💳👇 VIEW CREDIT CARD OFFERS! markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! markscreditcards.com/rakuten ⬆ (More links in Description below video!)

3x dining kills the AMEX Gold with $45 EAF.... if WF adds Hyatt, Aeroplan, AA... we'll see bunch of new elevated Chase & AMEX bonuses 😂

@MarkReese

4 ай бұрын

And to that I'd say ... Bring on an even better WF card + bigger offers from other issuers! I'll take 'em all 🎉

@frankcutronijr

4 ай бұрын

Amex caters to high income earners with the Gold and Platinum card.

@michaelgrayson409

4 ай бұрын

4 > 3 🤔

@georgeadams890

4 ай бұрын

Gold has a EAF of $10 and has 4x dining and food. Gold still wins

@KB-Unc

4 ай бұрын

Thats a huge IF....JUST heard sebby talk about this card and this card sucks....I was like let me hear what this guy has to say....bc it sounds terrible!

I'm stoked as I saw this morning the news. I called my WF Branch since I bank there, I'm scheduled to go apply there Mar 9 in the morning. I'll keep you posted how it goes.

@MarkReese

4 ай бұрын

Right on, good luck! 💯

If they get AA or Hyatt. It puts a lot of pressure on some other lenders. This card can really earn.

@MarkReese

4 ай бұрын

Either - or ideally BOTH - would be incredibly strong additions 🏆

5x on hotels and 4x on airlines without using a travel portal is CRAZY!! Along with an easy to use $50 credit. Chase needs to update their CSP $50 credit to be used with any travel (like the CSR) now! I'll love to see how chase responds! I would love to see trip delay protection too What's even crazier is the only overlap with the autograph card is the dining and transit (given you can use the "other travel" as transit) I look forward to applying to this card when I have $4k in spending planned!

@MarkReese

4 ай бұрын

Crazy for sure! We'll see if this new card causes other banks to adapt theirs 💯

@MsLkane

4 ай бұрын

Are there certain items that "qualify" to meet the spending requirement?

@MarkReese

4 ай бұрын

@@MsLkane - For the $50 credit? Or the welcome offer?

@MsLkane

4 ай бұрын

@@MarkReese Oh, the welcome offer of $4k. :)

@TienTran-bi1jv

3 ай бұрын

Yeah. That 50$ hotel credit thst has to be book through chase give me headache every year

The only thing I worry about with additional cards getting transfer partners is that eventually all of these airlines are going to catch on and devalue their points.

@MarkReese

4 ай бұрын

Devaluations are inevitable in most airline & hotel programs, though they almost never happen at the same time. That's why it's good to have a variety of partners to choose from. Also why it's nice to have a points with a guaranteed flat-rate value through a portal (for WF, it's 1 point = 1¢).

Hopefully this kicks chases butt into gear to revamp the csp and csr earning rates.

@MarkReese

4 ай бұрын

YES 👊

@MetroJet2000

4 ай бұрын

@@MarkReeseI’ll be happy if they at least change the online grocery category to all grocery.

@MarkReese

4 ай бұрын

@@MetroJet2000 - Yep that NEEDS to happen 👍

I can still transfer my Active Cash rewards to my Autograph card. I just did it a few minutes ago. This will be the best no annual fee two card combo!

@MarkReese

4 ай бұрын

LEGIT 🏆

That 5X-4X-3X-1X rewards structure ROCKS 🏆 Even better with transfer partners ✈

@MarkReese

4 ай бұрын

Yes. It. DOES! 🏆

I’m very happy with my Autograph card. Looks like I’ll be expanding. Wells Fargo has really changed the game since they rolled out the Propel card, their customer “tester” card in my opinion

@MarkReese

4 ай бұрын

Glad to hear that! I agree the WF Autograph is an excellent card.

Dang good card! Hope they throw in some lounge access! Thanks for the info + video!

@MarkReese

4 ай бұрын

I'd like to see that, too!

It sounds like Chase Sapphire Preferred just got a head-to-head competitor. If WF can just bring in one other hotel group, Hilton, Marriott, Hyatt, IHG, this will be for real

@BruceLeeCredit

4 ай бұрын

It must be Hyatt. Chase is done if WF Gets hyatt with this low annual fee travel card and multipliers.

