The Wells Fargo Autograph Journey is a personal credit card from Wells Fargo Autograph Journey. Application typically pulls a hard report from Experian. The annual fee is $95. The ongoing APR is 19.49%, 25.49%, or 28.49% Variable APR after a 0% introductory rate. Approval typically requires a credit score of 700 or higher. Signup bonus: 60,000 bonus points. Rewards: 5x points on hotels, 4x on airlines, car rentals, popular rideshares; 3x on dining, transit, popular streaming; 1x on everything else. Up to 60,000 bonus points.. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: Wells Fargo enforces a 6-month rule (no new Wells Fargo card approvals within 6 months of your last Wells Fargo card opening). Wells Fargo pulls Experian as the primary bureau in most states..