Wells Fargo Autograph Journey vs Chase Sapphire Preferred
Wells Fargo Rewards vs Ultimate Rewards
Verified October 2026
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 5xAirfare 4xEverything Else 1xOther Travel Dining 3x
Chase Sapphire Preferred
- Annual Fee
- $95
- Signup Bonus
- 75,000 points
- Network
- Visa
- Points Currency
- Ultimate Rewards
- Earning Rates
-
Lyft 5xDining 3xAll Other Purchases 1xTravel Booked Through Chase Travel 5x
Category Breakdown
How they compare across key categories
Annual Fee
TieWells Fargo Autograph Journey $95 vs Chase Sapphire Preferred $95
Welcome Bonus
Chase Sapphire Preferred winsWells Fargo Autograph Journey: 60,000 points after $4,000 in 3 months vs Chase Sapphire Preferred: 75,000 points after $5,000 in 3 months
Top Earning Rate
TieWells Fargo Autograph Journey: 5x on hotels vs Chase Sapphire Preferred: 5x on Lyft
Perks & Credits
TieWells Fargo Autograph Journey: 3 listed benefits vs Chase Sapphire Preferred: 3 listed benefits
Transfer Partners
TieWells 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
- Hotel credit ($50)
- DoorDash DashPass
- Peloton credit ($60)
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 travel booked through Chase Travel
- Hotel credit ($50)
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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Earn bonus points with these credit card offers
Can't find availability at your current points balance? These credit cards earn points you can put towards your next flight.
The Platinum Card from American Express
Personal · Annual fee $895
175,000 points
after $12,000 in 6 months
- Airline incidentals credit ($200)
- Uber credit ($200)
- Lounge access
American Express Gold Card
Personal · Annual fee $325
100,000 points
after $8,000 in 6 months
- Dining credit ($120)
- Resy credit ($100)
- Dunkin credit ($84)
Chase Sapphire Reserve
Personal · Annual fee $795
100,000 points
after $6,000 in 3 months
- Annual Travel Credit ($300)
- Global Entry/TSA PreCheck Credit ($120)
- The Edit Hotel Credit ($500)
Chase Ink Business Preferred®
Business · Annual fee $95
100,000 Ultimate Rewards points
after $8,000 in purchases in the first 3 months
- 3x points on travel & shipping
- 3x points on advertising
- 3x points on internet/cable/phone
Chase Sapphire Preferred
Personal · Annual fee $95
75,000 points
after $5,000 in 3 months
- Hotel credit ($50)
- DoorDash DashPass
- Peloton credit ($60)
Capital One Venture Rewards
Personal · Annual fee $95
75,000 points
after $4,000 in 3 months
- Capital One Travel credit ($300)
Credit card approval subject to eligibility. Terms and conditions apply. American Express cards shown are available to US residents only.