Chase Sapphire Preferred Card vs Wells Fargo Autograph Journey Visa Credit Card
Both cards cost $95/yr. The Chase Sapphire Preferred Card leads on travel; the Wells Fargo Autograph Journey Visa Credit Card on hotels.
Card data as of October 12, 2026.
Chase Sapphire Preferred CardChase · $95/yr
Wells Fargo Autograph Journey Visa Credit CardWells Fargo · $95/yr
Overview
- Annual fee
- Chase Sapphire Preferred Card$95Wells Fargo Autograph Journey Visa Credit Card$95
- Welcome offerCurrent public offer
- Chase Sapphire Preferred Card75,000 pointsWells Fargo Autograph Journey Visa Credit Card60,000 points
- Rewards
- Chase Sapphire Preferred CardChase Ultimate RewardsWells Fargo Autograph Journey Visa Credit CardWells Fargo Go Far Rewards
- Foreign transaction fee
- Chase Sapphire Preferred CardNoneWells Fargo Autograph Journey Visa Credit CardNone
- Network
- Chase Sapphire Preferred CardVisa SignatureWells Fargo Autograph Journey Visa Credit CardVisa Signature
Earn ratesPer $1 spent
- Hotels
- Chase Sapphire Preferred Card1xWells Fargo Autograph Journey Visa Credit Card5xHighest
- Flights
- Chase Sapphire Preferred Card1xWells Fargo Autograph Journey Visa Credit Card4xHighest
- Dining
- Chase Sapphire Preferred Card3xWells Fargo Autograph Journey Visa Credit Card3x
- Electric Vehicle Charging
- Chase Sapphire Preferred Card3xHighestWells Fargo Autograph Journey Visa Credit Card1x
- Gas Stations
- Chase Sapphire Preferred Card3xHighestWells Fargo Autograph Journey Visa Credit Card1x
- Grocery Stores
- Chase Sapphire Preferred Card3xHighestWells Fargo Autograph Journey Visa Credit Card1x
- Streaming
- Chase Sapphire Preferred Card3xHighestWells Fargo Autograph Journey Visa Credit Card1x
- Travel
- Chase Sapphire Preferred Card2xWells Fargo Autograph Journey Visa Credit Card3xHighest
- Vacation Rentals
- Chase Sapphire Preferred Card3xHighestWells Fargo Autograph Journey Visa Credit Card1x
- Everything else
- Chase Sapphire Preferred Card1xWells Fargo Autograph Journey 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 Journey Visa Credit Card- $50 airline credit
- Entertainment & streaming
- Chase Sapphire Preferred Card
- A year of Apple TV, valued at $180 · $180 one-time
Wells Fargo Autograph Journey Visa Credit Card—
Perks & access— means none on record
- Hotel status & programs
- Chase Sapphire Preferred Card—Wells Fargo Autograph Journey Visa Credit Card
- 900+ luxury hotel properties with exclusive perks
- 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 Journey Visa Credit Card- Visa Signature concierge
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 Journey Visa Credit Card- Up to $15,000 per traveler trip cancellation coverage
- Baggage
- Chase Sapphire Preferred Card
- $500 Baggage Delay Insurance ($100 per day)
- $3,000 Lost Luggage Reimbursement per traveler
Wells Fargo Autograph Journey Visa Credit Card- Up to $3,000 lost luggage coverage per trip
- Rental car
- Chase Sapphire Preferred Card
- Auto Rental Coverage
Wells Fargo Autograph Journey Visa Credit Card- Auto rental collision damage waiver
- Purchase & returns
- Chase Sapphire Preferred Card
- 120-day Purchase Protection up to $500 per item
Wells Fargo Autograph Journey Visa Credit Card- Zero liability protection
- Extended warranty
- Chase Sapphire Preferred Card
- Extended Warranty Protection adds 1 extra year
Wells Fargo Autograph Journey Visa Credit Card— - Cell phone
- Chase Sapphire Preferred Card—Wells Fargo Autograph Journey Visa Credit Card
- Cellular Telephone Protection · up to $1,000
- Other protections
- Chase Sapphire Preferred Card
- Travel and Emergency Assistance Services
Wells Fargo Autograph Journey Visa Credit Card- Credit Close-up monitoring
- Travel and Emergency Services Assistance
- Emergency Cash Disbursement and Card Replacement
- Roadside Dispatch®
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 Journey Visa Credit Card- 5x on hotels booked direct and 4x on airlines - among highest travel earn rates
- 1:1 transfer partners including British Airways, Flying Blue, JetBlue, Virgin Atlantic
- $50 annual airline credit covers most of the $95 fee
- Comprehensive travel insurance (trip cancellation, lost luggage, CDW)
- Cell phone protection up to $1,000 with $25 deductible
- 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 Journey Visa Credit Card- $95 annual fee (though offset by airline credit)
- Fewer transfer partners than Chase or Amex
- Must book hotels directly to earn 5x (not through OTAs)
- No lounge access
- Welcome offer requires $4,000 spend in 3 months
Category-by-Category Winner
The Chase Sapphire Preferred Card wins in 4 of 6 categories. The Wells Fargo Autograph Journey Visa Credit Card leads in 2. 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 Journey Visa Credit Card earns 3X (3X without restrictions)
Gas Stations
Chase Sapphire Preferred Card earns 3X vs 1X
Electric Vehicle Charging
Chase Sapphire Preferred Card earns 3X vs 1X
Vacation Rentals
Chase Sapphire Preferred Card earns 3X vs 1X
Streaming
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 Journey Visa Credit Card earns 1X (1X without restrictions)
Hotels
Wells Fargo Autograph Journey Visa Credit Card earns 5X vs 1X
Flights
Wells Fargo Autograph Journey Visa Credit Card earns 4X 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.
Both scenarios favor the Chase Sapphire Preferred Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Chase Sapphire Preferred Card | Wells Fargo Autograph Journey 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: $261 Credits (our usable estimate): $25 − Annual fee ($95) Ongoing: $191 Year one: $1,061 | Chase Sapphire Preferred Card | 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: $1,044 Credits (our usable estimate): $25 − Annual fee ($95) Ongoing: $974 Year one: $1,844 | Chase Sapphire Preferred Card | Chase Sapphire Preferred Card |
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
Both scenarios favor the Chase Sapphire Preferred Card on net value (rewards, usable credits, fees, and welcome offer).
Frequently Asked Questions
- Which card earns more rewards, the Chase Sapphire Preferred Card or Wells Fargo Autograph Journey 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 Journey Visa Credit Card doesn't?
- The Chase Sapphire Preferred Card focuses on earn rates, while the Wells Fargo Autograph Journey Visa Credit Card offers travel credits, cell phone protection.
- Should I get the Chase Sapphire Preferred Card or the Wells Fargo Autograph Journey Visa Credit Card?
- Both cards have the same $95/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.
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.