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COMPARE/HILTON HONORS AMERICAN EXPRESS SURPASS CARD VS WELLS FARGO AUTOGRAPH JOURNEY
FIRST CARD
SECOND CARD

Hilton Honors American Express Surpass Card or Wells Fargo Autograph Journey?

Hilton Honors American Express Surpass Card returns $50 over its fee and Wells Fargo Autograph Journey returns $45, so the fee difference comes down to which categories you use.

Hilton Honors American Express Surpass Card
Hilton Honors American Express Surpass CardAmerican Express · $150 fee · 1 credits
Wells Fargo Autograph Journey
Wells Fargo Autograph JourneyWells Fargo · $95 fee · 1 credits
NET VALUE+$50$200 credits
NET VALUE-$45$50 credits
BEST NET VALUE
Hilton Honors American Express Surpass Card
AMERICAN EXPRESSHilton Honors American Express Surpass Card
FEE$150
CREDITS$200
NET+$50
Category wins1 of 1
ADDITIONAL BENEFITS
HOTEL FREE NIGHT CERTIFICATES
Hilton Surpass Free Night
Wells Fargo Autograph Journey
WELLS FARGOWells Fargo Autograph Journey
FEE$95
CREDITS$50
NET-$45
Category wins0 of 1
TAKE THE HILTON HONORS AMERICAN EXPRESS SURPASS CARD IF

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Frequently asked questions

Which is better, Hilton Honors American Express Surpass Card or Wells Fargo Autograph Journey?

The Hilton Honors American Express Surpass Card is better with $50 net annual value compared to the Wells Fargo Autograph Journey at -$45. The Hilton Honors American Express Surpass Card wins by $95/year.

What's the difference between Hilton Honors American Express Surpass Card and Wells Fargo Autograph Journey?

The key differences: Hilton Honors American Express Surpass Card has a $150 annual fee and $200 in annual benefits, while Wells Fargo Autograph Journey has a $95 annual fee and $50 in annual benefits. The annual fee difference is $55.

Which has a lower annual fee, Hilton Honors American Express Surpass Card or Wells Fargo Autograph Journey?

The Wells Fargo Autograph Journey has a lower annual fee at $95 compared to the Hilton Honors American Express Surpass Card at $150. However, the Hilton Honors American Express Surpass Card offers $200 in total annual benefits.

Is the Hilton Honors American Express Surpass Card worth it compared to the Wells Fargo Autograph Journey?

Yes, the Hilton Honors American Express Surpass Card offers better value with $50 net annual value compared to -$45 for the Wells Fargo Autograph Journey. Even though it has a higher annual fee ($150 vs $95), the Hilton Honors American Express Surpass Card provides more total benefits.

Amex vs Wells Fargo: which issuer is better?

For these specific cards, Amex's Hilton Honors American Express Surpass Card offers better value with $50 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.

Which card is better for travel?

The Hilton Honors American Express Surpass Card is better for travel with $200 in annual travel benefits compared to $50 for the Wells Fargo Autograph Journey.

Should I get the Hilton Honors American Express Surpass Card?

If you're deciding between the Hilton Honors American Express Surpass Card and Wells Fargo Autograph Journey, the Hilton Honors American Express Surpass Card is the better choice with $50 net annual value. However, make sure you can use the key benefits to maximize value. Compare the full benefit breakdown to see which fits your spending better.

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MORE HILTON HONORS AMERICAN EXPRESS SURPASS CARD COMPARISONS

MORE WELLS FARGO AUTOGRAPH JOURNEY COMPARISONS