@MarkReese

4 ай бұрын

It sure did! Although arguably the Bilt Mastercard was the first head-to-head competitor. Its multipliers, 1.25¢ per point portal redemption rate, and transfer partners are a direct strike at Chase.

There may be "no foreign transaction fees" but make sure to take a look at the currency conversion rates, which is where you will be paying dearly. Remember: refuse any offers to convert your transaction to your home currency.

@MarkReese

4 ай бұрын

Good point 🌎💶

I finished planning out the spending requirement for this card this morning. And will be applying for this card in late Q3 or early Q4 this year. I reworked almost my entire 5 year credit card road map after WF dropped the official details of this card.

@MarkReese

4 ай бұрын

Legit! This card will be a solid addition for a lot of people, you included! ✈

@jeffreyplatt7703

4 ай бұрын

@@MarkReese yeah man definitely. My plan is to have trifectas with every major credit issuer. My original plan for the remainder of the year was to apply for the active cash card and call it a year.

This is exciting! I may have to product change my no annual fee version of this card for this annual fee version once it’s released since I just received the Bilt card within the last couple of months.

@MarkReese

4 ай бұрын

Legit! Congrats on adding Bilt 👊

Mark is a maestro at breaking down the credit cards and getting me excited for them. Bravo! 🐎💳🎶

@MarkReese

4 ай бұрын

😎👊💳

very smart of them and a good product. I have the autograph now, will wait till year end to apply but I def will!

@MarkReese

4 ай бұрын

Smart indeed! 💡 Good luck on your application when the time is right!

@everettsager4654

4 ай бұрын

I would do it sooner then later, don't know how long that 60 000 point bonus will last.

The two autographs together slay the AMX Green. I'm not worried about the Transfer Partners... they will come.

@MarkReese

4 ай бұрын

Fantastic multipliers 👌

Got both cards but keeping Amex Platinum for Delta lounge access plus FHR/hotel collections benefits.

Wife just approved for this card! We are out of credit card jail! Now I just need to move points from virgin Red to a compatible airline with this card.

@MarkReese

3 ай бұрын

Congrats to her!

All they need to do now is add a grocery bonus category on the Autograph card and we are in business!!

@MarkReese

4 ай бұрын

Agreed, grocery is needed 💯

Waiting for the "watch me apply" video

@MarkReese

4 ай бұрын

Likely going to be a long wait 😬

@Black____

4 ай бұрын

@@MarkReese Completely understand.

Do you think that 6 month waiting period would apply to the Signify business cards they have coming out? If i just go the Active Cash id have to wait to apply to the WF Signify Cash?

@MarkReese

4 ай бұрын

Not sure at this point. None of the cards are officially launched yet.

So disappointed of WF in Clearwater branch. Scheduled to apply in person but turned out that their branch bankers didn’t know about AJ or even the press release on WF that March 9, AJ can be applied in selected branches.

@MarkReese

4 ай бұрын

Bummer. Consider calling another branch or wait until March 20 for the nationwide / online rollout.

Nice Mark. Would have liked you to cover the Active Cash card as a combo with this new card

@MarkReese

4 ай бұрын

Perhaps in a future video 🎬

I have Amex platinum and the 1x annoys me more every year. In December I got the Amex Marriott Bonvoy brilliant and honestly think it might be a better card than the platinum.

@MarkReese

3 ай бұрын

1X is lame 😬

They are trying to mimic Citi setup, however with Citi you can get 5x in almost any category, including gas, groceries, drugstores, dining and travel. They will be worth if they add AA and Alaska as transfer partners.

@MarkReese

4 ай бұрын

Citi's setup is worth mimicking 💯

Do you know, if I can apply for Choice Select card after getting Autograph Journey without waiting for 6 month? The language on the Choice Select doesn't have such restrictions.

@MarkReese

Ай бұрын

I can't guarantee it. If the language isn't there, then it should be possible.

Would you be able to stack it with other site like Rakuten for booking flights and hotel Since it doesn’t specify the booking?

@MarkReese

4 ай бұрын

Not sure yet.

@royt024

4 ай бұрын

@@MarkReese thanks mark

5x on hotels is good that's only 2 less than many co branded cards. 4x on airlines is for me the best one. Hope to see a domestic airline on there soon. Good job.

