Head to head

Chase Freedom Flex vs. Wells Fargo Autograph Journey Card

On the criteria below, Chase Freedom Flex wins 2 of 4. The verdict depends on which criteria matter to you.

Chase Freedom Flex

Chase

Wells Fargo

At a glance

Chase Freedom Flex wins 2 of 4 criteria here, making it the stronger all-rounder.

Chase Freedom Flex wins on first-year math and annual fee; Wells Fargo Autograph Journey Card wins on foreign transactions.

Pick the Chase Freedom Flex if year-one math is your priority; take the Chase Freedom Flex if you want a cheaper card to keep long-term.

2 vs 1 (1 tie)

First-year math Chase Freedom Flex

Chase Freedom Flex wins on bonus value minus annual fee.
Annual fee Chase Freedom Flex

Chase Freedom Flex is $95 cheaper to keep.
Earning ceiling Tie

Same peak earning rate.
Foreign transactions Wells Fargo Autograph Journey Card

Wells Fargo Autograph Journey Card has a lower (or zero) foreign transaction fee.

Annual fee: Free; $95
Welcome offer (typical value): $200; —
First-year net: +$200; $-95
Peak earning rate: 5×; 5×
Top categories: Rotating Quarterly, Chase Travel, Dining; Hotels, Airlines, Dining
Lounge access: No; No
Travel insurance: Yes; Yes
Elite status: No; No
Foreign transaction fee: 3.00%; None
Reward currency: Chase Ultimate Rewards; Wells Fargo Rewards

Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.