Chase Sapphire Preferred® Card vs. Wells Fargo Reflect®
Side-by-side comparison · Updated 2026 · Independently reviewed
Chase Sapphire Preferred® Card
Chase
4.8
Earn 60,000 bonus points. Strong travel and dining rewards.
Full review →
WealthSpott Verdict
Wells Fargo Reflect® wins on more measurable categories — particularly annual cost. Chase Sapphire Preferred® Card may still win for your wallet depending on your spending patterns.
Feature
Chase Sapphire Preferred®
Wells Fargo Reflect®
Annual Fee
$95/yr
$0 Best
Sign-up Bonus
60,000 points
None
Rewards Rate
1x-5x
0%
Rewards Type
Points
None
0% Intro APR
N/A
0% intro APR for up to 21 months
Regular APR
21.49%-28.49% Variable
18.24%-29.99% Variable Best
Foreign Transaction Fee
None Best
Yes
Recommended Credit Score
670-850
670-850
Chase Sapphire Preferred® Card
Pros
- Valuable sign-up bonus (60k points)
- 3x on dining and travel
- No foreign transaction fee
Cons
- $95 annual fee
- Points worth more when redeemed for travel through Chase
Wells Fargo Reflect®
Pros
- 0% intro APR for up to 21 months
- No annual fee
- Cell phone protection included
Cons
- No rewards program at all
- 3% foreign transaction fee
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