Head to head 
Chase Sapphire Preferred vs. Wells Fargo Autograph Journey Card
On the criteria below, Chase Sapphire Preferred wins 1 of 3. The verdict depends on which criteria matter to you.
Chase Sapphire Preferred
Chase
Wells Fargo Autograph Journey Card
Wells Fargo
At a glance
Chase Sapphire Preferred wins 1 of 3 criteria here, making it the stronger all-rounder.
Chase Sapphire Preferred leads on first-year math, while Wells Fargo Autograph Journey Card only ties the rest.
Pick the Chase Sapphire Preferred if year-one math is your priority.
Who wins what
1 vs 0 (2 tie)- First-year math Chase Sapphire Preferred
Chase Sapphire Preferred wins on bonus value minus annual fee.
- Annual fee Tie
Same annual fee.
- Earning ceiling Tie
Same peak earning rate.
By the numbers
- Annual fee
- $95
- $95
- Welcome offer (typical value)
- $1,700
- —
- First-year net
- +$1,605
- $-95
- Peak earning rate
- 5×
- 5×
- Top categories
- Chase Travel Portal, Dining, Travel
- Hotels, Airlines, Dining
- Lounge access
- No
- No
- Travel insurance
- Yes
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- None
- 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.