Chase Sapphire Reserve vs Wells Fargo Autograph Visa Credit Card
Annual fees: Chase Sapphire Reserve $795/yr, Wells Fargo Autograph Visa Credit Card $0/yr. Strongest bonus categories: Chase Sapphire Reserve on travel, Wells Fargo Autograph Visa Credit Card on travel.
Card data as of October 12, 2026.
Chase Sapphire ReserveChase · $795/yr
Wells Fargo Autograph Visa Credit CardWells Fargo · No annual fee
Overview
- Annual fee
- Chase Sapphire Reserve$795Wells Fargo Autograph Visa Credit Card$0Lowest
- Welcome offerCurrent public offer
- Chase Sapphire Reserve100,000 pointsWells Fargo Autograph Visa Credit Card20,000 points
- Rewards
- Chase Sapphire ReserveChase Ultimate RewardsWells Fargo Autograph Visa Credit CardWells Fargo Go Far Rewards
- Foreign transaction fee
- Chase Sapphire ReserveNoneWells Fargo Autograph Visa Credit CardNone
- Network
- Chase Sapphire ReserveVisa InfiniteWells Fargo Autograph Visa Credit CardVisa Signature
Earn ratesPer $1 spent
- Flights
- Chase Sapphire Reserve4xHighestWells Fargo Autograph Visa Credit Card1x
- Hotels
- Chase Sapphire Reserve4xHighestWells Fargo Autograph Visa Credit Card1x
- Dining
- Chase Sapphire Reserve3xWells Fargo Autograph Visa Credit Card3x
- Gas Stations
- Chase Sapphire Reserve1xWells Fargo Autograph Visa Credit Card3xHighest
- Streaming
- Chase Sapphire Reserve1xWells Fargo Autograph Visa Credit Card3xHighest
- Telecom
- Chase Sapphire Reserve1xWells Fargo Autograph Visa Credit Card3xHighest
- Transit
- Chase Sapphire Reserve1xWells Fargo Autograph Visa Credit Card3xHighest
- Travel
- Chase Sapphire Reserve1xWells Fargo Autograph Visa Credit Card3xHighest
- Everything else
- Chase Sapphire Reserve1xWells Fargo Autograph Visa Credit Card1x
Statement creditsAs the issuer states them · — means none on record
- Travel
- Chase Sapphire Reserve
- $300 travel credit
- $500 hotel credit
- $250 select hotels · $250 one-time
- $120 Global Entry/TSA PreCheck · $120 every 4 years
Wells Fargo Autograph Visa Credit Card— - Rideshare & transit
- Chase Sapphire Reserve
- $10/mo Lyft credit · $10 monthly
Wells Fargo Autograph Visa Credit Card— - Dining & delivery
- Chase Sapphire Reserve
- $300 dining at 275+ restaurants
- $35/mo DoorDash + DashPass · $35 monthly
Wells Fargo Autograph Visa Credit Card— - Entertainment & streaming
- Chase Sapphire Reserve
- $300 event tickets StubHub
- $27/mo Apple TV & Music · $27 monthly
Wells Fargo Autograph Visa Credit Card— - Shopping & wellness
- Chase Sapphire Reserve
- $10/mo Peloton credits · $10 monthly
Wells Fargo Autograph Visa Credit Card—
Perks & access— means none on record
- Lounges
- Chase Sapphire Reserve
- Air Canada Maple Leaf Lounge on Star Alliance (1 guest)
- 1,300+ Priority Pass lounges with 2 free guests
- 8 Chase Sapphire Lounges with 2 free guests
Wells Fargo Autograph Visa Credit Card— - Hotel status & programs
- Chase Sapphire Reserve
- IHG Platinum Elite with 60% bonus points, no stays
Wells Fargo Autograph Visa Credit Card- Visa Signature Luxury Hotel Collection elite benefits
- Other perks
- Chase Sapphire Reserve
- $750 in credits plus elite status at $75k spend
- Dedicated Customer Support with 24/7 priority service
- No foreign transaction fees on international purchases
- Roadside Assistance with $50 reimbursement per incident
- Sapphire Reserve Experiences and Venue Benefits
- Travel and Emergency Assistance Services 24/7
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- Reserve Travel Designer complimentary planning service
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
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- 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 Reserve
- Emergency Evacuation up to $100,000 coverage
- Emergency Medical and Dental up to $2,500
- Travel Accident Insurance up to $1,000,000
- Trip cancellation insurance up to $10,000 per person
- Trip delay coverage up to $500 per ticket after 6 hours
Wells Fargo Autograph Visa Credit Card— - Baggage
- Chase Sapphire Reserve
- Baggage insurance up to $3,000 for lost luggage
Wells Fargo Autograph Visa Credit Card— - Rental car
- Chase Sapphire Reserve
- Primary rental car insurance up to $75,000
Wells Fargo Autograph Visa Credit Card- $50,000 auto rental collision damage waiver
- Purchase & returns
- Chase Sapphire Reserve
- Purchase protection up to $10,000 per claim for 120 days
- Return protection up to $500 per item within 90 days
Wells Fargo Autograph Visa Credit Card— - Extended warranty
