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All comparisons
Head-to-head, 2026

Chase Sapphire Preferred Wells Fargo Autograph Journey

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Bigger welcome offer: Chase Sapphire Preferred

Chase

Sapphire Preferred

Annual fee
$95
Network
visa
Welcome value
$937.5
Min spend
$5,000 / 3mo

Top earning rates

  • 5×Chase Travel purchases
  • 5×Peloton equipment and accessory purchases over $150
  • 5×Lyft rides
  • 3×Online groceries

Key benefits

  • Complimentary Apple TV · $156
  • Complimentary DashPass Membership · $120
  • Global Entry, TSA PreCheck, or NEXUS Credit · $120
  • $100 Chase Travel Hotel Credit · $100
  • Monthly DoorDash Non-Restaurant Promo · $10
Full Chase Sapphire Preferred review

Wells Fargo

Autograph Journey

Annual fee
$95
Network
visa
Welcome value
$600
Min spend
$4,000 / 3mo

Top earning rates

  • 5×Hotels · Wells Fargo Rewards
  • 4×Airlines and air carriers · Wells Fargo Rewards
  • 3×Restaurants and other travel · Wells Fargo Rewards
  • 1×Other net purchases · Wells Fargo Rewards

Key benefits

  • $50 annual airline statement credit · $50
  • Lost baggage reimbursement · $0
  • Autograph Card Exclusives · $0
  • Visa Signature Concierge Service · $0
  • Trip Cancellation and Interruption Insurance · $0
Full Wells Fargo Autograph Journey review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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