Chase Sapphire Reserve vs Wells Fargo Autograph Journey Card
Head-to-head comparison of every feature, fee, and perk
At a Glance
Annual Fee
$550
vs
$95
Base Rewards
1x
vs
1x
Sign-Up Bonus
$900
vs
$600
Editor Score
9/10
vs
8/10
Detailed Comparison
| Category wins | 5/6 | 1/6 |
| Fees & APR | ||
| Annual Fee | $550✗ Highest | $95★ Lowest |
| Purchase APR | 22.49% – 29.49% | 21.49% – 29.49% |
| Intro APR (Purchases) | ||
| 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 | 10x Hotels (Chase) · 5x Flights (Chase) · 3x Dining | 5x Hotels · 4x Airlines · 3x Other Travel |
| Sign-Up Bonus | $900 value★ Highest | $600 value✗ Lowest |
| Eligibility | ||
| Credit Score | Excellent (750+) | Excellent (750+) |
| Network | Visa | Visa |
| At a Glance | ||
| Best For | Frequent luxury travelers | Travelers who want high hotel and airline multipliers with transfer flexibility |
| Ratings | ||
| User Rating | 4.5 / 5★ Highest | 4.3 / 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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Our verdict: Chase Sapphire Reserve
The Chase Sapphire Reserve ($550/year) and the Wells Fargo Autograph Journey Card ($95/year) compete on different axes. The Chase Sapphire Reserve's strongest category is 10x on Hotels (Chase), while the Wells Fargo Autograph Journey Card leads with 5x on Hotels. The Chase Sapphire Reserve costs $455 more per year, so you need at least $455 in incremental rewards to justify it over the Wells Fargo Autograph Journey Card. At typical spend levels this breaks even somewhere between $13,650 and $27,300 in bonus-category purchases annually. Our scoring model gives the edge to the Chase Sapphire Reserve — it leads on 3 of the 5 key dimensions we evaluate. That said, this ranking is algorithmic; your specific spending pattern can flip the answer.
Leads on 3 of 5 key comparison dimensions
Dimension-by-dimension
| Dimension | Chase Sapphire Reserve | Wells Fargo Autograph Journey Card |
|---|---|---|
| Annual Fee | $550/year | $95/year |
| Base Reward Rate | 1x on everything | 1x on everything |
| Top Bonus Category | 10x on Hotels (Chase) | 5x on Hotels |
| Sign-Up Bonus | 60,000 points after spending $4,000 in 3 months | 60,000 points after spending $4,000 in 3 months |
| Lounge Access | Yes | No |
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 Reserve or Wells Fargo Autograph Journey Card?
It depends on your spending habits. The Chase Sapphire Reserve has a $550 annual fee and earns 1x base rewards. The Wells Fargo Autograph Journey Card has a $95 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 Reserve and Wells Fargo Autograph Journey Card?
The Chase Sapphire Reserve has a $550 annual fee while the Wells Fargo Autograph Journey Card has a $95 annual fee. The Chase Sapphire Reserve costs $455 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 Reserve and Wells Fargo Autograph Journey 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.