Comparing Chase Sapphire Preferred and Wells Fargo Autograph Journey 7 Key Differences to Consider

Comparing Chase Sapphire Preferred and Wells Fargo Autograph Journey 7 Key Differences to Consider - Welcome Bonuses Comparison

The Chase Sapphire Preferred and Wells Fargo Autograph Journey credit cards offer distinct welcome bonuses.

The Sapphire Preferred provides a more lucrative 75,000 point bonus after spending $4,000 in the first three months, while the Autograph Journey offers 60,000 points under the same spending threshold.

However, the Autograph Journey's points are worth slightly more at 1.6 cents per point compared to the Sapphire Preferred's 1.5 cents per point.

The Chase Sapphire Preferred card's welcome bonus of 75,000 points is worth $1,125 when redeemed for travel through the Chase Ultimate Rewards portal, making it one of the most valuable sign-up offers on the market.

The Wells Fargo Autograph Journey's 60,000 point welcome bonus is worth $960 when redeemed for travel, slightly less than the Sapphire Preferred, but still a highly competitive offer.

Interestingly, the Autograph Journey card offers a lower threshold for earning the welcome bonus, requiring only $1,000 in spending within the first 3 months, compared to $4,000 for the Sapphire Preferred.

While the Sapphire Preferred earns 2X points on all travel purchases, the Autograph Journey has a unique 5X points category for hotels, potentially making it a better option for frequent hotel stays.

The Sapphire Preferred's points are worth 25% more when redeemed for travel through the Chase portal, giving it a slight edge over the Autograph Journey's 6 cents per point value.

Surprisingly, the no-annual-fee Autograph Journey card offers 3X points on a wider range of categories, including restaurants, gas stations, and popular streaming services, potentially making it a better everyday spending card.

What else is in this post?

1. Comparing Chase Sapphire Preferred and Wells Fargo Autograph Journey 7 Key Differences to Consider - Welcome Bonuses Comparison
2. Comparing Chase Sapphire Preferred and Wells Fargo Autograph Journey 7 Key Differences to Consider - Earning Rates on Spending Categories
3. Comparing Chase Sapphire Preferred and Wells Fargo Autograph Journey 7 Key Differences to Consider - Annual Fees and Intro APR Offers
4. Comparing Chase Sapphire Preferred and Wells Fargo Autograph Journey 7 Key Differences to Consider - Transfer Partners and Travel Redemption Options
5. Comparing Chase Sapphire Preferred and Wells Fargo Autograph Journey 7 Key Differences to Consider - Additional Perks and Protections
6. Comparing Chase Sapphire Preferred and Wells Fargo Autograph Journey 7 Key Differences to Consider - Long-Term Value Proposition

Comparing Chase Sapphire Preferred and Wells Fargo Autograph Journey 7 Key Differences to Consider - Earning Rates on Spending Categories

The Chase Sapphire Preferred earns a impressive 5 points per dollar on travel booked through Chase Ultimate Rewards, Lyft rides through March 2025, and Peloton equipment purchases, while the Wells Fargo Autograph Journey offers strong earning rates of 5 points per dollar on hotels and 4 points per dollar on airlines.

The Autograph Journey also provides 3 points per dollar on other travel and dining, potentially making it a better choice for everyday spending compared to the Sapphire Preferred's more travel-focused earning structure.

The Wells Fargo Autograph Journey card offers an impressive 5 points per dollar on hotel stays, making it a standout option for frequent hotel bookers.

The Chase Sapphire Preferred card provides a unique 5 points per dollar earning rate on Peloton equipment and accessory purchases over $150, catering to the growing fitness enthusiast market.

Interestingly, the Autograph Journey card's points are worth slightly more at 6 cents per point compared to the Sapphire Preferred's 5 cents per point when redeemed for travel.

The Sapphire Preferred's 5 points per dollar on Lyft rides through March 2025 is a surprising perk, particularly for urban dwellers who rely on ridesharing services.

Unexpectedly, the $0 annual fee Autograph Journey card offers 3 points per dollar on a broader range of categories, including restaurants, gas stations, and popular streaming services, making it a versatile option for everyday spending.

The Sapphire Preferred's 10 points bonus each year based on your card spending is a unique feature that can add significant value over the long term.

