Wells Fargo Autograph Journey℠ Card vs Chase Sapphire Reserve

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

Snapshot

	Wells Fargo Autograph Journey℠ Card	Chase Sapphire Reserve
Issuer	Wells Fargo	Chase
Network	Visa	Visa
Card Material	Plastic	Metal
Annual Fee	$95.00	$795.00
Base Rate	1.00%	1.00%
Travel Rewards	5.00x	3.00x
Auth. User Fee	$0.00	$75.00
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	5.0%	10.0%
Airline	4.0%	5.0%
Travel	3.0%	3.0%
Restaurants	3.0%	3.0%
Lyft	1.0% (base)	5.0%
Anniversary Bonus	None	None
Portal Boost	1x	1.5x

Benefits & Partners

Transfer Partners	6 partners	14 partners
Annual Credits	None	None

Transfer Partners

1:1

1:1

Pricing Details

Purchase APR	21.24% - 29.99%	12.74% - 21.24%
Cash Advance APR	29.99%	21.74%
Penalty APR	N/A	23.24%
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