Is the Chase Sapphire Preferred Card worth the higher annual fee?

The Chase Sapphire Preferred Card costs $95/yr vs $0/yr for the Wells Fargo Autograph Visa Credit Card. The higher fee and travel credits that can offset the cost for frequent travelers.

Which card earns more rewards, the Chase Sapphire Preferred Card or Wells Fargo Autograph Visa Credit Card?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

What benefits does the Chase Sapphire Preferred Card have that the Wells Fargo Autograph Visa Credit Card doesn't?

The Chase Sapphire Preferred Card offers travel credits. The Wells Fargo Autograph Visa Credit Card focuses more on earn rates than premium perks.

Should I get the Chase Sapphire Preferred Card or the Wells Fargo Autograph Visa Credit Card?

Choose the Wells Fargo Autograph Visa Credit Card if you want lower fees and solid rewards. Pick the Chase Sapphire Preferred Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Is the Chase Sapphire Preferred Card worth the higher annual fee?

The Chase Sapphire Preferred Card costs $95/yr vs $0/yr for the Wells Fargo Autograph Visa Credit Card. The higher fee and travel credits that can offset the cost for frequent travelers.

Which card earns more rewards, the Chase Sapphire Preferred Card or Wells Fargo Autograph Visa Credit Card?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

What benefits does the Chase Sapphire Preferred Card have that the Wells Fargo Autograph Visa Credit Card doesn't?

The Chase Sapphire Preferred Card offers travel credits. The Wells Fargo Autograph Visa Credit Card focuses more on earn rates than premium perks.

Should I get the Chase Sapphire Preferred Card or the Wells Fargo Autograph Visa Credit Card?

Choose the Wells Fargo Autograph Visa Credit Card if you want lower fees and solid rewards. Pick the Chase Sapphire Preferred Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Is the Chase Sapphire Preferred Card worth the higher annual fee?

The Chase Sapphire Preferred Card costs $95/yr vs $0/yr for the Wells Fargo Autograph Visa Credit Card. The higher fee and travel credits that can offset the cost for frequent travelers.

Which card earns more rewards, the Chase Sapphire Preferred Card or Wells Fargo Autograph Visa Credit Card?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

What benefits does the Chase Sapphire Preferred Card have that the Wells Fargo Autograph Visa Credit Card doesn't?

The Chase Sapphire Preferred Card offers travel credits. The Wells Fargo Autograph Visa Credit Card focuses more on earn rates than premium perks.

Should I get the Chase Sapphire Preferred Card or the Wells Fargo Autograph Visa Credit Card?

Choose the Wells Fargo Autograph Visa Credit Card if you want lower fees and solid rewards. Pick the Chase Sapphire Preferred Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Chase Sapphire Preferred Card vs Wells Fargo Autograph Visa Credit Card

The Wells Fargo Autograph Visa Credit Card ($0/yr) is better for everyday value, while the Chase Sapphire Preferred Card ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

Chase Sapphire Preferred Card

Chase

Wells Fargo Autograph Visa Credit Card

Wells Fargo

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

75,000 Flex point

20,000 Flex point

Earn Rates

Category	Chase Sapphire Preferred Card	Wells Fargo Autograph Visa Credit Card
Dining	3X	3X

Category-by-Category Winner

The Wells Fargo Autograph Visa Credit Card wins in 6 of 8 categories. The Chase Sapphire Preferred Card leads in 2.

Online Groceries

Chase Sapphire Preferred Card earns 3X vs 1X

Grocery Delivery

Chase Sapphire Preferred Card earns 3X vs 1X

Travel

Wells Fargo Autograph Visa Credit Card earns 3X vs 2X

Gas Stations

Wells Fargo Autograph Visa Credit Card earns 3X vs 1X

Transit

Wells Fargo Autograph Visa Credit Card earns 3X vs 1X

Phone Bills

Wells Fargo Autograph Visa Credit Card earns 3X vs 1X

Telecom

Wells Fargo Autograph Visa Credit Card earns 3X vs 1X

Tolls

Wells Fargo Autograph Visa Credit Card earns 3X vs 1X

Is the Fee Difference Worth It?

