Chase Sapphire Preferred vs Wells Fargo Autograph Card
Head-to-head comparison of every feature, fee, and perk
At a Glance
Annual Fee
$95
vs
No annual fee
Base Rewards
1x
vs
1x
Sign-Up Bonus
$750
vs
$200
Editor Score
9/10
vs
8/10
Detailed Comparison
| Category wins | 5/6 | 1/6 |
| Fees & APR | ||
| Annual Fee | $95✗ Highest | No annual fee★ Lowest |
| Purchase APR | 21.49% – 28.49% | 20.49% – 29.49% |
| Intro APR (Purchases) | 0% · 12 mo | |
| Intro APR (Balance Transfer) | ||
| Foreign Txn Fee | None★ Lowest | None |
| Balance Transfer Fee | 5% | 3% |
| Rewards | ||
| Rewards Type | Points | Points |
| Base Rewards Rate | 1x★ Highest | 1x |
| Bonus Categories | 5x Travel (Chase) · 3x Dining · 3x Online Groceries | 3x Restaurants · 3x Travel · 3x Gas Stations |
| Sign-Up Bonus | $750 value★ Highest | $200 value✗ Lowest |
| Eligibility | ||
| Credit Score | Excellent (750+) | Good (670-749) |
| Network | Visa | Visa |
| At a Glance | ||
| Best For | Frequent travelers who dine out often | People who spend across multiple categories and want no annual fee |
| Ratings | ||
| User Rating | 4.7 / 5★ Highest | 4.4 / 5✗ Lowest |
| Editor Score | 9 / 10★ Highest | 8 / 10✗ Lowest |
| Apply Now | Apply | Apply |
| Full Review | View details → | View details → |
| Pros & Cons | ||
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| Cons |
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Our verdict: Too close to call
The Chase Sapphire Preferred ($95/year) and the Wells Fargo Autograph Card (no annual fee) compete on different axes. The Chase Sapphire Preferred's strongest category is 5x on Travel (Chase), while the Wells Fargo Autograph Card leads with 3x on Restaurants. The Chase Sapphire Preferred costs $95 more per year, so you need at least $95 in incremental rewards to justify it over the Wells Fargo Autograph Card. At typical spend levels this breaks even somewhere between $2,850 and $5,700 in bonus-category purchases annually. Our model scores these cards effectively even (2-2). Pick the Chase Sapphire Preferred if you spend heavily on travel (chase); pick the Wells Fargo Autograph Card if you spend heavily on restaurants.
Too close to call — pick based on your primary spending category
Dimension-by-dimension
| Dimension | Chase Sapphire Preferred | Wells Fargo Autograph Card |
|---|---|---|
| Annual Fee | $95/year | no annual fee |
| Base Reward Rate | 1x on everything | 1x on everything |
| Top Bonus Category | 5x on Travel (Chase) | 3x on Restaurants |
| Sign-Up Bonus | 60,000 points after spending $4,000 in 3 months | 20,000 points after spending $1,000 in 3 months |
| Credit Score Required | excellent | good |
Green checkmark indicates the card that leans stronger on that dimension. Our scoring model evaluates these quantitatively — your specific needs may shift the answer.
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Common Questions
Which is better: Chase Sapphire Preferred or Wells Fargo Autograph Card?
It depends on your spending habits. The Chase Sapphire Preferred has a $95 annual fee and earns 1x base rewards. The Wells Fargo Autograph Card has no annual fee and earns 1x base rewards. Compare their bonus categories above to see which aligns better with your spending.
What is the annual fee difference between Chase Sapphire Preferred and Wells Fargo Autograph Card?
The Chase Sapphire Preferred has a $95 annual fee while the Wells Fargo Autograph Card has no annual fee. The Chase Sapphire Preferred costs $95 more per year, so it needs to deliver that much extra value in rewards and perks to justify the difference.
Can I have both the Chase Sapphire Preferred and Wells Fargo Autograph Card?
Yes, since these cards are from different issuers (Chase and Wells Fargo), you can hold both. Many people pair cards from different banks to maximize bonus category coverage across all their spending.