Chase Sapphire Reserve vs Wells Fargo Autograph Journey℠ Card

Side-by-side comparison of Chase Sapphire Reserve and Wells Fargo Autograph Journey℠ Card. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Chase Sapphire Reserve	Wells Fargo Autograph Journey℠ Card
Issuer	Chase	Wells Fargo
Network	Visa	Visa
Card Material	Metal	Plastic
Annual Fee	$795.00	$95.00
Base Rate	1.00%	1.00%
Travel Rewards	3.00x	5.00x
Auth. User Fee	$75.00	$0.00
Foreign Txn Fee	0%	0%
Lifecycle	Available	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.0% (base)	1.0% (base)
Hotels	10.0%	5.0%
Airline	5.0%	4.0%
Restaurants	3.0%	3.0%
Travel	3.0%	3.0%
Lyft	5.0%	1.0% (base)
Anniversary Bonus	None	None
Portal Boost	1.5x	1x

Benefits & Partners

Transfer Partners	14 partners	6 partners
Annual Credits	None	None

Transfer Partners

1:1

1:1

Pricing Details

Purchase APR	12.74% - 21.24%	21.24% - 29.99%
Cash Advance APR	21.74%	29.99%
Penalty APR	23.24%	N/A
Late Fee	$40	$40
Balance Transfer Fee	undefined% (min $0)	undefined% (min $0)

Insurance & Protections

Auto Rental	✓	Secondary
Baggage Delay	✓	—
Baggage Loss	✓	—
Cell Phone Protection	—	Covered up to $1,000 per claim (subject to $25 deductible)
Extended Warranty	✓	—
Purchase Protection	120 days	—
Return Protection	—	—
Roadside Dispatch	Pay-per-use	—
Trip Cancellation Interruption	✓	Covered up to $15,000 per trip
Trip Delay	✓	—
Tsa Precheck Global Entry	✓	—

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Standard	Standard