@MarkReese

4 ай бұрын

For sure! And "2 less" than cobranded cards doesn't necessarily mean 2% less value. Many hotel points have an average value of 0.5 - 0.8¢ per point, whereas WF points have a flat rate of 1.0¢ per point. The math can change based on how the hotel points are maximized of course.

Great information thanks for sharing

@MarkReese

4 ай бұрын

Sure thing!

The fact they are adding more partners throughout the year is mind blowing, could this actually dethrone travel cards???

@MarkReese

4 ай бұрын

Depends on which partners they add 👍 Some of the ones people may want have exclusive contracts with certain banks.

You dont get the airport lounge accesses, right?

@MarkReese

4 ай бұрын

Correct 👍

The American Express Platinum is just OP in so many other ways that I don't agree that it beats it. I will say that it is better than the American Express Gold though.

Interesting not groundbreaking. I have a Wells checking, savings and credit card I’ve had for 15 years so may get the new card but no rush. My AMEX Platinum, AMEX Gold and Costco Citi are my core cards for earn and spend/enjoy so not sure where this new card fits in.

@MarkReese

4 ай бұрын

Good setup! 👊

@brandenflasch

4 ай бұрын

That’s my main setup also

@yurig2530

4 ай бұрын

Costco is your core card? Why?

@cjjohnson4231

4 ай бұрын

@@yurig2530 25 year Costco customer and Executive Costco Citibank card to get cash back. One of the best retailers on the planet. Gasoline, some food and other stuff. Travel is AMEX Platinum. Most groceries and dining is AMEX Gold.

@cjjohnson4231

Ай бұрын

@@yurig2530 good earn back on gas and bulk groceries. You can get 10% back for some items via shop card. For example, bought a full house generator a few years ago and got $1500 Costco shop card. The had best pricing in southwest FL. Honestly, I wish they still had their AMEX partnership, you could double dip.

Great cards wish they would add grocery and Hyatt. Also it be great if they could hook up with Rakuten

@MarkReese

4 ай бұрын

I'd welcome all 3 😁

But…does it offer a Saks Fifth Avenue credit like a platty does ?

@debbiericker8223

4 ай бұрын

And, there is absolutely nothing nada zilch that I want on the Saks website that I can get for that $50 once you add in tax and $10+ for shipping.

@Mehbymeh

4 ай бұрын

Still my AMEX Platty is shiny and has a nice weight and i feel like a VIP holding it, especially since everyone has it.@@debbiericker8223

@MarkReese

4 ай бұрын

I'm happy to say...NO 😁

Please do a comparison of Autograph vs Autograph Journey. Love your channel from day one brother. 🤙🏾

@MarkReese

4 ай бұрын

I'll consider it!

If you watch this video and then go watch literally every other video on this card you will see why it’s my opinion that Mark is the best at what he does. Absolutely fantastic review and an absolutely fantastic credit card. I’m just about a week away from getting my AMEX Platinum statement which will have my AF on it and while I’m 100% sure that I’ll keep it for another year it’s looking less and less likely that I’ll keep it next year. I got the Venture X at the end of January and I’m waiting a minimum of 6 months before I apply for the Savor One to complete the Capital One duo, I already have a Chase quadfecta as well so it’s feeling like it’s time to do away with a setup and while I love AMEX it’s looking like their are much cheaper options that fit my lifestyle even better. Regardless of all that, if Wells Fargo doesn’t nerf these cards by this time next year I’ll probably try to add this card and the Autograph because why not?🤣

@MarkReese

4 ай бұрын

Thank you, Chris! Congrats on the C1VX 🏆

If they add Hyatt or Marriot as partners plus swap out one of the overlapping categories for groceries in the no annual fee autograph, they will be ahead of most other banks.

@MarkReese

4 ай бұрын

That'd be awesome 🥇

Thanks for providing a easy to understand video. Watching your videos like being in a class. I just hit the sign up bonus on the regular autograph. But I don't understand how was BILT going to fit into all this, and what is the premium card going to look like???

@MarkReese

4 ай бұрын

I'm not sure either. Bilt points are different than Wells Fargo points. I'd bet that Bilt wants to protect & differentiate their program. We'll have to see how it all develops! Did you get approved for the Autograph?

@danniesingletary4630

4 ай бұрын

Yes I did. As a matter of fact I hit the sign up bonus last month.