Surprisingly, the Autograph Journey's 5 points per dollar on airlines is on par with the Sapphire Preferred's 5 points per dollar on travel booked through the Chase Ultimate Rewards portal, offering a compelling option for frequent flyers.

Comparing Chase Sapphire Preferred and Wells Fargo Autograph Journey 7 Key Differences to Consider - Annual Fees and Intro APR Offers

The Chase Sapphire Preferred has a $95 annual fee, while the Wells Fargo Autograph Journey has no annual fee.

The Autograph Journey currently offers a 0% introductory APR offer on balance transfers, a feature the Sapphire Preferred does not have.

While the Chase Sapphire Preferred has a $95 annual fee, the Wells Fargo Autograph Journey surprisingly has no annual fee, making it a more budget-friendly option for consumers.

The Wells Fargo Autograph Journey currently offers a 0% introductory APR on purchases for the first 12 months, a feature not available on the Chase Sapphire Preferred card.

Interestingly, the Autograph Journey's points are worth slightly more at 6 cents per point compared to the Sapphire Preferred's 5 cents per point when redeemed for travel, providing potentially greater value.

Unexpectedly, the Autograph Journey's lower $1,000 spending requirement for the 60,000 point welcome bonus is more attainable than the Sapphire Preferred's $4,000 threshold for the 75,000 point offer.

Surprisingly, the no-annual-fee Autograph Journey card offers 3X points on a wider range of everyday spending categories, including restaurants, gas stations, and popular streaming services, potentially making it a more rewarding option for non-travel purchases.

Intriguingly, the Chase Sapphire Preferred's points are worth 25% more when redeemed for travel through the Chase portal, giving it a slight edge over the Autograph Journey's 6 cents per point value.

Fascinatingly, the Autograph Journey's 5X points on hotel stays could make it a superior choice for frequent hotel bookers compared to the Sapphire Preferred's 5X points on travel booked through Chase.

Remarkably, the Sapphire Preferred's unique 5 points per dollar on Peloton equipment and accessory purchases over $150 caters to the growing fitness enthusiast market, a feature not offered by the Autograph Journey.

Comparing Chase Sapphire Preferred and Wells Fargo Autograph Journey 7 Key Differences to Consider - Transfer Partners and Travel Redemption Options

The Chase Sapphire Preferred card offers more valuable redemption options and a stronger transfer partner network compared to the Wells Fargo Autograph Journey card.

While the Wells Fargo Autograph Journey allows points to be redeemed for travel at a rate of 1 cent per point, the Chase Sapphire Preferred provides a 1.25 to 1.5 cents per point value when booking through the Chase Travel portal, as well as the flexibility to transfer points to 14 airline and hotel partners.

The Chase Sapphire Preferred allows point redemption for travel through Chase Travel at 25 to 5 cents each, significantly more than the 1-cent value offered by the Wells Fargo Autograph Journey.

The Sapphire Preferred offers enhanced flexibility with the option to transfer points to 14 airline and hotel partners, while the Autograph Journey lacks this valuable transfer partner network.

Sapphire Preferred cardholders can earn 5 points per dollar on Lyft rides through March 2025, a unique perk not offered by the Autograph Journey.

The Autograph Journey surprisingly provides 5 points per dollar on hotel stays, making it a standout option for frequent hotel bookers compared to the Sapphire Preferred.

Unexpectedly, the no-annual-fee Autograph Journey card offers 3 points per dollar on a broader range of everyday spending categories like restaurants and gas stations.

Interestingly, the Autograph Journey's points are worth slightly more at 6 cents per point when redeemed for travel, compared to the Sapphire Preferred's 5 cents per point.

Surprisingly, the Autograph Journey has a lower $1,000 spending requirement for its 60,000 point welcome bonus, more attainable than the Sapphire Preferred's $4,000 threshold.

The Sapphire Preferred's unique 5 points per dollar on Peloton equipment and accessory purchases over $150 caters to the growing fitness enthusiast market.

Fascinatingly, the Autograph Journey's 5 points per dollar on airline purchases is on par with the Sapphire Preferred's 5 points per dollar on travel booked through Chase, offering a compelling option for frequent flyers.

Comparing Chase Sapphire Preferred and Wells Fargo Autograph Journey 7 Key Differences to Consider - Additional Perks and Protections

1.

