Which card has the bigger sign-up bonus, Chase Sapphire Preferred or Wells Fargo Autograph Card?

The Chase Sapphire Preferred has the bigger bonus, 75,000 points, worth roughly $1,500, versus 20,000 points (~$200) on the Wells Fargo Autograph Card.

Is the Chase Sapphire Preferred's $95 annual fee worth it compared to the Wells Fargo Autograph Card?

At $95/yr, the Chase Sapphire Preferred is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Wells Fargo Autograph Card's, pick the one whose perks you'll actually use.

Can I have both the Chase Sapphire Preferred and Wells Fargo Autograph Card?

Yes, since they're from different issuers (Chase and Wells Fargo) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.

Should I get the Chase Sapphire Preferred or the Wells Fargo Autograph Card first?

Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Sapphire Preferred: $5,000 spend in 3 months. Wells Fargo Autograph Card: $1,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

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Side-by-side

Chase Sapphire Preferred vs Wells Fargo Autograph Card

Both are travel travel cards. The Chase Sapphire Preferred comes from Chase at $95/yr; the Wells Fargo Autograph Card from Wells Fargo at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Chase Sapphire Preferred is the stronger pick today, the sign-up bonus is meaningfully larger ($1,300 more in estimated value) than the Wells Fargo Autograph Card's. Get the Chase Sapphire Preferred first; revisit the Wells Fargo Autograph Card after you've earned that bonus.

Feature	Chase Sapphire Preferred	Wells Fargo Autograph Card
Annual fee	$95	$0
Sign-up bonus	75,000 points	20,000 points
Bonus value (est.)	$1,500	$200
Min spend to unlock bonus	$5,000 in 3 mo	$1,000 in 3 mo
Issuer	Chase	Wells Fargo
Card category	travel	travel
Best earning category (Travel)	5x	3x
Transfer partners	chase-ur	wells-fargo
Headline benefits	5x on travel booked via Chase 3x on dining & streaming $100 annual hotel credit Transfer to 13 partners (Hyatt 1:1)	3x on 6 broad categories No annual fee No FX fees Cell phone protection

Read the full review

Chase Sapphire Preferred

$95/yr · 75,000 points

Read the full review

Wells Fargo Autograph Card

$0/yr · 20,000 points

Editorial take: Chase Sapphire Preferred

The best starter travel card, period. Transferable points, solid bonus categories, and a low annual fee make this the card we recommend to almost everyone getting into the points game. Note: the 10% anniversary points bonus sunsets October 1, 2026.

Editorial take: Wells Fargo Autograph Card

The best no-annual-fee card for everyday spend in 2026. 3x on six broad categories with no caps trumps almost every other free card. Pair with the Autograph Journey if you want transferable points.

The real-world take

TL;DR. A $95 transferable-points card versus a $0 broad-category card. Sapphire Preferred earns 5x on Chase Travel, 3x dining/streaming/online groceries, full UR transfer access (Hyatt, United). Autograph ($0) earns 3x on six broad categories (restaurants, travel, gas, transit, streaming, phone plans) and is a strong standalone no-fee earner. CSP wins for transfer-partner redemptions. Autograph wins on fee.

The three dimensions that actually decide it. First, fee. $95 difference. Autograph wins on free. Second, transfer partners. CSP has Hyatt and United (best in class). Autograph's transferable currency requires the $95 Autograph Journey paired in to unlock Wells Fargo's transfer partners (no Hyatt). Third, category breadth. Autograph's 3x covers six broad categories at no cap; CSP's 3x is narrower.

Real customer scenario for each. If you redeem for Hyatt or United awards, CSP at $95 is the right entry. If instead you want a single $0 card with the broadest 3x coverage in the category, Autograph is one of the strongest no-fee picks in 2026.

The trap to avoid. Choosing Autograph standalone without realizing Wells Fargo's points cap out as cash (1 cpp) without an Autograph Journey pairing, which itself has no Hyatt path. The $0 card is great as a category earner but it does not replace CSP for award-flight redemption.

Common questions

Which card has the bigger sign-up bonus, Chase Sapphire Preferred or Wells Fargo Autograph Card?: The Chase Sapphire Preferred has the bigger bonus, 75,000 points, worth roughly $1,500, versus 20,000 points (~$200) on the Wells Fargo Autograph Card.
Is the Chase Sapphire Preferred's $95 annual fee worth it compared to the Wells Fargo Autograph Card?: At $95/yr, the Chase Sapphire Preferred is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Wells Fargo Autograph Card's, pick the one whose perks you'll actually use.
Can I have both the Chase Sapphire Preferred and Wells Fargo Autograph Card?: Yes, since they're from different issuers (Chase and Wells Fargo) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
Should I get the Chase Sapphire Preferred or the Wells Fargo Autograph Card first?: Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Sapphire Preferred: $5,000 spend in 3 months. Wells Fargo Autograph Card: $1,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.