@MarkReese

4 ай бұрын

@@danniesingletary4630 - Right on, congrats! 🏆

Is missing a lot of multipliers in the entertainment category. Streaming, cable, internet provider, etc.

@MarkReese

4 ай бұрын

Correct, but this is meant to be a card that rewards travel.

I was initially mad WF converted my old Signature card (which got 1.75% on travel through their travel portal) to an Autograph card, but that led me to research other options (learning a lot along the way) and now my ‘old’ card is useful again. Lol. 😂

@MarkReese

3 ай бұрын

😁💯

Does it stack with the Active CASH. I think THAT is what people need to know.

@MarkReese

4 ай бұрын

Since that card hasn't launched yet for anyone to test, I can't say. Someone else mentioned in the comments that as of today (3.06.2024), they were still able to transfer Active Cash rewards to Autograph ($0 AF) points 👍

IMO Autograph Journey compares better with the Amex Green card. Both Green and Autograph Journey offer strong point multipliers. Both have credits that limit annual fees to $95. If I was starting out on transfer points today, I would apply for Green, Autograph, Cap One Venture and Chase trifecta would be my choices.

@MarkReese

4 ай бұрын

Solid cards right there!

Wow, this is impressive. With the two autograph cards, plus one card with a grocery benefit your wallet would be all set. The only thing I’d really like to see is a Priority Pass membership to seal the deal. Frequent travelers want lounge access.

@MarkReese

4 ай бұрын

Definitely impressive. I too would like to see a Priority Pass membership. Not many low-fee cards offer that.

@geraldalves9107

4 ай бұрын

WF is not done yet, they're also supposed to release the Autograph Beyond card which is supposedly their version of a premier travel card so that will most likely have priority pass. They also have two more lines of Signify Business cards that are also point earners so it could rival the Ink Cards. This year could be Wells Fargo's year.

@MarkReese

4 ай бұрын

@@geraldalves9107 - The anticipation builds!

@this-is-big-john

4 ай бұрын

Dont forget the WF Active cash for a flat 2%

As someone who is planning to get the Active Cash as a catch-all Apple Card replacement and the Wells Fargo Autograph for the gas, transit, streaming, and phone plans aspect, would this card in your opinion be better than Bilt even considering the Rent cashback benefits? Because before this, Bilt (use currently for rent, restaurants, Lyft) was going to be that main travel card but now…

@MarkReese

4 ай бұрын

The Bilt Mastercard currently has a more compelling program for travel redemptions. For cash back, however, the WF-branded cards are significantly better than Bilt.

@yurig2530

4 ай бұрын

Bilt is only 2x for travel and 3x for Lyft. You can do better with other cards, such as any Chase card for Lyft is 5x and CSR is 10x. You can add 2x from Bilt on Lyft without a card. For restaurants there are currently cards which give 5x, such as Citi Prestige and Custom Cash.

I wish I didn't miss the choice privileges original bounes.

This was probably answered in the video so my apologies. But for the 5x Unlimited Hotels, is that with ANY HOTEL? With my Navy Federal card, I get unlimted 3x points regardless of the hotel/website used. Even through third party booking sites.

@MarkReese

4 ай бұрын

As I understand it so far, it's 5X Hotels (unlimited) when booked directly with the hotel website ... if you use a 3rd-party site, I think it would fall under "Other Travel" and earn 3X. I can't guarantee this yet as I don't have full details pre card launch. If you're referring to the Navy Federal Visa Signature Flagship Travel Rewards Credit Card, that card earns 3X on "Travel," which is a much broader category than "Hotels."

@chand.4401

4 ай бұрын

​@@MarkReese Touche! Im looking foward to see how this plays out.

Great video Mark. I don’t think this kills the Platinum because Amex has a loyal following. What this does do is bring Wells Fargo to the table as another option for consumers, which is great. Typically you either have a majority of people going with the Platinum, Venture X, or going with the Sapphire Reserve. Amex is said to be revamping 40 products this year, obviously that means products in other markets as well. I really wish they would fix the earning on the Platinum. You essentially have to carry more cards around to maximize earning on your vacation and it would be nice if you could just carry 2. Actually if you carry the gold and green card around on vacation that would cover most categories but at that point you you’re looking at $1095 in annual fees. As Wells Fargo rolls out their phases, we’ll see how the Wells Fargo lineup matches up to Amex, Cap One, and Chase. Not to mention the experiences people have with using the new cards.

