Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the Sapphire Reserve for Business℠ Credit Card ($795/yr) and the Wells Fargo Autograph Journey℠ Card ($95/yr) comes down to where you spend most. Chase Sapphire Reserve Business needs about $2,920 a month in flights, counting that spending alone, to make up its $700 higher annual fee over Wells Fargo Autograph Journey Card. Below that, Wells Fargo Autograph Journey Card comes out ahead. Enter your monthly spending above to see which comes out ahead for you.
Strongest in flights and hotels at 4%. 8x on Chase Travel, 4x on flights/hotels direct, 3x on ads.
Perfect if: You book through the issuer's own site and want premium perks to offset the fee.
Apply NowStrongest in hotels at 5%. 5x on hotels, 4x on airlines, 3x on restaurants and other travel.
Perfect if: You want a strong rewards rate with no spending caps to worry about.
Apply Now| Feature | Chase Sapphire Reserve Business | Wells Fargo Autograph Journey Card |
|---|---|---|
| Annual Fee | $795 | $95 |
| Sign-Up Bonus | 200,000 points after $30,000 spend in 6 months | 60,000 points after $4,000 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1% | 1% |
| Flights Rewards | 4% | 4% |
| Hotels Rewards | 4% | 5% |
| Other travel Rewards | 1% | 3% |
| Dining Rewards | 1% | 3% |
| Rates with conditions not counted in the rows above |
8% through Chase Travel Earns 8% only on travel booked through Chase Travel, Chase's own booking site. Flights and hotels booked direct earn 4%. |
None |
| Key Benefits | 8x on Chase Travel, 4x on flights/hotels direct, 3x on ads. | 5x on hotels, 4x on airlines, 3x on restaurants and other travel. |
Wells Fargo Autograph Journey Card wins on travel, dining.
The $700/year fee difference means Chase Sapphire Reserve Business needs to earn about that much more in rewards to justify its cost.
Chase Sapphire Reserve Business carries $2,110/year in credits (mostly tied to specific merchants or bookings), while Wells Fargo Autograph Journey Card carries $50/year in credits (mostly unlocked by everyday bonus-category spending). Those only count if you’d actually use them. Worth checking against your own habits before treating them as a discount on the fee.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.