Chase Sapphire Preferred vs Wells Fargo Premier Autograph — which is worth it to you?
The Chase Sapphire Preferred ($95/yr) and the Wells Fargo Premier Autograph Card ($95/yr) side by side: credits, earning rates against a flat 2% cash-back baseline, and protections — with your spending deciding which card actually wins each category.
Both charge $95 a year, so the fee itself is a wash. The Chase Sapphire Preferred earns Chase Ultimate Rewards while the Wells Fargo Premier Autograph earns Wells Fargo Rewards. A point in one program isn't automatically worth a point in the other, so the calculator below turns everything into dollars against a flat 2% card.
Both cards pay a bonus on flights (2x vs 4x), hotels (2x vs 5x), other travel (2x vs 3x) and dining (3x vs 3x). The Chase Sapphire Preferred also has a bonus on streaming (3x) and gas & ev charging (3x), with nothing to match it on the Wells Fargo Premier Autograph.
The Chase Sapphire Preferred comes with 4 statement credits, the biggest being Complimentary Apple TV (12 months) ($156/yr), $10/month DoorDash Promo ($120/yr) and $100 Annual Chase Travel Hotel Credit, plus 1 more. The Wells Fargo Premier Autograph has 2 statement credits: Annual Airline Statement Credit ($50/yr) and Global Entry / TSA PreCheck Credit ($30/yr). All of these are face values, and a credit only really pays out if it covers something you were buying anyway.
Both cards carry extended warranty, lost luggage, no foreign transaction fees, purchase protection, rental car collision coverage, travel accident insurance, trip cancellation and trip delay. The Chase Sapphire Preferred alone has emergency evacuation and memberships; the Wells Fargo Premier Autograph alone has cell phone protection.
Chase Sapphire Preferred
Chase · $95 annual fee · earns Chase Ultimate Rewards
Earning rates
- 5x Chase Travel portal bookings
- 2x Flights booked direct
- 2x Hotels booked direct
- 2x Other travel
- 3x Dining worldwide
- 3x Online grocery purchases
- 3x Select streaming services
- 3x Gas stations & EV charging
- 3x Vacation home rentals at top brands
- 5x Lyft rides
- 5x Peloton purchases over $150
- 1x Everything else
Statement credits (4)
- $100 Annual Chase Travel Hotel Credit — Up to $100 in statement credits each account anniversary year for hotel stays booked and prepaid through Chase Travel.
- $10/month DoorDash Promo — A $10 promo credit each month ($120/year) on DoorDash, with DashPass enrollment.
- Complimentary Apple TV (12 months) — At least 12 months of complimentary Apple TV, if you activate by Dec 31, 2026.
- Global Entry / TSA PreCheck / NEXUS Credit — $120 application-fee credit once every 4 years (~$30/yr).
Full Chase Sapphire Preferred breakdown — 10 more benefits on the full page.
Wells Fargo Premier Autograph Card
Wells Fargo · $95 annual fee · earns Wells Fargo Rewards
By invitation only — no public application; offered to qualifying relationship clients.
Earning rates
- 5x Hotels, motels & timeshares
- 4x Airlines
- 3x Restaurants, bars, fast food & catering
- 3x Car rentals, cruises, travel agencies, campgrounds & timeshares
- 1x Everything else
Statement credits (2)
- Annual Airline Statement Credit — $50 statement credit each year on your first airline purchase of at least $50.
- Global Entry / TSA PreCheck Credit — Up to $120 statement credit once every 4 years for a Global Entry or TSA PreCheck application/renewal fee.
Full Wells Fargo Premier Autograph Card breakdown — 9 more benefits on the full page.
Card data verified against issuer sources: Chase Sapphire Preferred on 2026-08-20, Wells Fargo Premier Autograph Card on 2026-08-27.
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