@MarkReese

4 ай бұрын

I understand why Amex probably _wants_ people carrying multiple cards, given that their revenue model is heavily bent towards "fee revenue."

The best way to use a credit card is to pay off the balance in full every month. This will help build your credit score and you wont have to pay any interest.

@MarkReese

4 ай бұрын

A great habit to have 💯

Most cards dont consider timeshares as travel anymore so this is nice for anyone who has

@MarkReese

4 ай бұрын

For sure 👍

If they change the original autograph's 3% dining to groceries, the WF trifecta is a pretty great set up. The active cash, autograph, and autograph journey.... Not too keen on a set up with no grocery multiplier. Overlapping dining is poor... like chase does.

@MarkReese

4 ай бұрын

Agreed 💯 Adding Grocery would be fantastic.

I absolutely hated my experience with Wells Fargo from a banking perspective but this card sounds very compelling. AMEX better refresh that Plat asap if they don't want to bleed customers

@MarkReese

4 ай бұрын

Sorry to hear that your experience was bad.

It's a strong offering. I thought it might be a replacement for Amex Green too but it really does seem to be missing a few travel catagories.

@MarkReese

4 ай бұрын

💯👍

Might get this will be the fist card from from Wells Fargo been banking with them for 6 years

@MarkReese

4 ай бұрын

💯👍

Mark, I'm a Fan of the show. This is good information. It sounds like you got a scoop on this one. While 5% on hotels and the other benefits are good, I would hardy call this an AMEX killer.

@MarkReese

4 ай бұрын

Just a killer from a rewards multiplier standpoint 😁

Awesome. It's worth looking into.

@MarkReese

4 ай бұрын

I think so too!

I expected more than that lol 😂, and I went further and opened 4 new credit cards for all of us when the offer was $300 cash back thinking that would include the transfer partners lol 😜, will see if we can apply for the new card next year lol 😝 to make it all in Wells Fargo lol 😅

@MarkReese

4 ай бұрын

😁👍

This is great news! I'm looking to add to my 2 card family. I was looking at BILT for rent payment purposes and their points. Now I'm torn on which one to get first. This would be great if it also offered 0% for say 6 - 12 mos. But we can't everything. :) Thank you for the video breakdown.

@MarkReese

4 ай бұрын

Could be a good addition! - Bilt = excellent for earning rewards over the long term on rent. - WF Autograph Journey = excellent for a big bonus upfront (60K) after meeting the spend requirement. - There's also the option of both 😁

@MsLkane

4 ай бұрын

@@MarkReese Ok! I may just apply for BILT first and wait the 6 months to apply for the AJ. I only have 2 cards now (NFCU Cash Rewards & CP1 Amazon Visa that are 4 years old with a 743 Fico. I'm trying to find my way to 800+ score. 🙂 Car is paid off (since 2016). I think I need more trade lines to get there. Thanks so much for responding!

@MarkReese

4 ай бұрын

@@MsLkane - If an 800+ score is the goal, the bigger factor will likely be the age of credit history. You may find this video helpful, especially the results from the study about credit age at 10 min 30 sec: kzread.info/dash/bejne/eIhqraeJhNKWZLg.htmlsi=QFylSDYIMyBec1Dj

@MsLkane

4 ай бұрын

@@MarkReese I watched the video and it's very informative. I will take note of the suggestions. :)

I’m curious how this would work in tandem with BILT or if this will help the BILT card.

@MarkReese

4 ай бұрын

I'm curious about this, too.

I'm not the biggest Wells Fargo fan, but I gotta admit they came to compete. No messing around. This puts Amex and Chase on notice. CSP needs revamping with a grocery category. Amex Gold will be canceled by many when the next AF increase happens.

@MarkReese

4 ай бұрын

We need a "real" grocery category on the CSP 😬

It's almost universally known that the Amex plat is a terrible earner. You're paying for a coupon book and status at certain airlines/hotels/rental car companies.

