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Card vs Card Comparison

Wells Fargo Autograph
vs
Chase Sapphire Preferred.

Updated

Two cards, head-to-head. We break down earning rates, perks, transfer partners, and the real scenarios where each one wins.

Wells Fargo

Wells Fargo Autograph

Annual fee

Free

Points

Wells Fargo Rewards

Signup bonus

20K points after $1K in 3 months

Top earning rates

  • →3x on travel, dining, gas, grocery, streaming, and transit
  • →1x everywhere else

Top perks

  • →$0 annual fee
  • →Cell phone protection
  • →No foreign transaction fee
See Wells Fargo Autograph detailsarrow_forward

Chase

Chase Sapphire Preferred

Annual fee

$95

Points

Ultimate Rewards

Signup bonus

Currently around 75K points after spend, see issuer for the current offer

Top earning rates

  • →5x on Chase Travel
  • →3x on dining, online grocery, and streaming
  • →2x on other travel

Top perks

  • →$50 annual hotel credit on Chase Travel
  • →10% point bonus on your cardmember anniversary
  • →Primary rental car insurance
See Chase Sapphire Preferred detailsarrow_forward

The verdict

When each card wins.

Wells Fargo Autograph wins if

Pick this if you want a $0-fee card that earns 3x across the broadest category list on the market.

Honest downside: No transfer partners. Wells Fargo Rewards function essentially as cashback.

Chase Sapphire Preferred wins if

Pick this if you want the best $95-fee travel card on the market and access to Chase transfer partners.

Honest downside: No lounge access. No $300 travel credit. High spenders will outgrow it quickly.

At a glance

Side-by-side spec sheet.

SpecWells Fargo AutographChase Sapphire Preferred
Annual feeFree$95
Points currencyWells Fargo RewardsUltimate Rewards
Signup bonus20K pointsCurrently around 75K points
Top earn category3x on travel, dining, gas, grocery, streaming, and transit5x on Chase Travel
Second earn category1x everywhere else3x on dining, online grocery, and streaming
Third earn categoryStandard 1x earn2x on other travel
Signature perk$0 annual fee$50 annual hotel credit on Chase Travel
IssuerWells FargoChase

Questions

Frequently asked.

Which is better, Wells Fargo Autograph or Chase Sapphire Preferred?

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Wells Fargo Autograph wins if you want a $0-fee card that earns 3x across the broadest category list on the market. Chase Sapphire Preferred wins if you want the best $95-fee travel card on the market and access to Chase transfer partners.

Can I have both the Wells Fargo Autograph and the Chase Sapphire Preferred?

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Yes. These are issued by different banks (Wells Fargo and Chase), so they don't conflict on application rules. Many travelers carry both to stack the strongest benefits from each card's ecosystem.

Which has the higher annual fee, Wells Fargo Autograph or Chase Sapphire Preferred?

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Chase Sapphire Preferred has the higher annual fee at $95, compared to $0 for Wells Fargo Autograph. Whether the pricier card is worth the difference depends on which credits and perks you use each year.