Card comparison

Wells Fargo Autograph Journey vs Chase Sapphire Preferred

Wells Fargo Rewards vs Ultimate Rewards

Verified July 2026

TL;DR — quick verdict

Both the Wells Fargo Autograph Journey and Chase Sapphire Preferred carry a $95 annual fee. Pick the Wells Fargo Autograph Journey for everyday hotels spending (5x); pick the Chase Sapphire Preferred for everyday Lyft spending (5x).

At a Glance

Wells Fargo Autograph Journey Card

Annual Fee
$95
Signup Bonus
60,000 points
Network
Visa
Points Currency
Wells Fargo Rewards
Earning Rates
Hotels 5x
Airfare 4x
Everything Else 1x
Other Travel Dining 3x

Chase Sapphire Preferred

Annual Fee
$95
Signup Bonus
100,000 points
Network
Visa
Points Currency
Ultimate Rewards
Earning Rates
Lyft 5x
Dining 3x
Vacation Homes 3x
Other Purchases 1x
Gas And Ev Charging 3x
Chase Travel Purchases 5x

Category Breakdown

How they compare across key categories

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Annual Fee

Tie

Wells Fargo Autograph Journey $95 vs Chase Sapphire Preferred $95

Welcome Bonus

Chase Sapphire Preferred wins

Wells Fargo Autograph Journey: 60,000 points after $4,000 in 3 months vs Chase Sapphire Preferred: 100,000 points after $5,000 in 3 months

=

Top Earning Rate

Tie

Wells Fargo Autograph Journey: 5x on hotels vs Chase Sapphire Preferred: 5x on Lyft

Perks & Credits

Chase Sapphire Preferred wins

Wells Fargo Autograph Journey: 3 listed benefits vs Chase Sapphire Preferred: 4 listed benefits

=

Transfer Partners

Tie

Wells Fargo Autograph Journey: British Airways, Air France/KLM, Avianca, and more vs Chase Sapphire Preferred: 14 airline and hotel partners

Perks & Benefits

Wells Fargo Autograph Journey

  • $50 annual statement credit (with $50+ airfare)
  • Cell phone protection
  • No foreign transaction fees

Chase Sapphire Preferred

  • Chase Travel hotel credit ($100)
  • Global Entry/TSA PreCheck credit ($120)
  • DoorDash DashPass ($120)
  • Apple TV subscription ($0)

Which Is Right for You?

Get the Wells Fargo Autograph Journey if...

  • Earns 5x on hotels
  • Earns 4x on airfare
  • $50 annual statement credit (with $50+ airfare)

Get the Chase Sapphire Preferred if...

  • Earns 5x on Lyft
  • Earns 5x on Chase Travel purchases
  • Chase Travel hotel credit ($100)

Related Resources

Amex Points Value

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Chase Points Value

What are Chase points worth?

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Frequently Asked Questions

Is the Wells Fargo Autograph Journey or Chase Sapphire Preferred better?

Both the Wells Fargo Autograph Journey and Chase Sapphire Preferred carry a $95 annual fee. Pick the Wells Fargo Autograph Journey for everyday hotels spending (5x); pick the Chase Sapphire Preferred for everyday Lyft spending (5x). Both earn transferable rewards, so many points collectors hold one from each ecosystem.

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

Both cards have a $95 annual fee.

Which card earns points faster?

The Wells Fargo Autograph Journey earns up to 5x on hotels, while the Chase Sapphire Preferred earns up to 5x on Lyft.

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

Yes. They're issued independently, so you can hold both and earn Wells Fargo Rewards and Ultimate Rewards side by side.

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The Platinum Card from American Express

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American Express Gold Card

Personal · Annual fee $250

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100,000 points

after $8,000 in 6 months

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Chase Sapphire Preferred

Personal · Annual fee $95

100,000 points

after $5,000 in 3 months

  • Chase Travel hotel credit ($100)
  • Global Entry/TSA PreCheck credit ($120)
  • DoorDash DashPass ($120)
Learn more & apply

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Personal · Annual fee $795

100,000 points

after $6,000 in 3 months

  • Travel credit ($300)
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  • Dining credit ($300)
Learn more & apply

Credit card approval subject to eligibility. Terms and conditions apply. American Express cards shown are available to US residents only.