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Wells Fargo Autograph Journey vs Signify Business Cash

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. Signify Business Cash 2.0% 2% base rate
  2. Autograph Journey 1.8% 1x base rate

Dining

  1. Autograph Journey 5.3% 3x
  2. Signify Business Cash 2.0% 2% base rate

Flights

  1. Autograph Journey 7.0% 4x
  2. Signify Business Cash 2.0% 2% base rate

Hotels

  1. Autograph Journey 8.8% 5x
  2. Signify Business Cash 2.0% 2% base rate

Car rental

  1. Autograph Journey 5.3% 3x
  2. Signify Business Cash 2.0% 2% base rate

Cruises

  1. Autograph Journey 5.3% 3x
  2. Signify Business Cash 2.0% 2% base rate

Travel agencies

  1. Autograph Journey 5.3% 3x
  2. Signify Business Cash 2.0% 2% base rate

Campgrounds

  1. Autograph Journey 5.3% 3x
  2. Signify Business Cash 2.0% 2% base rate

What the numbers are doing

Abroad the answer flips: Signify Business Cash charges a 3% foreign transaction fee, so once that comes off the rate Autograph Journey is the better card for everyday spend.

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

Where they differ: Signify Business Cash takes everything else; Autograph Journey takes dining, flights, hotels and car rental, plus 3 more.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseSignify Business Cash2.0%
DiningAutograph Journey5.3%
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. Signify Business Cash — 2.0%
  2. Autograph Journey — 1.8%

Dining

  1. Autograph Journey — 5.3%
  2. Signify Business Cash — 2.0%

Flights

  1. Autograph Journey — 7.0%
  2. Signify Business Cash — 2.0%

Hotels

  1. Autograph Journey — 8.8%
  2. Signify Business Cash — 2.0%

Car rental

  1. Autograph Journey — 5.3%
  2. Signify Business Cash — 2.0%

Cruises

  1. Autograph Journey — 5.3%
  2. Signify Business Cash — 2.0%

Travel agencies

  1. Autograph Journey — 5.3%
  2. Signify Business Cash — 2.0%

Campgrounds

  1. Autograph Journey — 5.3%
  2. Signify Business Cash — 2.0%
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