The Chase Sapphire Preferred Card costs $95/yr — that's than the Wells Fargo Autograph Visa Credit Card (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.

The Bottom Line

The Wells Fargo Autograph Visa Credit Card has a lower annual fee ($0 vs $95), making it the more accessible option.

The Chase Sapphire Preferred Card justifies its higher fee with premium perks like travel credits.

Choose the Wells Fargo Autograph Visa Credit Card if you want solid rewards with a lower cost of entry. Choose the Chase Sapphire Preferred Card if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the Chase Sapphire Preferred Card worth the higher annual fee?: The Chase Sapphire Preferred Card costs $95/yr vs $0/yr for the Wells Fargo Autograph Visa Credit Card. The higher fee and travel credits that can offset the cost for frequent travelers.
Which card earns more rewards, the Chase Sapphire Preferred Card or Wells Fargo Autograph Visa Credit Card?: Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
What benefits does the Chase Sapphire Preferred Card have that the Wells Fargo Autograph Visa Credit Card doesn't?: The Chase Sapphire Preferred Card offers travel credits. The Wells Fargo Autograph Visa Credit Card focuses more on earn rates than premium perks.
Should I get the Chase Sapphire Preferred Card or the Wells Fargo Autograph Visa Credit Card?: Choose the Wells Fargo Autograph Visa Credit Card if you want lower fees and solid rewards. Pick the Chase Sapphire Preferred Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Related Comparisons

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Chase Sapphire Preferred Card — Full Review All Chase Cards

Wells Fargo Autograph Visa Credit Card — Full Review All Wells Fargo Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards · Wells Fargo cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.

Chase Sapphire Preferred Card vs Wells Fargo Autograph Visa Credit Card

Chase Sapphire Preferred Card

Chase

Wells Fargo Autograph Visa Credit Card

Wells Fargo

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

75,000 Flex point

20,000 Flex point

Earn Rates

Category	Chase Sapphire Preferred Card	Wells Fargo Autograph Visa Credit Card
Dining	3X	3X

Category-by-Category Winner

The Wells Fargo Autograph Visa Credit Card wins in 6 of 8 categories. The Chase Sapphire Preferred Card leads in 2.

Online Groceries

Chase Sapphire Preferred Card earns 3X vs 1X

Grocery Delivery

Chase Sapphire Preferred Card earns 3X vs 1X

Travel

Wells Fargo Autograph Visa Credit Card earns 3X vs 2X

Gas Stations

Wells Fargo Autograph Visa Credit Card earns 3X vs 1X

Transit

Wells Fargo Autograph Visa Credit Card earns 3X vs 1X

Phone Bills

Wells Fargo Autograph Visa Credit Card earns 3X vs 1X

Telecom

Wells Fargo Autograph Visa Credit Card earns 3X vs 1X

Tolls

Wells Fargo Autograph Visa Credit Card earns 3X vs 1X

Is the Fee Difference Worth It?

The Bottom Line

The Wells Fargo Autograph Visa Credit Card has a lower annual fee ($0 vs $95), making it the more accessible option.

The Chase Sapphire Preferred Card justifies its higher fee with premium perks like travel credits.

