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Wells Fargo Autograph Journey vs Choice Privileges Mastercard

Both are Wells Fargo cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. Autograph Journey 1.8% 1x base rate
  2. Choice Privileges Mastercard 0.9% 1x base rate

Dining

  1. Autograph Journey 5.3% 3x
  2. Choice Privileges Mastercard 0.9% 1x base rate

Groceries

  1. Choice Privileges Mastercard 2.6% 3x
  2. Autograph Journey 1.8% 1x base rate

Gas

  1. Choice Privileges Mastercard 2.6% 3x
  2. Autograph Journey 1.8% 1x base rate

Furniture stores

  1. Choice Privileges Mastercard 2.6% 3x
  2. Autograph Journey 1.8% 1x base rate

Home improvement

  1. Choice Privileges Mastercard 2.6% 3x
  2. Autograph Journey 1.8% 1x base rate

Flights

  1. Autograph Journey 7.0% 4x
  2. Choice Privileges Mastercard 0.9% 1x base rate

Hotels

  1. Autograph Journey 8.8% 5x
  2. Choice Privileges Mastercard 0.9% 1x base rate

Car rental

  1. Autograph Journey 5.3% 3x
  2. Choice Privileges Mastercard 0.9% 1x base rate

Cruises

  1. Autograph Journey 5.3% 3x
  2. Choice Privileges Mastercard 0.9% 1x base rate

Travel agencies

  1. Autograph Journey 5.3% 3x
  2. Choice Privileges Mastercard 0.9% 1x base rate

Campgrounds

  1. Autograph Journey 5.3% 3x
  2. Choice Privileges Mastercard 0.9% 1x base rate

What the numbers are doing

The table is earn rate only — annual fees are not netted out of it. These cards charge Autograph Journey $95 and Choice Privileges Mastercard $0 a year, so a thin lead in one category may not cover the difference.

Where they differ: Autograph Journey takes everything else, dining, flights and hotels, plus 4 more; Choice Privileges Mastercard takes groceries, gas, furniture stores and home improvement.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseAutograph Journey1.8%
DiningAutograph Journey5.3%
GroceriesChoice Privileges Mastercard2.6%
GasChoice Privileges Mastercard2.6%
Furniture storesChoice Privileges Mastercard2.6%
Home improvementChoice Privileges Mastercard2.6%
FlightsAutograph Journey7.0%
HotelsAutograph Journey8.8%
Car rentalAutograph Journey5.3%
CruisesAutograph Journey5.3%
Travel agenciesAutograph Journey5.3%
CampgroundsAutograph Journey5.3%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Autograph Journey — 1.8%
  2. Choice Privileges Mastercard — 0.9%

Dining

  1. Autograph Journey — 5.3%
  2. Choice Privileges Mastercard — 0.9%

Groceries

  1. Choice Privileges Mastercard — 2.6%
  2. Autograph Journey — 1.8%

Gas

  1. Choice Privileges Mastercard — 2.6%
  2. Autograph Journey — 1.8%

Furniture stores

  1. Choice Privileges Mastercard — 2.6%
  2. Autograph Journey — 1.8%

Home improvement

  1. Choice Privileges Mastercard — 2.6%
  2. Autograph Journey — 1.8%

Flights

  1. Autograph Journey — 7.0%
  2. Choice Privileges Mastercard — 0.9%

Hotels

  1. Autograph Journey — 8.8%
  2. Choice Privileges Mastercard — 0.9%

Car rental

  1. Autograph Journey — 5.3%
  2. Choice Privileges Mastercard — 0.9%

Cruises

  1. Autograph Journey — 5.3%
  2. Choice Privileges Mastercard — 0.9%

Travel agencies

  1. Autograph Journey — 5.3%
  2. Choice Privileges Mastercard — 0.9%

Campgrounds

  1. Autograph Journey — 5.3%
  2. Choice Privileges Mastercard — 0.9%
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