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Card vs Card Comparison

Wells Fargo Autograph
vs
Chase Sapphire Preferred.

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

Wells Fargo

Wells Fargo Autograph

Annual fee

Free

Points

Wells Fargo Rewards

Signup bonus

20K WFR after $1K in 3 months

Earning highlights

  • →3× on travel + dining + gas + grocery + streaming + transit
  • →1× everywhere else

Perks highlights

  • →$0 annual fee
  • →Cell phone protection
  • →No FTF
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Chase

Chase Sapphire Preferred

Annual fee

$95

Points

Ultimate Rewards

Signup bonus

75K UR after $4K in 3 months

Earning highlights

  • →5× on Chase Travel
  • →3× on dining, online groceries, streaming
  • →2× on other travel

Perks highlights

  • →$50 annual hotel credit (Chase Travel)
  • →10% point bonus on cardmember anniversary
  • →Primary rental car insurance
  • →Trip cancellation + delay insurance
  • →Transfers 1:1 to all UR partners (Hyatt, United, Air Canada, etc.)
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The verdict

When each card wins.

Wells Fargo Autograph wins if

$0-fee 3×-on-everything card. Strong everyday earner for non-premium travelers.

Weakness: No transfer partners. Wells Fargo Rewards are essentially cashback dressed up.

Chase Sapphire Preferred wins if

Entry-level UR-earning card. The best $95-AF travel card on the market.

Weakness: No lounge access, no $300 travel credit. Loses to CSR for high spenders.

At a glance

Side-by-side spec sheet.

SpecWells Fargo AutographChase Sapphire Preferred
Annual feeFree$95
Points currencyWells Fargo RewardsUltimate Rewards
Top earning rate3× on travel + dining + gas + grocery + streaming + transit5× on Chase Travel
Signup bonus20K WFR75K UR

Questions

Frequently asked.

Should I get the Wells Fargo Autograph or the Chase Sapphire Preferred?

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Wells Fargo Autograph wins if $0-fee 3×-on-everything card. strong everyday earner for non-premium travelers. Chase Sapphire Preferred wins if entry-level ur-earning card. the best $95-af travel card on the market.

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 ecosystem.

Which has the higher annual fee?

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Chase Sapphire Preferred has the higher annual fee ($95 vs $0). Whether it's worth it depends on which perks you actually use — see the verdict section above.

Are points from Wells Fargo Autograph more valuable than points from Chase Sapphire Preferred?

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Wells Fargo Autograph earns Wells Fargo Rewards; Chase Sapphire Preferred earns Ultimate Rewards. Different programs have different transfer partners and redemption ceilings — see TravelDiari's points valuation index for current cents-per-point values across both.