@MarkReese

4 ай бұрын

👍👍

I think this would be a great card for college students studying abroad or backpackers. Personally I don't care about hotel statuses, I have Genius level 3 from studying abroad and traveling a bit, and I'll just book the cheapest room I can find in Paris or wherever and I'm happy. There aren't too many cards which give rewards on that type of travel. The only cards I can think of are the Green Card, but generally that's not great for international travel and acceptance. The Sapphire Reserve, but you might need to eat that $250 fee, and the Autograph but no transfer partners.

@JazzyMarineVet

4 ай бұрын

Same here. I dont give a hoot about a high end hotel suite room with XYA. I all Ima do is shower and sleep. A mid quality hotel is good for me.

@MarkReese

4 ай бұрын

Great observation 💯

If they add Hyatt and American Airlines, Chase will be gone!! Until then, no value for me with those transfer partners.

@MarkReese

4 ай бұрын

I'd like to see both as well 🏆

Man I wish Chase would get a single card like this. Chase points are my best value with where I travel and where I am at.

@MarkReese

4 ай бұрын

I'd like to see Chase do that, too 👊

Can you get the points as cash back instead. I travel 1-2x internationally and 1-2x domestic. I’m currently too invested in chase and Amex. I just want to know if I can have the points as cash back just in case.

@MarkReese

4 ай бұрын

Yes, WF points can be redeemed as cash back at a value of 1¢ per point.

I’d love if they had AA and Hyatt as transfer partners, but I’m sure Bilt Rewards ensured they wouldn’t be made obsolete

@MarkReese

4 ай бұрын

I'd like to see that, too 💯 Not sure how WF vs. Bilt will proceed to make sure each program is differentiated ... or if they'll cross over (to some degree) at some point.

I may product change if allowed to avoid an inquiry

@MarkReese

4 ай бұрын

💯👍

This autograph journey is amazing !! A game changer

@MarkReese

4 ай бұрын

🏆🏆🏆

@yurig2530

4 ай бұрын

Hardly a game changer, however unlimited 5x on hotels is great, the rest is not so far.

Got the autograph card 2 weeks after the bilt card I’m not sure if bilt counts as a wells Fargo account

@MarkReese

2 ай бұрын

I'm not sure either. Perhaps not since it's a cobranded card that doesn't earn Wells Fargo points. Congrats on the approval!

Do we know anything about if transferring will be 1 to 1? Is Choice 1 to 2 like Citi?

@MarkReese

4 ай бұрын

Yep, the transfer ratio is 1:1 for the airlines and 1:2 for Choice 👍

@newagain9964

4 ай бұрын

Yes. Not sure why cap1 doesn’t transfer 1:2 for choice also.

@MarkReese

4 ай бұрын

@@newagain9964 - Not sure. Missed opportunity 😬

The WF trifecta is looking pretty awesome

@MarkReese

4 ай бұрын

Sure is!

The Platinum has always blown when it comes to multipliers. I mean even the $95 CSP has crushed it for years, and people generally don’t even value it for spending. People get the Plat for the perks, not the points.

@MarkReese

4 ай бұрын

Exactly right 👊

What are your thoughts on this card's affect on the venture x?

@MarkReese

4 ай бұрын

For those who book travel directly with airlines & hotels, I prefer the WF Autograph for earning. It's also much better for cash back. For those who don't mind using portals, the C1VX is a better product for earning. It's also better for travel redemptions.

"ALL", not "BOTH" - so, does that mean more than just those two like maybe Active Cash or some other cards, as well?

@MarkReese

4 ай бұрын

As I write this, the Active Cash & Autograph are the only rewards-earning cards available from WF. And yes, you can convert / pool rewards between the two by transferring back & forth 👍

@RichColemanTx

4 ай бұрын

@@MarkReese awesome - so potential Wells Fargo Trifecta here, then.

I’m waiting on that video of you applying for that “Autograph Journey”

@MarkReese

3 ай бұрын

Likely going to wait for a long time 😬 Plan = 0 new cards for 2024.

Am I on drugs?? This appears more like a Sapphire Preferred look alike than comparing it to the Plat. The Plat is a compliment card. You could throw a dart and hit many high end cards that don’t have that great earning potential. This is not exciting to me. How much are the wells points worth? Mark, you lost me man.