Frequently Asked Questions

Is the Chase Sapphire Preferred Card worth the higher annual fee?: The Chase Sapphire Preferred Card costs $95/yr vs $0/yr for the Wells Fargo Autograph Visa Credit Card. The higher fee and travel credits that can offset the cost for frequent travelers.
Which card earns more rewards, the Chase Sapphire Preferred Card or Wells Fargo Autograph Visa Credit Card?: Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
What benefits does the Chase Sapphire Preferred Card have that the Wells Fargo Autograph Visa Credit Card doesn't?: The Chase Sapphire Preferred Card offers travel credits. The Wells Fargo Autograph Visa Credit Card focuses more on earn rates than premium perks.
Should I get the Chase Sapphire Preferred Card or the Wells Fargo Autograph Visa Credit Card?: Choose the Wells Fargo Autograph Visa Credit Card if you want lower fees and solid rewards. Pick the Chase Sapphire Preferred Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Chase Sapphire Preferred Amex Green vs Chase Sapphire Preferred Amex Platinum vs Chase Sapphire Preferred Capital One Venture vs Chase Sapphire Preferred

Explore More

Chase Sapphire Preferred Card — Full Review All Chase Cards

Wells Fargo Autograph Visa Credit Card — Full Review All Wells Fargo Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards · Wells Fargo cards

Chase Sapphire Preferred Card vs Wells Fargo Autograph Visa Credit Card

Chase Sapphire Preferred Card

Chase

Wells Fargo Autograph Visa Credit Card

Wells Fargo

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

75,000 Flex point

20,000 Flex point

Earn Rates

Category	Chase Sapphire Preferred Card	Wells Fargo Autograph Visa Credit Card
Dining	3X	3X

Category-by-Category Winner

The Wells Fargo Autograph Visa Credit Card wins in 6 of 8 categories. The Chase Sapphire Preferred Card leads in 2.

Online Groceries

Chase Sapphire Preferred Card earns 3X vs 1X

Grocery Delivery

Chase Sapphire Preferred Card earns 3X vs 1X

Travel

Wells Fargo Autograph Visa Credit Card earns 3X vs 2X

Gas Stations

Wells Fargo Autograph Visa Credit Card earns 3X vs 1X

Transit

Wells Fargo Autograph Visa Credit Card earns 3X vs 1X

Phone Bills

Wells Fargo Autograph Visa Credit Card earns 3X vs 1X

Telecom

Wells Fargo Autograph Visa Credit Card earns 3X vs 1X

Tolls

Wells Fargo Autograph Visa Credit Card earns 3X vs 1X

Is the Fee Difference Worth It?

The Bottom Line

The Wells Fargo Autograph Visa Credit Card has a lower annual fee ($0 vs $95), making it the more accessible option.

The Chase Sapphire Preferred Card justifies its higher fee with premium perks like travel credits.

Frequently Asked Questions

Is the Chase Sapphire Preferred Card worth the higher annual fee?: The Chase Sapphire Preferred Card costs $95/yr vs $0/yr for the Wells Fargo Autograph Visa Credit Card. The higher fee and travel credits that can offset the cost for frequent travelers.
Which card earns more rewards, the Chase Sapphire Preferred Card or Wells Fargo Autograph Visa Credit Card?: Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
What benefits does the Chase Sapphire Preferred Card have that the Wells Fargo Autograph Visa Credit Card doesn't?: The Chase Sapphire Preferred Card offers travel credits. The Wells Fargo Autograph Visa Credit Card focuses more on earn rates than premium perks.
Should I get the Chase Sapphire Preferred Card or the Wells Fargo Autograph Visa Credit Card?: Choose the Wells Fargo Autograph Visa Credit Card if you want lower fees and solid rewards. Pick the Chase Sapphire Preferred Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Chase Sapphire Preferred Amex Green vs Chase Sapphire Preferred Amex Platinum vs Chase Sapphire Preferred Capital One Venture vs Chase Sapphire Preferred

Explore More

Chase Sapphire Preferred Card — Full Review All Chase Cards

Wells Fargo Autograph Visa Credit Card — Full Review All Wells Fargo Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards · Wells Fargo cards

Pros & Cons

Pros

+75,000 point welcome bonus worth $937+ via transfers
+$95 annual fee offset by $50 hotel credit
+1:1 transfer to 13+ airline and hotel partners including Hyatt
+5X on Chase Travel, 3X dining, streaming, online groceries
+Trip cancellation, delay, and lost luggage insurance included

