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All comparisons
Head-to-head, 2026

Chase Sapphire Reserve Wells Fargo Choice Privileges Select

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

Lower annual fee: Wells Fargo Choice Privileges SelectBigger welcome offer: Chase Sapphire Reserve

Chase

Sapphire Reserve

Annual fee
$795
Network
visa
Welcome value
$1,500
Min spend
$6,000 / 3mo

Top earning rates

  • 10×hotels · Ultimate Rewards
  • 10×car rentals · Ultimate Rewards
  • 5×flights · Ultimate Rewards
  • 3×travel · Ultimate Rewards

Key benefits

  • The Edit Property Benefits · $550
  • The Edit Statement Credit · $500
  • Annual Travel Credit · $300
  • Chase Travel Hotels Credit · $250
  • IHG One Rewards Platinum Elite Status · $200
Full Chase Sapphire Reserve review

Wells Fargo

Choice Privileges Select

Annual fee
$95
Network
visa
Welcome value
$540
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

  • Automatic Platinum Elite Status · $250
  • Anniversary Bonus · $240
  • Cell Phone Protection · $120
  • No Foreign Transaction Fees · $50
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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