Chase Sapphire Preferred vs. Wells Fargo Autograph Card
On the criteria below, Chase Sapphire Preferred wins 2 of 3. The verdict depends on which criteria matter to you.
Chase Sapphire Preferred
Chase
Wells Fargo Autograph Card
Wells Fargo
Chase Sapphire Preferred wins 2 of 3 criteria here, making it the stronger all-rounder.
Chase Sapphire Preferred wins on first-year math and earning ceiling; Wells Fargo Autograph Card wins on annual fee.
Pick the Chase Sapphire Preferred if year-one math is your priority; take the Wells Fargo Autograph Card if you want a cheaper card to keep long-term.
Who wins what
2 vs 1- First-year math Chase Sapphire Preferred
Chase Sapphire Preferred wins on bonus value minus annual fee.
- Annual fee Wells Fargo Autograph Card
Wells Fargo Autograph Card is $95 cheaper to keep.
- Earning ceiling Chase Sapphire Preferred
Chase Sapphire Preferred earns more on its best category (5× vs 3×).
By the numbers
- Annual fee
- $95
- Free
- Welcome offer (typical value)
- $1,700
- —
- First-year net
- +$1,605
- +$0
- Peak earning rate
- 5×
- 3×
- Top categories
- Chase Travel Portal, Dining, Travel
- Dining, Travel, Transit
- 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.