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All comparisons
Head-to-head, 2026

Chase Sapphire Preferred Wells Fargo Choice Privileges Select

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×Travel · Chase Ultimate Rewards
  • 5×Rideshare · Chase Ultimate Rewards
  • 3×Online grocery stores · Chase Ultimate Rewards
  • 3×Dining · Chase Ultimate Rewards

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

Choice Privileges Select

Annual fee
$95
Network
visa
Welcome value
$360
Min spend
$3,000 / 3mo

Top earning rates

  • 10×Choice Hotels stays · Choice Privileges
  • 5×Gas stations · Choice Privileges
  • 5×Grocery stores · Choice Privileges
  • 5×Home improvement stores · Choice Privileges

Key benefits

  • 30,000-point anniversary bonus · $210
  • No foreign transaction fee · $0
  • Choice Privileges Platinum Elite status · $0
  • Mastercard World Elite benefits · $0
  • Milestone Rewards qualification · $0
Full Wells Fargo Choice Privileges Select 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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