Wells Fargo Autograph Journey Visa Credit Card vs Chase Sapphire Preferred Credit Card
Fees, rewards and real yearly value, side by side. Updated October 29, 2026.
Wells Fargo Autograph Journey Visa Credit Card
Estimated value every year on typical spending
$475/ year
Every year, after the annual fee. Year one adds a $600 welcome bonus: $1,075
Chase Sapphire Preferred Credit Card
Estimated value every year on typical spending
$561/ year
Every year, after the annual fee. Year one adds a $750 welcome bonus: $1,311
The short answer
- On typical spending, the Chase Sapphire Preferred Credit Card comes out ahead: about $561 a year after its fee, against $475 for the Wells Fargo Autograph Journey Visa Credit Card.
- The Wells Fargo Autograph Journey Visa Credit Card earns more on travel.
- The Chase Sapphire Preferred Credit Card earns more on groceries, gas.
Side by side
| Wells Fargo Autograph Journey Visa Credit Card | Chase Sapphire Preferred Credit Card | |
|---|---|---|
| Annual fee | $95 | $95 |
| Rewards | 5X points on hotels; 4X points on airlines; 3X points on restaurants and other travel | 5x points on Chase Travel; 3x points on dining, gas stations, EV charging, vacation homes, top streaming services, and online grocery; 1x points on all other purchases |
| Welcome bonus | Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months. | Earn 75,000 points after you spend $5,000 in purchases in the first 3 months from account opening. |
| Credits counted | $18/yr | $80/yr |
| Intro APR | Not applicable | Not applicable |
| Regular APR | Not listed | 19.49% to 27.74% variable |
| Foreign transaction fee | None | None |
| Credit needed | Not specified | Good/Excellent |
Yearly rewards by category
| Category (monthly spend) | Wells Fargo Autograph Journey Visa Credit Card | Chase Sapphire Preferred Credit Card |
|---|---|---|
| groceries ($500) | $60 | $180 |
| dining ($400) | $144 | $144 |
| gas ($200) | $24 | $72 |
| travel ($300) | $180 | $36 |
| everything else ($1,200) | $144 | $144 |
Yearly value is rewards plus credits you'd realistically use, minus the annual fee, on $2,600/month: $500 groceries, $400 dining, $200 gas, $300 travel, $1,200 everything else. Points use conservative cash values; store-only rewards count at half. How we rank · Use your own spending
Questions people ask
Which is better, the Wells Fargo Autograph Journey Visa Credit Card or the Chase Sapphire Preferred Credit Card?
On typical spending the Chase Sapphire Preferred Credit Card is worth more: about $561 a year after its fee, against $475 for the Wells Fargo Autograph Journey Visa Credit Card. Which is better for you depends on where you spend most; see the category answers below.
Which is better for groceries?
The Chase Sapphire Preferred Credit Card. On $500 a month of groceries it earns about $180 a year, against $60 with the Wells Fargo Autograph Journey Visa Credit Card.
Which is better for travel?
The Wells Fargo Autograph Journey Visa Credit Card. On $300 a month of travel it earns about $180 a year, against $36 with the Chase Sapphire Preferred Credit Card.
Which is better for gas?
The Chase Sapphire Preferred Credit Card. On $200 a month of gas it earns about $72 a year, against $24 with the Wells Fargo Autograph Journey Visa Credit Card.
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Terms change often; confirm them with the issuer before you apply.