Chase Sapphire Reserve vs Wells Fargo Reflect
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Chase Sapphire Reserve wins 3-2. Annual travelers — the upgrade path from Sapphire Preferred. Wells Fargo Reflect is still the right call if 21-month 0% intro apr — best balance-transfer card on the market..
Side-by-side
| Criterion | Chase Sapphire Reserve | Wells Fargo Reflect |
|---|---|---|
| Annual fee | · $550 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 10% (travel) | · 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | No FX fee | · 3% |
| Welcome bonus | = 60,000 points after $4,000 in first 3 months | = No welcome bonus — value is the long 0% APR |
| Fee waiver threshold | = No waiver | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | · 740 | 670 |
| Editorial rating | 4.7/5 | · 4.3/5 |
Benefits compared
Chase Sapphire Reserve
- 10x on hotels and rental cars booked via Chase Travel
- 5x on flights booked via Chase Travel
- 3x on all other dining + travel
- $300 annual travel credit
- Priority Pass Select + Chase Sapphire Lounge access
- 50% bonus when redeeming for travel via Chase portal
Wells Fargo Reflect
- 0% intro APR for 21 months on purchases + balance transfers
- 1% cashback on rotating bonuses (rare for Wells Fargo)
- Cell phone protection
- No annual fee
FAQ
›Chase Sapphire Reserve vs Wells Fargo Reflect: which is better?
Chase Sapphire Reserve wins on more dimensions (3 vs 2). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Chase Sapphire Reserve for its best categories, Wells Fargo Reflect for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Chase Sapphire Reserve: 60,000 points after $4,000 in first 3 months. Wells Fargo Reflect: No welcome bonus — value is the long 0% APR.