Chase Sapphire Preferred vs Wells Fargo Autograph Journey
Chase Sapphire Preferred edges Wells Fargo Autograph Journey on year-1 math ($320 more value at 1.8¢/pt).
Quick verdict
Chase Sapphire Preferred edges Wells Fargo Autograph Journey on year-1 math ($320 more value at 1.8¢/pt)
Chase Sapphire Preferred: $50 recurring credits + $1,350 welcome bonus − $95 AF = $1,305 net. Wells Fargo Autograph Journey: $0 recurring credits + $1,080 welcome bonus − $95 AF = $985 net. These are year-1 numbers (welcome bonus included) at a 1.8¢/pt rewards valuation. The /tools/annual-fee-breakeven calculator runs the year-2-onward math without the bonus.
Side-by-side specs
| Chase Sapphire Preferred | Wells Fargo Autograph Journey | |
|---|---|---|
| Annual fee | $95 | $95 |
| Welcome bonus | 75,000 pts after $5,000 in 3mo | 60,000 pts after $4,000 in 3mo |
| Welcome bonus value @ 1.8¢ | $1,350 | $1,080 |
| Free-night cert | — | — |
| Recurring credits / year | $50 | $0 |
| Year-1 net @ 1.8¢ | $1,305 | $985 |
Year-1 net assumes the welcome bonus values at 1.8¢/pt. For year-2-onward math, use the Annual Fee Break-even Calculator.
Chase Sapphire Preferred
2 recurring credits
- Hotel Credit$50 · Annual
- Anniversary Points (10% boost on prev-year spend)$0 · Annual
Wells Fargo Autograph Journey
0 recurring credits
No recurring credits listed in our catalog for this card.
Pick Chase Sapphire Preferred if
the welcome bonus pays more at 1.8¢/pt ($1,350 vs $1,080).
Pick Wells Fargo Autograph Journey if
you prefer the Wells Fargo ecosystem (Wells Fargo portal, Wells Fargo transfer partners, Wells Fargo elite status path).