Choosing between the Chase Sapphire Reserve ($550/yr) and the Wells Fargo Autograph Card (no annual fee) comes down to where you spend most. Both cards can deliver real value — let’s break it down, then run your numbers to find the winner.
Strongest in travel at 5% via portal. 10x on hotels/car rentals, 5x on flights through Chase Travel, 3x on dining.
Perfect if: You maximize portal bookings and want premium perks to offset the fee.
Apply NowStrongest in travel at 3%. 3x points on restaurants, travel, gas, transit, streaming, and phone plans.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Chase Sapphire Reserve | Wells Fargo Autograph Card |
|---|---|---|
| Annual Fee | $550 | $0 |
| Sign-Up Bonus | 75,000 points after $4,000 spend in 3 months | 20,000 points after $1,000 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | <strong>1.0%</strong> | <strong>1.0%</strong> |
| Travel Rewards | <strong>5%</strong> | 3% |
| Dining Rewards | 3% | 3% |
| Gas Rewards | 1% | <strong>3%</strong> |
| Key Benefits | 10x on hotels/car rentals, 5x on flights through Chase Travel, 3x on dining. | 3x points on restaurants, travel, gas, transit, streaming, and phone plans. |
Chase Sapphire Reserve pulls ahead for travel spending.
Wells Fargo Autograph Card wins on gas.
The $550/year fee difference means Chase Sapphire Reserve needs to earn at least that much more in rewards to justify its cost.
Not sure which fits your life? Enter your spending below and we’ll do the math.
Enter your typical monthly spending and we’ll show you exactly which card earns more — including fees and bonuses.