Chase Sapphire Preferred Card vs Wells Fargo Autograph Visa Credit Card
Annual fees: Chase Sapphire Preferred Card $95/yr, Wells Fargo Autograph Visa Credit Card $0/yr. Strongest bonus categories: Chase Sapphire Preferred Card on travel, Wells Fargo Autograph Visa Credit Card on travel.
Card data as of October 12, 2026.
Chase Sapphire Preferred CardChase · $95/yr
Wells Fargo Autograph Visa Credit CardWells Fargo · No annual fee
Overview
- Annual fee
- Chase Sapphire Preferred Card$95Wells Fargo Autograph Visa Credit Card$0Lowest
- Welcome offerCurrent public offer
- Chase Sapphire Preferred Card75,000 pointsWells Fargo Autograph Visa Credit Card20,000 points
- Rewards
- Chase Sapphire Preferred CardChase Ultimate RewardsWells Fargo Autograph Visa Credit CardWells Fargo Go Far Rewards
- Foreign transaction fee
- Chase Sapphire Preferred CardNoneWells Fargo Autograph Visa Credit CardNone
- Network
- Chase Sapphire Preferred CardVisa SignatureWells Fargo Autograph Visa Credit CardVisa Signature
Earn ratesPer $1 spent
- Dining
- Chase Sapphire Preferred Card3xWells Fargo Autograph Visa Credit Card3x
- Electric Vehicle Charging
- Chase Sapphire Preferred Card3xHighestWells Fargo Autograph Visa Credit Card1x
- Gas Stations
- Chase Sapphire Preferred Card3xWells Fargo Autograph Visa Credit Card3x
- Grocery Stores
- Chase Sapphire Preferred Card3xHighestWells Fargo Autograph Visa Credit Card1x
- Streaming
- Chase Sapphire Preferred Card3xWells Fargo Autograph Visa Credit Card3x
- Telecom
- Chase Sapphire Preferred Card1xWells Fargo Autograph Visa Credit Card3xHighest
- Transit
- Chase Sapphire Preferred Card1xWells Fargo Autograph Visa Credit Card3xHighest
- Travel
- Chase Sapphire Preferred Card2xWells Fargo Autograph Visa Credit Card3xHighest
- Vacation Rentals
- Chase Sapphire Preferred Card3xHighestWells Fargo Autograph Visa Credit Card1x
- Everything else
- Chase Sapphire Preferred Card1xWells Fargo Autograph Visa Credit Card1x
Statement creditsAs the issuer states them · — means none on record
- Travel
- Chase Sapphire Preferred Card
- $120 Global Entry/TSA PreCheck/NEXUS credit · $120 every 4 years
- $100 hotel credit
Wells Fargo Autograph Visa Credit Card— - Entertainment & streaming
- Chase Sapphire Preferred Card
- A year of Apple TV, valued at $180 · $180 one-time
Wells Fargo Autograph Visa Credit Card—
Perks & access— means none on record
- Hotel status & programs
- Chase Sapphire Preferred Card—Wells Fargo Autograph Visa Credit Card
- Visa Signature Luxury Hotel Collection elite benefits
- Other perks
- Chase Sapphire Preferred Card
- Complimentary DashPass after activation
- Up to $10 monthly on a non-restaurant DoorDash order
- No Foreign Transaction Fees on international purchases
Wells Fargo Autograph Visa Credit Card- Concierge service, 24/7
- Access to live event presale tickets and experiences
- Emergency cash and expedited card replacement services
- 0% introductory APR on purchases for 12 full months
- Exclusive merchant discounts with My Wells Fargo Deals
- Zero foreign transaction fees on international purchases
Show 3 more
- Pay-per-use 24/7 roadside assistance with towing
- 24/7 travel and emergency assistance services worldwide
- 24/7 Visa Signature Concierge for travel and events
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Chase Sapphire Preferred Card
- Travel Accident Insurance up to $500,000
- $10,000 Trip Cancellation Insurance per person
- $500 Trip Delay Reimbursement per traveler
Wells Fargo Autograph Visa Credit Card— - Baggage
- Chase Sapphire Preferred Card
- $500 Baggage Delay Insurance ($100 per day)
- $3,000 Lost Luggage Reimbursement per traveler
Wells Fargo Autograph Visa Credit Card— - Rental car
- Chase Sapphire Preferred Card
- Auto Rental Coverage
Wells Fargo Autograph Visa Credit Card- $50,000 auto rental collision damage waiver
- Purchase & returns
- Chase Sapphire Preferred Card
- 120-day Purchase Protection up to $500 per item
Wells Fargo Autograph Visa Credit Card— - Extended warranty
- Chase Sapphire Preferred Card
- Extended Warranty Protection adds 1 extra year
Wells Fargo Autograph Visa Credit Card— - Cell phone
- Chase Sapphire Preferred Card—Wells Fargo Autograph Visa Credit Card
- Cellular Telephone Protection · up to $600
- Up to $600 per claim cell phone damage and theft protection
