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Credit Card Coups
COMPARE/THE RITZ-CARLTON CREDIT CARD VS WELLS FARGO AUTOGRAPH JOURNEY
FIRST CARD
SECOND CARD

The Ritz-Carlton Credit Card or Wells Fargo Autograph Journey?

Wells Fargo Autograph Journey returns $45 over its fee and The Ritz-Carlton Credit Card returns $120, so the fee difference comes down to which categories you use.

The Ritz-Carlton Credit Card
The Ritz-Carlton Credit CardChase · $450 fee · 2 credits
Wells Fargo Autograph Journey
Wells Fargo Autograph JourneyWells Fargo · $95 fee · 1 credits
NET VALUE-$120$330 credits
NET VALUE-$45$50 credits
The Ritz-Carlton Credit Card
CHASEThe Ritz-Carlton Credit Card
FEE$450
CREDITS$330
NET-$120
Category wins1 of 1
ADDITIONAL BENEFITS
HOTEL FREE NIGHT CERTIFICATES
Marriott 85k Free Night
LOUNGE ACCESS
Chase Sapphire Lounge Access
Priority Pass Select (No Restaurants)
BEST NET VALUE
Wells Fargo Autograph Journey
WELLS FARGOWells Fargo Autograph Journey
FEE$95
CREDITS$50
NET-$45
Category wins0 of 1
TAKE THE THE RITZ-CARLTON CREDIT CARD IF

You use travel.

Where to use each card

THE RITZ-CARLTON CREDIT CARD
🛫
Airport Lounges48 LOCATIONS
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WELLS FARGO AUTOGRAPH JOURNEY

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Frequently asked questions

Which is better, The Ritz-Carlton Credit Card or Wells Fargo Autograph Journey?

The Wells Fargo Autograph Journey is better with -$45 net annual value compared to the Ritz-Carlton Credit Card at -$120. The Wells Fargo Autograph Journey wins by $75/year.

What's the difference between The Ritz-Carlton Credit Card and Wells Fargo Autograph Journey?

The key differences: The Ritz-Carlton Credit Card has a $450 annual fee and $330 in annual benefits, while Wells Fargo Autograph Journey has a $95 annual fee and $50 in annual benefits. The annual fee difference is $355.

Which has a lower annual fee, The Ritz-Carlton Credit Card or Wells Fargo Autograph Journey?

The Wells Fargo Autograph Journey has a lower annual fee at $95 compared to the Ritz-Carlton Credit Card at $450. However, the Ritz-Carlton Credit Card offers $330 in total annual benefits.

Is the Wells Fargo Autograph Journey worth it compared to the Ritz-Carlton Credit Card?

Yes, the Wells Fargo Autograph Journey offers better value with -$45 net annual value compared to -$120 for the Ritz-Carlton Credit Card. It also has a lower annual fee.

Chase vs Wells Fargo: which issuer is better?

For these specific cards, Wells Fargo's Wells Fargo Autograph Journey offers better value with -$45 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.

Which card is better for travel?

The Ritz-Carlton Credit Card is better for travel with $300 in annual travel benefits compared to $50 for the Wells Fargo Autograph Journey.

Should I get the Wells Fargo Autograph Journey?

If you're deciding between the Ritz-Carlton Credit Card and Wells Fargo Autograph Journey, the Wells Fargo Autograph Journey is the better choice with -$45 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.

Other comparisons

NET VALUE SHOWN FOR EACH
American Express Platinum+$2,109
VS
Chase Sapphire Reserve+$2,348
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American Express Platinum+$2,109
VS
Capital One Venture X-$65
See the breakdown →
Capital One Venture X-$65
VS
Chase Sapphire Reserve+$2,348
See the breakdown →
American Express Business Platinum+$1,284
VS
Chase Sapphire Reserve for Business+$1,155
See the breakdown →
American Express Delta SkyMiles Reserve-$60
VS
Chase United Quest+$456
See the breakdown →
American Express Gold+$99
VS
American Express Platinum+$2,109
See the breakdown →

MORE THE RITZ-CARLTON CREDIT CARD COMPARISONS

MORE WELLS FARGO AUTOGRAPH JOURNEY COMPARISONS