- Chase Sapphire Reserve
- Extended warranty adds 1 year to manufacturer coverage
Wells Fargo Autograph Visa Credit Card— - Cell phone
- Chase Sapphire Reserve—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 Reserve—Wells Fargo Autograph Visa Credit Card
- Free monthly FICO credit score updates with Credit Close-Up
Pros & cons
- Pros
- Chase Sapphire Reserve
- Up to $2,060 in annual credits and promos can more than cover the $795 fee
- Priority Pass Select with 2 guests included
- Exclusive Chase Sapphire Lounge access
- Primary rental car coverage saves $15-30/day
- Points Boost values points at up to 2 cents each on select flights and hotels through Chase Travel
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 Reserve
- $795 annual fee is substantial commitment
- 5/24 rule restricts applicants with recent cards
- Credits require specific spending patterns to use
- $195 authorized user fee with no free users
- 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
The Wells Fargo Autograph Visa Credit Card wins in 4 of 6 categories. The Chase Sapphire Reserve leads in 2. 1 more category depend on booking channel or caps.
Travel
Depends: via Chase Travel portal
Chase Sapphire Reserve earns 8X when conditions are met; Wells Fargo Autograph Visa Credit Card earns 3X (3X without restrictions)
Hotels
Chase Sapphire Reserve earns 4X vs 1X
Flights
Chase Sapphire Reserve earns 4X vs 1X
Gas Stations
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Transit
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Streaming
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.
Close — depends on how much of the credits you use
| Scenario | Chase Sapphire Reserve | Wells Fargo Autograph Visa Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $281 Credits (our usable estimate): $995 − Annual fee ($795) Ongoing: $481 Year one: $2,406 | 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 Reserve |
| Heavy spender: $4,000/month | Rewards: $1,123 Credits (our usable estimate): $995 − Annual fee ($795) Ongoing: $1,323 Year one: $3,248 | Rewards: $1,183 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,183 Year one: $1,473 | Close — depends on how much of the credits you use | Chase Sapphire Reserve |
Is the Fee Difference Worth It?
The Chase Sapphire Reserve costs $795/yr — that's $795 more than the Wells Fargo Autograph Visa Credit Card (no annual fee). To justify that gap, you need to extract at least $795 in annual value from the card's higher earn rates and benefits.
The Chase Sapphire Reserve includes travel credits, dining credits, lounge access, Global Entry/TSA PreCheck credit. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $795 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $795 fee gap means the Chase Sapphire Reserve needs roughly $795 more in annual rewards (or credits you will use) to break even on travel and hotels and everyday spend.
What You Give Up
Choosing one card means missing out on these benefits from the other.
Choosing Wells Fargo Autograph Visa Credit Card means losing:
- -Airport lounge access
- -Global Entry credit
Which Card Is Right for You?
Get the Chase Sapphire Reserve if you:
- +Fly frequently and value airport lounge access
The Bottom Line
Close — depends on how much of the credits you use
Published annual fees: Chase Sapphire Reserve $795/yr, Wells Fargo Autograph Visa Credit Card $0/yr — a $795 difference before welcome offers and credits.
Frequently Asked Questions
- Is the Chase Sapphire Reserve worth the higher annual fee?
- The Chase Sapphire Reserve costs $795/yr vs $0/yr for the Wells Fargo Autograph Visa Credit Card. Compare the year-one vs ongoing value table on this page — the $795 gap must be offset by higher earn rates, welcome offers, or credits you will use (the Chase Sapphire Reserve also lists lounge access, travel credits, dining credits).
- Which card earns more rewards, the Chase Sapphire Reserve 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 Reserve have that the Wells Fargo Autograph Visa Credit Card doesn't?
- The Chase Sapphire Reserve offers lounge access, travel credits, dining credits. The Wells Fargo Autograph Visa Credit Card offers cell phone protection.
- Should I get the Chase Sapphire Reserve 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 Reserve must earn enough extra (or offer a larger welcome bonus) to justify $795/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.