+3X points on 6 popular categories: dining, travel, gas, transit, streaming, phone bills
+No annual fee with transferable points (rare combination)
+1:1 transfers to 8 airline partners including British Airways, JetBlue, and Virgin Atlantic
+No spending caps on bonus categories
+No foreign transaction fees

Cons

−$95 annual fee vs $0 Freedom cards
−No lounge access included
−Secondary rental car coverage only (not primary)
−5/24 rule restricts applicants with 5+ cards in 24 months
−No 0% intro APR offer

−Only 1X on groceries and general shopping
−Welcome bonus of 20,000 points ($200 value) is modest
−Limited hotel transfer options (only Choice Privileges at 1:2 ratio)
−No premium travel benefits like lounge access or travel insurance
−Penalty APR of 29.99% for late payments

Pros & Cons

Pros

+75,000 point welcome bonus worth $937+ via transfers
+$95 annual fee offset by $50 hotel credit
+1:1 transfer to 13+ airline and hotel partners including Hyatt
+5X on Chase Travel, 3X dining, streaming, online groceries
+Trip cancellation, delay, and lost luggage insurance included

+3X points on 6 popular categories: dining, travel, gas, transit, streaming, phone bills
+No annual fee with transferable points (rare combination)
+1:1 transfers to 8 airline partners including British Airways, JetBlue, and Virgin Atlantic
+No spending caps on bonus categories
+No foreign transaction fees

Cons

−$95 annual fee vs $0 Freedom cards
−No lounge access included
−Secondary rental car coverage only (not primary)
−5/24 rule restricts applicants with 5+ cards in 24 months
−No 0% intro APR offer

−Only 1X on groceries and general shopping
−Welcome bonus of 20,000 points ($200 value) is modest
−Limited hotel transfer options (only Choice Privileges at 1:2 ratio)
−No premium travel benefits like lounge access or travel insurance
−Penalty APR of 29.99% for late payments

Pros & Cons

Pros

+75,000 point welcome bonus worth $937+ via transfers
+$95 annual fee offset by $50 hotel credit
+1:1 transfer to 13+ airline and hotel partners including Hyatt
+5X on Chase Travel, 3X dining, streaming, online groceries
+Trip cancellation, delay, and lost luggage insurance included

+3X points on 6 popular categories: dining, travel, gas, transit, streaming, phone bills
+No annual fee with transferable points (rare combination)
+1:1 transfers to 8 airline partners including British Airways, JetBlue, and Virgin Atlantic
+No spending caps on bonus categories
+No foreign transaction fees

Cons

−$95 annual fee vs $0 Freedom cards
−No lounge access included
−Secondary rental car coverage only (not primary)
−5/24 rule restricts applicants with 5+ cards in 24 months
−No 0% intro APR offer

−Only 1X on groceries and general shopping
−Welcome bonus of 20,000 points ($200 value) is modest
−Limited hotel transfer options (only Choice Privileges at 1:2 ratio)
−No premium travel benefits like lounge access or travel insurance
−Penalty APR of 29.99% for late payments

Chase Sapphire Preferred Card vs Wells Fargo Autograph Visa Credit Card

Chase Sapphire Preferred Card

Wells Fargo Autograph Visa Credit Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Chase Sapphire Preferred Card vs Wells Fargo Autograph Visa Credit Card

Chase Sapphire Preferred Card

Wells Fargo Autograph Visa Credit Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Chase Sapphire Preferred Card vs Wells Fargo Autograph Visa Credit Card

Chase Sapphire Preferred Card

Wells Fargo Autograph Visa Credit Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Benefits & Features

Pros & Cons

What You Give Up

Which Card Is Right for You?

Benefits & Features

Pros & Cons

What You Give Up

Which Card Is Right for You?

Benefits & Features

Pros & Cons

What You Give Up

Which Card Is Right for You?