Choosing between the Chase Sapphire Reserve ($795/yr) and the Wells Fargo Autograph Journey Card ($95/yr) 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. 8x on Chase Travel, 4x on flights and hotels booked direct, 3x on dining.
Perfect if: You maximize portal bookings and want premium perks to offset the fee.
Apply NowStrongest in travel at 4%. 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 | Wells Fargo Autograph Journey Card |
|---|---|---|
| Annual Fee | $795 | $95 |
| Sign-Up Bonus | 100,000 points after $6,000 spend in 3 months | 60,000 points after $4,000 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1.0% | 1.0% |
| Travel Rewards | 5% | 4% |
| Dining Rewards | 3% | 3% |
| Key Benefits | 8x on Chase Travel, 4x on flights and hotels booked direct, 3x on dining. | 5x on hotels, 4x on airlines, 3x on restaurants and other travel. |
Chase Sapphire Reserve pulls ahead for travel spending.
The $700/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.