Is the Chase Sapphire Reserve worth the higher annual fee?

The Chase Sapphire Reserve costs $795/yr vs $95/yr for the Wells Fargo Autograph Journey Visa Credit Card. The higher fee includes lounge access and travel credits that can offset the cost for frequent travelers.

Which card earns more rewards, the Chase Sapphire Reserve 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 Reserve have that the Wells Fargo Autograph Journey Visa Credit Card doesn't?

The Chase Sapphire Reserve offers lounge access, travel credits. The Wells Fargo Autograph Journey Visa Credit Card focuses more on earn rates than premium perks.

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

Choose the Wells Fargo Autograph Journey Visa Credit Card if you want lower fees and solid rewards. Pick the Chase Sapphire Reserve if you spend enough to justify the $795/yr fee through its premium benefits and higher earn rates.

Is the Chase Sapphire Reserve worth the higher annual fee?

The Chase Sapphire Reserve costs $795/yr vs $95/yr for the Wells Fargo Autograph Journey Visa Credit Card. The higher fee includes lounge access and travel credits that can offset the cost for frequent travelers.

Which card earns more rewards, the Chase Sapphire Reserve 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 Reserve have that the Wells Fargo Autograph Journey Visa Credit Card doesn't?

The Chase Sapphire Reserve offers lounge access, travel credits. The Wells Fargo Autograph Journey Visa Credit Card focuses more on earn rates than premium perks.

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

Choose the Wells Fargo Autograph Journey Visa Credit Card if you want lower fees and solid rewards. Pick the Chase Sapphire Reserve if you spend enough to justify the $795/yr fee through its premium benefits and higher earn rates.

Is the Chase Sapphire Reserve worth the higher annual fee?

The Chase Sapphire Reserve costs $795/yr vs $95/yr for the Wells Fargo Autograph Journey Visa Credit Card. The higher fee includes lounge access and travel credits that can offset the cost for frequent travelers.

Which card earns more rewards, the Chase Sapphire Reserve 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 Reserve have that the Wells Fargo Autograph Journey Visa Credit Card doesn't?

The Chase Sapphire Reserve offers lounge access, travel credits. The Wells Fargo Autograph Journey Visa Credit Card focuses more on earn rates than premium perks.

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

Choose the Wells Fargo Autograph Journey Visa Credit Card if you want lower fees and solid rewards. Pick the Chase Sapphire Reserve if you spend enough to justify the $795/yr fee through its premium benefits and higher earn rates.

Chase Sapphire Reserve vs Wells Fargo Autograph Journey Visa Credit Card

The Wells Fargo Autograph Journey Visa Credit Card ($95/yr) is better for everyday value, while the Chase Sapphire Reserve ($795/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

Chase Sapphire Reserve

Chase

Wells Fargo Autograph Journey Visa Credit Card

Wells Fargo

Fees & Welcome Offer

Annual Fee

$795

$95

Welcome Bonus

125,000 Flex point

60,000 Flex point

Earn Rates

Category	Chase Sapphire Reserve	Wells Fargo Autograph Journey Visa Credit Card
Hotels	4X	5X

Category-by-Category Winner

The Wells Fargo Autograph Journey Visa Credit Card wins in 6 of 6 categories. The Chase Sapphire Reserve leads in 0.

Hotels

Wells Fargo Autograph Journey Visa Credit Card earns 5X vs 4X

Airlines

Wells Fargo Autograph Journey Visa Credit Card earns 4X vs 1X

Other Travel

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

Gas Stations

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

Transit

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

Streaming

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

Is the Fee Difference Worth It?

The Chase Sapphire Reserve costs $795/yr — that's $700 more than the Wells Fargo Autograph Journey Visa Credit Card ($95/yr). To justify that gap, you need to extract at least $700 in annual value from the card's higher earn rates and benefits.

The Chase Sapphire Reserve offers travel credits, lounge access, Global Entry/TSA PreCheck credit. With 3 premium perks, heavy spenders on hotels and flights can often offset the full fee.

