Wells Fargo Autograph Journey Visa Card

On the record for Wells Fargo Autograph Journey Visa Card: a 12.74% purchase APR and a $95 annual fee, filed by Wells Fargo Bank. That purchase rate ranks near the 9th percentile across this corpus of 4,587 filings.

What the agreement puts on the record

What follows is drawn entirely from Wells Fargo Bank's CFPB filing for Wells Fargo Autograph Journey Visa Card. It is issued on the Visa network and the filing runs 21 pages.

On the record here: a purchase rate, a cash advance rate, a balance transfer rate, an annual fee line and a late payment maximum. It is silent on a penalty rate.

The purchase APR against the corpus

The purchase APR of 12.74% places this agreement around the 9th percentile of the set — it falls in the low band of the corpus.

Because the rate is variable, the figure quoted is tied to an index and will drift with it. Nothing here is a fixed commitment.

The arithmetic of revolving

Put $1,500 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $204.

The corpus median purchase rate is 21.99%, which on the same $1,500 would cost about $369 a year. This filing saves roughly $165 annually against that benchmark.

Note the $1 minimum interest charge, which overrides the arithmetic above whenever the calculated interest falls below it.

These figures are arithmetic on the disclosed rate, not a quote: they assume the balance is never reduced, ignore any payments, and take no account of fees charged separately.

When a payment is late

The maximum late fee is $40 — roughly the 72nd percentile of the late fee ceilings disclosed across this index.

Charges beyond interest

Holding the card costs $95 a year before any transaction takes place — about the 92nd percentile among agreements in this index that state a fee.

Cash advances carry a cash advance fee of $10 or 5% of the advance, whichever is greater and a cash advance APR of 22.74%. That is 10 points above the purchase rate. The two halves of that fee cross at about $200: below it the flat $10 applies, above it the percentage does.

Moving a balance onto this card carries an up-front charge of 28.49% of the amount transferred, with the transferred balance priced at 22.74%. Shifting $3,000 across attracts something like $855 in fees on day one.

The foreign transaction fee is zero — a minority position in this corpus, where roughly 22% of disclosing filings waive it.

The grace period

The filing gives 25 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest.

The $1 minimum interest charge means the effective cost of carrying a very small balance is far higher than the quoted APR implies.

How it sits in the issuer's own range

There are 28 filings from Wells Fargo Bank in this index. Their disclosed purchase rates run from 9.74% to 28.99%, and this one at 12.74% is more expensive than 6 of them.

What the filing does not tell you

Absent from the captured terms: penalty pricing. The original document is the place to look for any of these.

More broadly, a CFPB agreement filing is a legal and pricing document. It does not describe rewards, benefits, sign-up offers, eligibility or approval criteria, and nothing of that kind has been inferred on this page. Where a card has features of that sort, they live outside this document entirely.

Reading the agreement yourself

The filed PDF is linked from this page and runs 21 pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

In short

12.74% places this filing at the inexpensive end of the set, which is the headline here. Against that sits the $95 annual fee, which is unavoidable once the account is open.