Head to head
Chase Sapphire Preferred vs Wells Fargo Autograph Journey℠
Updated June 2026 · Decided by net annual value (rewards minus the effective fee), not by who pays us.
Chase Sapphire Preferred
$95/yr
Wells Fargo Autograph Journey℠
$95/yr · $45 after credits
The verdict
Chase Sapphire Preferred wins 5 of 6 sample spending profiles — by about $115/yr on average where it leads. Wells Fargo Autograph Journey℠ pulls ahead only for the frequent traveler profile.
Below: net annual value for each card across six representative spending profiles. Your real numbers will differ — run them here.
Who wins, by how you spend
Net annual value (after the effective fee). The higher number wins each row.
Everyday balanced
A typical mix — some groceries and dining, a little travel, and a big catch-all bucket.
Chase Sapphire Preferred
$666/yr
Wells Fargo Autograph Journey℠
$565/yr
Grocery-heavy family
A household cooking mostly at home — supermarkets are the top line.
Chase Sapphire Preferred
$637/yr
Wells Fargo Autograph Journey℠
$522/yr
Dining-out foodie
Restaurants and delivery dominate the month.
Chase Sapphire Preferred
$752/yr
Wells Fargo Autograph Journey℠
$641/yr
Frequent traveler
Flights, hotels, and rideshare are the biggest category.
Chase Sapphire Preferred
$803/yr
Wells Fargo Autograph Journey℠
$902/yr
Heavy commuter
A long daily drive — gas is the standout category.
Chase Sapphire Preferred
$503/yr
Wells Fargo Autograph Journey℠
$428/yr
Big spender
High spend across every category.
Chase Sapphire Preferred
$1,535/yr
Wells Fargo Autograph Journey℠
$1,364/yr
The fine print, side by side
These are six sample profiles. Yours is one.
Enter your actual monthly spending and we'll rank both of these — and every other card — by what they'd net you.
Run your numbersAdvertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
Figures are estimates from our net-value model on fixed sample profiles, using the point valuations on our methodology page. Rates and fees change — verify on the issuer's site before applying.