Bottom line: The $700 gap is significant. Choose the Chase Sapphire Reserve only if you spend heavily on hotels and flights and will use its premium benefits regularly — otherwise the Wells Fargo Autograph Journey Visa Credit Card delivers strong value at a fraction of the cost.

The Bottom Line

The Wells Fargo Autograph Journey Visa Credit Card has a lower annual fee ($95 vs $795), making it the more accessible option.

The Chase Sapphire Reserve justifies its higher fee with premium perks like lounge access and travel credits.

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

Frequently Asked Questions

Is the Chase Sapphire Reserve worth the higher annual fee?: The Chase Sapphire Reserve costs $795/yr vs $95/yr for the Wells Fargo Autograph Journey Visa Credit Card. The higher fee includes lounge access and travel credits that can offset the cost for frequent travelers.
Which card earns more rewards, the Chase Sapphire Reserve 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 Reserve have that the Wells Fargo Autograph Journey Visa Credit Card doesn't?: The Chase Sapphire Reserve offers lounge access, travel credits. The Wells Fargo Autograph Journey Visa Credit Card focuses more on earn rates than premium perks.
Should I get the Chase Sapphire Reserve or the Wells Fargo Autograph Journey Visa Credit Card?: Choose the Wells Fargo Autograph Journey Visa Credit Card if you want lower fees and solid rewards. Pick the Chase Sapphire Reserve if you spend enough to justify the $795/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Chase Sapphire Reserve Amex Platinum vs Chase Sapphire Reserve Capital One Venture vs Chase Sapphire Reserve Capital One Venture X vs Chase Sapphire Reserve

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Chase Sapphire Reserve — Full Review All Chase Cards

Wells Fargo Autograph Journey 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 Reserve vs Wells Fargo Autograph Journey Visa Credit Card

Chase Sapphire Reserve

Chase

Wells Fargo Autograph Journey Visa Credit Card

Wells Fargo

Fees & Welcome Offer

Annual Fee

$795

$95

Welcome Bonus

125,000 Flex point

60,000 Flex point

Earn Rates

Category	Chase Sapphire Reserve	Wells Fargo Autograph Journey Visa Credit Card
Hotels	4X	5X

Category-by-Category Winner

The Wells Fargo Autograph Journey Visa Credit Card wins in 6 of 6 categories. The Chase Sapphire Reserve leads in 0.

Hotels

Wells Fargo Autograph Journey Visa Credit Card earns 5X vs 4X

Airlines

Wells Fargo Autograph Journey Visa Credit Card earns 4X vs 1X

Other Travel

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

Gas Stations

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

Transit

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

Streaming

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

Is the Fee Difference Worth It?

The Chase Sapphire Reserve offers travel credits, lounge access, Global Entry/TSA PreCheck credit. With 3 premium perks, heavy spenders on hotels and flights can often offset the full fee.

The Bottom Line

The Wells Fargo Autograph Journey Visa Credit Card has a lower annual fee ($95 vs $795), making it the more accessible option.

The Chase Sapphire Reserve justifies its higher fee with premium perks like lounge access and travel credits.

Frequently Asked Questions

Is the Chase Sapphire Reserve worth the higher annual fee?: The Chase Sapphire Reserve costs $795/yr vs $95/yr for the Wells Fargo Autograph Journey Visa Credit Card. The higher fee includes lounge access and travel credits that can offset the cost for frequent travelers.
Which card earns more rewards, the Chase Sapphire Reserve 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 Reserve have that the Wells Fargo Autograph Journey Visa Credit Card doesn't?: The Chase Sapphire Reserve offers lounge access, travel credits. The Wells Fargo Autograph Journey Visa Credit Card focuses more on earn rates than premium perks.
Should I get the Chase Sapphire Reserve or the Wells Fargo Autograph Journey Visa Credit Card?: Choose the Wells Fargo Autograph Journey Visa Credit Card if you want lower fees and solid rewards. Pick the Chase Sapphire Reserve if you spend enough to justify the $795/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Chase Sapphire Reserve Amex Platinum vs Chase Sapphire Reserve Capital One Venture vs Chase Sapphire Reserve Capital One Venture X vs Chase Sapphire Reserve

