Chase Freedom Flex℠ vs Wells Fargo Autograph Journey℠
Side-by-side comparison
| Chase Freedom Flex℠ | Wells Fargo Autograph Journey℠ | |
|---|---|---|
| Annual fee | No annual fee | $95 |
| Welcome offer | $200 cash bonus | 60,000 bonus points ($600 value) |
| Dining | 3x | 3x |
| Groceries | 1x | 1x |
| Gas | 1x | 1x |
| Travel | 1x | 5x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $361 | $424 |
| Points type | Pools with Chase → transferable | Transfers to airlines & hotels |
| Network | Mastercard | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the Chase Freedom Flex℠ earns about $361 a year in rewards and the Wells Fargo Autograph Journey℠ about $424, valuing every point at a flat 1 cent. The Chase Freedom Flex℠ has no annual fee, so its rewards are all profit. The Wells Fargo Autograph Journey℠ charges $95, but carries about $50 in annual statement credits that offset it for anyone who uses them. The two are close on value, but the Chase Freedom Flex℠ edges ahead by about $8 a year, mostly because it skips the annual fee the other charges. Both earn transferable points rather than flat cash, so the deciding factor is whose transfer partners reach the airlines and hotels you would actually book. On the sign-up bonus, the Wells Fargo Autograph Journey℠ currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Wells Fargo Autograph Journey℠ if your spending leans toward travel.