@MarkReese

4 ай бұрын

I just chose to compare it to the Amex Platinum Card because I'm tired of seeing it be the least rewarding premium card from a rewards earning perspective. WF points = 1¢ per point via the portal. TBD what the "new" average rate will be once transfer partners are factored in (those are the reason why other point programs like Chase / Amex / etc. are valued higher).

This doesn't seem better than Amex Platinum if you spend enough money on airfare/etc. per year to not care about the negative EAF, and isn't as good as the cobrand premium hotel cards for those chains, but is worth getting for random non-cobrand-card hotels and "other travel". I use Amex Gold for dining (4X MR worth more than 4X WF to me), but also worth having a backup non-Amex for the restaurants which don't take Amex. Will definitely apply and overlook the evil WF has done to people in the past.

@MarkReese

4 ай бұрын

💯👍

What's the big hurry? I'll wait until the next CSP elevated bonus forces Wells Fargo's hand, then I'll apply!

@MarkReese

4 ай бұрын

90K - 100K 🏆

Very tempting. But I’m going to wait some.

@MarkReese

4 ай бұрын

💯👍

can you do updated all the credit card review for marriott and hilton :) just a suggestion. always love your videos!!

@MarkReese

4 ай бұрын

Perhaps at some point! 🏆 I'm considering a grouped / combined video for each since there are some many.

@lisapark1758

4 ай бұрын

@@MarkReese love it!!

Looks like a great card if you want a minimal setup, but other than the 5x on Hotels and 4x on airlines, is it worth it to get this over the regular Autograph? Both will have transfer partners, but you're paying a $45 EAF for +2x on hotels and +1x on airlines, am I missing something

@MarkReese

3 ай бұрын

That answer will vary for different people based on how much they spend, what they spend on, and if they want better insurance coverages.

Always a great video

@MarkReese

4 ай бұрын

Thanks!

It's not a future WF trifecta, it's a reality. They are still letting you transfer Active Cash rewards to your Autograph rewards balance, so Journey for travel, Auto for 3x everyday, AC for catchall 2%

@MarkReese

3 ай бұрын

Here's to hoping it'll stay that way! 💯

@Adiscretefirm

3 ай бұрын

@@MarkReese I hope so, there was a week or 2 after the October announcement that Autograph was getting transfer partners where it was disabled but my account still says they are linked

@MarkReese

3 ай бұрын

@@Adiscretefirm - Transfer partners are said to go live on April 04 💯

This is a great card, but wells farcicle still has a ways to go to be a top player (namely a premium travel card with lounge access).

@MarkReese

4 ай бұрын

Definitely room for a top-tier card 💯

@geraldalves9107

4 ай бұрын

There's still the rumored Autograph Beyond card which supposedly is their version of a premium travel card.

not the same transfer partners as Bilt as many hoped. guess I will pass for now on this

@MarkReese

4 ай бұрын

👍👍

Mark what do you think is the best Domestic travel card? Like transfer partners and stuff?

@MarkReese

4 ай бұрын

For domestic travel, I'm a big fan of the Chase Ultimate Rewards ecosystem. CSP + CFF + CFU is one example of a great pairing.

@KParks

4 ай бұрын

​@@MarkReese how is capitol one in that regard? I've never even seen their portal.

@MarkReese

4 ай бұрын

@@KParks - Capital One is also great. I just tend to recommend Chase more because you can get a guaranteed minimum point value of 1.25¢ or 1.5¢ via the portal with the CSP or CSR, respectively, and there are also a couple domestic transfer partners (JetBlue, Southwest, United). Capital One's guaranteed minimum redemption point value is 1.0¢ and there are not any domestic transfer partners. You can still use international carriers to fly domestically, but that requires more work / research.

@KParks

3 ай бұрын

@@MarkReese how does their hotel collection compare? We need a credit card travel portal comparison lol

@MarkReese

3 ай бұрын

@@KParks - I haven't compared them yet ✌

BILT and AA are splitting up. Maybe this means that AA will now be added to the Autograph Journey airline transfer partner list.

@MarkReese

4 ай бұрын

I saw that. However, I highly doubt WF will get AA as a transfer partner because AA has: (a) card contracts in place with Citi and Barclays that are likely exclusive and (b) Bilt was able to work around that because "Bilt Rewards" is a rewards program that's separate from the "Bilt credit card" (i.e., you can still participate even without the Bilt credit card).