The Chase Sapphire Preferred offers additional valuable perks such as trip cancellation/interruption/delay coverage and a $50 annual hotel credit, providing more comprehensive travel-focused benefits than the no-annual-fee Wells Fargo Autograph Journey.

2.

While the Autograph Journey lacks these specific travel protections, it makes up for it with a $0 annual fee, making it a more cost-effective option for those who prioritize flexible travel rewards over extensive additional benefits.

3.

The Chase Sapphire Preferred offers a unique $50 hotel credit per year, a perk not included with the Wells Fargo Autograph Journey.

While the Autograph Journey lacks specific travel protections, it surprisingly offers cell phone protection, a benefit not provided by the Sapphire Preferred.

Interestingly, the Sapphire Preferred's trip cancellation/interruption/delay insurance can reimburse up to $10,000 per person and $20,000 per trip, significantly more coverage than the Autograph Journey.

Unexpectedly, the Autograph Journey's lack of an annual fee makes it a more cost-effective option for those who prioritize travel rewards over specific benefits.

Surprisingly, the Sapphire Preferred's baggage delay insurance can provide reimbursement of up to $100 per day for up to 5 days, a valuable perk for frequent travelers.

Fascinatingly, the Autograph Journey's 3x points on a broader range of everyday spending categories, including streaming services and phone plans, may make it a more rewarding card for non-travel purchases.

Intriguingly, the Sapphire Preferred's trip cancellation/interruption insurance can cover pre-paid, non-refundable travel expenses, providing an additional layer of protection for travelers.

Remarkably, the Autograph Journey's cell phone protection can reimburse up to $600 per claim, with a $25 deductible, potentially saving cardholders a significant amount on phone repairs or replacements.

Surprisingly, the Sapphire Preferred's baggage delay insurance can provide coverage for essential purchases, such as toiletries and clothing, during extended delays.

Interestingly, the Autograph Journey's lack of an annual fee and broader earning categories may make it a more appealing option for those who value simplicity and everyday rewards over specific travel benefits.

Comparing Chase Sapphire Preferred and Wells Fargo Autograph Journey 7 Key Differences to Consider - Long-Term Value Proposition

The Chase Sapphire Preferred offers a more valuable long-term proposition compared to the Wells Fargo Autograph Journey.

The Chase Sapphire Preferred offers a 10 points bonus each year based on your card spending, a unique feature that can add significant value over the long term.

Surprisingly, the no-annual-fee Wells Fargo Autograph Journey card provides 3 points per dollar on a broader range of everyday spending categories, including restaurants, gas stations, and popular streaming services, making it a versatile option for non-travel purchases.

Interestingly, the Autograph Journey's points are worth slightly more at 6 cents per point when redeemed for travel, compared to the Sapphire Preferred's 5 cents per point value.

Unexpectedly, the Autograph Journey's lower $1,000 spending requirement for the 60,000 point welcome bonus is more attainable than the Sapphire Preferred's $4,000 threshold for the 75,000 point offer.

Fascinatingly, the Autograph Journey's 5X points on hotel stays could make it a superior choice for frequent hotel bookers compared to the Sapphire Preferred's 5X points on travel booked through Chase.

Remarkably, the Sapphire Preferred's unique 5 points per dollar on Peloton equipment and accessory purchases over $150 caters to the growing fitness enthusiast market, a feature not offered by the Autograph Journey.

Surprisingly, the Autograph Journey's 5 points per dollar on airline purchases is on par with the Sapphire Preferred's 5 points per dollar on travel booked through Chase, offering a compelling option for frequent flyers.

Interestingly, the Autograph Journey's lack of an annual fee and broader earning categories may make it a more appealing option for those who value simplicity and everyday rewards over specific travel benefits.

Unexpectedly, the Autograph Journey's cell phone protection can reimburse up to $600 per claim, with a $25 deductible, potentially saving cardholders a significant amount on phone repairs or replacements.

Fascinatingly, the Sapphire Preferred's trip cancellation/interruption insurance can cover pre-paid, non-refundable travel expenses, providing an additional layer of protection for travelers.

Surprisingly, the Sapphire Preferred's baggage delay insurance can provide coverage for essential purchases, such as toiletries and clothing, during extended delays, a valuable perk for frequent travelers.