Chase Sapphire Reserve® vs Wells Fargo Autograph Journey℠ Card

Chase Sapphire Reserve®Chase Sapphire Reserve®

Chase

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Wells Fargo Autograph Journey℠ CardWells Fargo Autograph Journey℠ Card

Wells Fargo

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Annual Fee
$795
$95
Card Type
Personal
Personal
Rewards Currency
Chase Ultimate Rewards
Wells Fargo Rewards
Point Value
2.00¢/pt
1.00¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
100,000 Chase Ultimate Rewards after $6,000 in 3 months
20,000 Wells Fargo Rewards after $1,000 in 90 days

Effective return by category

CategoryChase Sapphire Reserve®Wells Fargo Autograph Journey℠ Card
Airfare8.00%
4x
4.00%
4x
Hotels & Lodging8.00%
4x
5.00%
5x
Dining & Restaurants6.00%
3x
3.00%
3x
Travel2.00%
1x
3.00%
3x
Everything else2.00%
1x
1.00%
1x

Returns use our default point valuations — multiplier × point value. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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