Explore More

Chase Sapphire Reserve — Full Review All Chase Cards

Wells Fargo Autograph Journey 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 Reserve vs Wells Fargo Autograph Journey Visa Credit Card

Chase Sapphire Reserve

Chase

Wells Fargo Autograph Journey Visa Credit Card

Wells Fargo

Fees & Welcome Offer

Annual Fee

$795

$95

Welcome Bonus

125,000 Flex point

60,000 Flex point

Earn Rates

Category	Chase Sapphire Reserve	Wells Fargo Autograph Journey Visa Credit Card
Hotels	4X	5X

Category-by-Category Winner

The Wells Fargo Autograph Journey Visa Credit Card wins in 6 of 6 categories. The Chase Sapphire Reserve leads in 0.

Hotels

Wells Fargo Autograph Journey Visa Credit Card earns 5X vs 4X

Airlines

Wells Fargo Autograph Journey Visa Credit Card earns 4X vs 1X

Other Travel

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

Gas Stations

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

Transit

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

Streaming

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

Is the Fee Difference Worth It?

The Chase Sapphire Reserve offers travel credits, lounge access, Global Entry/TSA PreCheck credit. With 3 premium perks, heavy spenders on hotels and flights can often offset the full fee.

The Bottom Line

The Wells Fargo Autograph Journey Visa Credit Card has a lower annual fee ($95 vs $795), making it the more accessible option.

The Chase Sapphire Reserve justifies its higher fee with premium perks like lounge access and travel credits.

Frequently Asked Questions

Is the Chase Sapphire Reserve worth the higher annual fee?: The Chase Sapphire Reserve costs $795/yr vs $95/yr for the Wells Fargo Autograph Journey Visa Credit Card. The higher fee includes lounge access and travel credits that can offset the cost for frequent travelers.
Which card earns more rewards, the Chase Sapphire Reserve 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 Reserve have that the Wells Fargo Autograph Journey Visa Credit Card doesn't?: The Chase Sapphire Reserve offers lounge access, travel credits. The Wells Fargo Autograph Journey Visa Credit Card focuses more on earn rates than premium perks.
Should I get the Chase Sapphire Reserve or the Wells Fargo Autograph Journey Visa Credit Card?: Choose the Wells Fargo Autograph Journey Visa Credit Card if you want lower fees and solid rewards. Pick the Chase Sapphire Reserve if you spend enough to justify the $795/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Chase Sapphire Reserve Amex Platinum vs Chase Sapphire Reserve Capital One Venture vs Chase Sapphire Reserve Capital One Venture X vs Chase Sapphire Reserve

Explore More

Chase Sapphire Reserve — Full Review All Chase Cards

Wells Fargo Autograph Journey 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

+$1,650 in annual credits more than covers $795 fee
+Priority Pass Select with 2 guests included
+Exclusive Chase Sapphire Lounge access
+Primary rental car coverage saves $15-30/day
+Points worth 50% more through Chase Travel

+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

−$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

−$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

Pros & Cons

Pros

+$1,650 in annual credits more than covers $795 fee
+Priority Pass Select with 2 guests included
+Exclusive Chase Sapphire Lounge access
+Primary rental car coverage saves $15-30/day
+Points worth 50% more through Chase Travel

+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

−$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

−$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

Pros & Cons

Pros

+$1,650 in annual credits more than covers $795 fee
+Priority Pass Select with 2 guests included
+Exclusive Chase Sapphire Lounge access
+Primary rental car coverage saves $15-30/day
+Points worth 50% more through Chase Travel

+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

−$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

−$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

Chase Sapphire Reserve vs Wells Fargo Autograph Journey Visa Credit Card

Chase Sapphire Reserve

Wells Fargo Autograph Journey 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 Reserve vs Wells Fargo Autograph Journey Visa Credit Card

Chase Sapphire Reserve

Wells Fargo Autograph Journey 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 Reserve vs Wells Fargo Autograph Journey Visa Credit Card

Chase Sapphire Reserve

Wells Fargo Autograph Journey 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?