- Other protections
- Chase Sapphire Preferred Card
- Travel and Emergency Assistance Services
Wells Fargo Autograph Visa Credit Card- Free monthly FICO credit score updates with Credit Close-Up
Pros & cons
- Pros
- Chase Sapphire Preferred Card
- 75,000 point welcome bonus after $5,000 in purchases in the first 3 months
- $95 annual fee partly offset by a $100 Chase Travel hotel credit each account anniversary year
- 1:1 transfer to 14 airline and hotel partners including Hyatt
- 5X on Chase Travel, 3X dining, streaming, online groceries
- Trip cancellation, delay, and lost luggage insurance included
Wells Fargo Autograph Visa Credit Card- 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
- Chase Sapphire Preferred Card
- $95 annual fee vs $0 Freedom cards
- No lounge access included
- 5/24 rule restricts applicants with 5+ cards in 24 months
- No 0% intro APR offer
Wells Fargo Autograph Visa Credit Card- 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
Category-by-Category Winner
Both cards win in 2 categories each — it comes down to which categories matter most to you. 2 more categories depend on booking channel or caps.
Travel
Depends: via Chase Travel portal
Chase Sapphire Preferred Card earns 5X when conditions are met; Wells Fargo Autograph Visa Credit Card earns 3X (3X without restrictions)
Electric Vehicle Charging
Chase Sapphire Preferred Card earns 3X vs 1X
Vacation Rentals
Chase Sapphire Preferred Card earns 3X vs 1X
Grocery Stores
Depends: Online purchases only. Excludes Target, Walmart, Wholesale Clubs. Grocery pickup or delivery must be ordered online and qualify under Chase's online grocery category. Excludes membership and subscription fees, supermarket pharmacies, gift cards and gift baskets.
Chase Sapphire Preferred Card earns 3X when conditions are met; Wells Fargo Autograph Visa Credit Card earns 1X (1X without restrictions)
Transit
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Telecom
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Modeled value is close across spend levels — especially once statement credits are counted.
| Scenario | Chase Sapphire Preferred Card | Wells Fargo Autograph Visa Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $346 Credits (our usable estimate): $75 − Annual fee ($95) Ongoing: $326 Year one: $1,784 | Rewards: $296 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $296 Year one: $586 | Close — depends on how much of the credits you use | Chase Sapphire Preferred Card |
| Heavy spender: $4,000/month | Rewards: $1,382 Credits (our usable estimate): $75 − Annual fee ($95) Ongoing: $1,362 Year one: $2,820 | Rewards: $1,183 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,183 Year one: $1,473 | Chase Sapphire Preferred Card | Chase Sapphire Preferred Card |
Is the Fee Difference Worth It?
The Chase Sapphire Preferred Card costs $95/yr — that's $95 more 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.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $95 fee gap means the Chase Sapphire Preferred Card needs roughly $95 more in annual rewards (or credits you will use) to break even on travel and dining and everyday spend.
Which Card Is Right for You?
Get the Chase Sapphire Preferred Card if you:
- +Do most of your spending at grocery stores
The Bottom Line
Modeled value is close across spend levels — especially once statement credits are counted.
Published annual fees: Chase Sapphire Preferred Card $95/yr, Wells Fargo Autograph Visa Credit Card $0/yr — a $95 difference before welcome offers and 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. Compare the year-one vs ongoing value table on this page — the $95 gap must be offset by higher earn rates, welcome offers, or credits you will use.
- 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 focuses on earn rates, while the Wells Fargo Autograph Visa Credit Card offers cell phone protection.
- Should I get the Chase Sapphire Preferred Card or the Wells Fargo Autograph Visa Credit Card?
- Use the spend scenarios on this page: the Wells Fargo Autograph Visa Credit Card has a lower $0/yr fee; the Chase Sapphire Preferred Card must earn enough extra (or offer a larger welcome bonus) to justify $95/yr.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.