comes out ahead. Enter your monthly spending above to see which comes out ahead for you.
Unlimited 2% cash back on all purchases. Earns a solid 2.0% on everything else.
Perfect if: You're comfortable booking through the issuer's own site for the best rate.
Apply NowStrongest in hotels at 5%. 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 | 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% | 1% |
| Flights Rewards | 2% | 4% |
| Hotels Rewards | 2% | 5% |
| Other 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%. |
None |
| Key Benefits | Unlimited 2% cash back on all purchases. | 5x on hotels, 4x on airlines, 3x on restaurants and other travel. |
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.