Which card do you prefer this card or C1 venture x?

@MarkReese

4 ай бұрын

For travel redemptions, I still prefer the C1VX for now because: - I value lounge access - C1 has a more robust transfer partner program at the moment - I have a lot of non-category spend and earning 2X with a single card is great For cash back redemptions, I prefer the WF Autograph Journey because points are worth 2x more with WF (1.0¢ per point) compared to C1 (0.5¢ per mile) for cash back.

Hopefully still eligible for SUB if you have the standard Autograph. I just product changed (never have gotten a WF SUB) from a useless (to me) Active Cash card to the Auto and then less than a week later this drops! I guess I'll wait six months to be safe

@MarkReese

4 ай бұрын

We'll have to see what the offer terms say once the card goes live online. So far, the $0-AF Autograph only shows the 6-month restrictive language.

Can you book thru Expedia, Orbitz etc?

@MarkReese

2 ай бұрын

Yes, but it's my understanding that those bookings will earn 3X points for the 'Other Travel' category. Per the terms that category includes "purchases made at retailers whose merchant category code is classified as: timeshare, or vehicle/auto rental, cruise lines, travel agencies, discount travel sites, campgrounds."

@SeaTurtleGurl

2 ай бұрын

Ty for the quick response, that answered my question. I have the WF Autograph and trying to decide if upgrading to the Journey is worth it for me 😊

How do we find out what branch locations this card will be offered on March 9th

@MarkReese

4 ай бұрын

Not sure 🤔 Call?

@theholt2ic219

4 ай бұрын

Probably call but most likely in major cities I would assume

@lmajc494

4 ай бұрын

@@theholt2ic219 you would think that Wells Fargo would be heavily promoting the locations.hmmmm

If they add American Airlines to this... their credit cards will be my go-to, for sure. I'd like to say or/and Delta, as well as LATAM, but that won't happen, haha. I wish though.

@MarkReese

4 ай бұрын

That'd be a strong addition ✈️

Yep

@MarkReese

4 ай бұрын

🎯

I'm not a WF bank fan... but, I'm a fan of this AJ card and may snag it! I agree that it is a direct shot thru the holes in the Amex Platinum. Excellent and thorough presentation Mark👍🏾👍🏾

@MarkReese

4 ай бұрын

No need to be a fan in order to get value 😎🤙

@nubianpwr

4 ай бұрын

@@MarkReese true😎

What is the value of the Wells Fargo points? Hopefully not like Hilton points.

@MarkReese

4 ай бұрын

Double Hilton, on average. 1 WF point = 1¢.

@webbezzy

4 ай бұрын

@@MarkReese thanks Mark. That plays a factor too. It’s half of the membership rewards and ultimate rewards. I would wait to see if the transfer is 1 to 1 or 1 to 0.5 then decide.

@MarkReese

4 ай бұрын

@@webbezzy - Depends on how you compare. For cash back, WF & Chase are equal in value (1.0¢ per point) ... Amex is by far the worst (0.6¢ per point) For travel, Amex & Chase are about equal in value (1.7¢ per point, on avg.). I don't yet have an avg. value for WF points for travel. It's a guaranteed 1.0¢ per point via the portal, but that doesn't factor in transfer partners...which is the case for the Amex & Chase values. The initial transfer partner ratios for WF are as follows: - Choice Privileges (1:2) - Air France-KLM Flying Blue (1:1) - avianca lifemiles (1:1) - British Airways Executive Club (1:1) - Air Lingus AerClub (1:1) - Iberia Plus (1:1)

@webbezzy

4 ай бұрын

@@MarkReese thanks Mark for the information. If that’s the case, with those multipliers and about 1 to 1 to airlines, it should have a value close MR and UR points.

I've been waiting to see if they get AA as a transfer partner. If they do, I'm there.

@MarkReese

4 ай бұрын

I'd sure like to see that! ✈️

Currently the transfer partners are pretty weak, especially without Hyatt & AA. If WF wants to be competitive, they better step up their game.

@MH_6160

4 ай бұрын

Give it time, Hyatt and AA will be… Bilt has them as partners.

@MarkReese

4 ай бұрын

Hyatt + AA would be phenomenal 🥇

It sounds great but I really want lounge access

@MarkReese

4 ай бұрын

Better to look to other cards then 👍