Navy Federal Flagship Premier Visa Signature vs Wells Fargo Autograph Journey℠ Card

Navy Federal Flagship Premier Visa SignatureNavy Federal Flagship Premier Visa Signature

Navy Federal

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Wells Fargo Autograph Journey℠ CardWells Fargo Autograph Journey℠ Card

Wells Fargo

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Annual Fee
$95
$95
Card Type
Personal
Personal
Rewards Currency
Navy Federal Points
Wells Fargo Rewards
Point Value
1.00¢/pt
1.00¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
—
20,000 Wells Fargo Rewards after $1,000 in 90 days

Effective return by category

CategoryNavy Federal Flagship Premier Visa SignatureWells Fargo Autograph Journey℠ Card
Hotels & Lodging4.00%
4x
5.00%
5x
Airfare4.00%
4x
4.00%
4x
Travel4.00%
4x
3.00%
3x
Card Travel Portals4.00%
4x
3.00%
3x
Car Rentals4.00%
4x
3.00%
3x
Dining & Restaurants3.00%
3x
3.00%
3x
Everything else1.00%
1x
1.00%
1x

Returns are multiplier × point value, using your “smart” setting. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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