Wells Fargo Propel AMEX Chase Sapphire Reserve

Wells Fargo Propel vs Chase Sapphire Reserve Calculator

Calculate how many points you can earn with the Wells Fargo Propel vs the Chase Sapphire Reserve side by side based on spend and fees. Compare benefits.

The Wells Fargo is a great, no-annual fee rewards card that earns a great return on travel, dining, gas station, and streaming services. The Chase Sapphire Reserve is a premium travel card that carries a hefty annual fee while offering annual travel credits, lounge access, a boost in point value, great returns on travel & dining, and much more.

Wells Fargo Propel vs Chase Sapphire Reserve Calculator

Bonus Categories

The Wells Fargo Propel features 4 bonus categories which are travel, dining, gas station, and streaming services. There's no limit to the amount of bonus Go Far Rewards Points you can earn spending in these three four categories and no limit to the amount of Go Far Rewards Points you can earn with the card overall.

The Chase Sapphire Reserve card has two bonus categories which are travel and dining. As part of the Chase-Lyft Partnership, the card also earns bonus points on Lyft spending. There's no cap on any of the bonus categories and there's no limit to the amount of Ultimate Rewards Points you can earn with the card overall.

Wells Fargo Propel AMEX

  • 3x Travel
    • Travel for this card is considered to be:
      • Airline
      • Passenger Railway
      • Hotel and Motel
      • Timeshares
      • Vehicle and Auto Rentals
      • Cruise Lines
      • Travel Agencies
      • Discount Travel Sites
      • Campgrounds
      • Passenger Trains
      • Taxis
      • Limousines
      • Ferries
      • Toll Bridges and Highways
      • Parking Lots
      • Garages
  • 3x Gas Station
  • 3x Transit
    • Includes rideshares.
  • 3x Dining
  • 3x Streaming Services
    • Apple Music
    • Hulu
    • Netflix
    • Pandora
    • Sirius XM Radio Inc.
    • Spotify Premium
  • 1x Non-Category

Chase Sapphire Reserve

  • 10x Lyft
    • This is the best earnings you can earn on Lyft spend. I highly recommend using this card if you spend with the particular rideshare service.
    • All other Chase Ultimate Rewards and cash back credit cards earn either 5x points or 5% cash back.
  • 3x Travel
    • Chase considers travel to be:
      • Airlines
      • Hotels, Motels, Timeshares
      • Car Rental Agencies, Taxis, Buses, Trains, Limousines
      • Cruise Lines
      • Travel Agencies, Travel Sites
      • Ferries, Toll Bridges, Highways
      • Parking Lots, Garages
      • Anything else that codes as travel
  • 3x Dining
    • Chase considers the following to be dining:
      • Restaurants
      • Fast Food
      • Fine Dining
      • Diners
      • Coffee Shops (i.e. Starbucks)
      • Vending Machines
      • Bars
      • Cafés
      • Food Delivery Services
  • 1x Non-Category

Perks & Benefits

The only benefit of the Wells Fargo Propel AMEX is that it offers cell phone protection when you use the card to pay for your monthly cellular telephone bill.

The Chase Sapphire Reserve offers a significant amount of benefits considering it's a premium travel cards. This includes annual credits, lounge access, and much more.

Wells Fargo Propel AMEX

  • Cell Phone Protection
    • $600 per claim, $1,200 per 12-month period, with $25 deductible.
  • Travel and Purchase Protections
    • Lost Luggage Reimbursement
    • Car Rental Loss & Damage Insurance
    • Roadside Assistance
    • 24/7 Travel & Emergency Assistance
    • Emergency Cash Advances
    • Retail Protection
    • Extended Warranty

Chase Sapphire Reserve

  • Annual $300 Travel Credit
    • Based on your account anniversary.
    • Triggers on any purchase that Chase considers to be travel.
    • Very easy to use if you travel.
  • 50% Point Value Boost
    • You'll receive a 50% point boost when you redeem points on the Chase Ultimate Rewards Portal.
    • Bumps the value of Ultimate Rewards Points up to 1.5 cents for portal redemptions.
    • A smaller 25% point boost is offered on the Chase Sapphire Preferred and Chase Ink Business Preferred.
  • Global Entry / TSA PreCheck Credit
    • Only applies to the primary cardholder.
  • Priority Pass Select Membership
  • Lyft Pink Membership
    • One year complimentary membership which offers:
      • 15% off unlimited car rides
      • Priority airport pickups
      • 3 cancel fees waived per month if re-booked within 15 minutes
      • Waived lost and found fees
      • 3 free 30-min. bike or scooter rides per month
      • Seasonal discounts and exclusive savings/offers
    • Membership is normally $19.99 per month which equals $240 in cash value.
  • DoorDash DashPass Membership
    • Two years of complimentary membership which offers:
      • $0 delivery fees from participating restaurants
      • Reduced service fees
    • DashPass normally costs $9.99 per month which equals $120 in cash value.
  • Annual $60 DoorDash Credits
    • Applies to 2020 and 2021.
  • Luxury Hotel and Resort Collection
  • Insurance and Purchase Protections
    • Trip Cancellation and Interruption Insurance
    • Auto Rental Collision Damage Waiver
    • Lost Luggage Reimbursement
    • Trip Delay Reimbursement
    • Emergency Evacuation & Transportation
    • Purchase Protection
    • Return Protection
    • Extended Warranty Protection

Sign Up Bonus (SUB)

The standard sign up bonus for the Wells Fargo Propel AMEX is 30,000 bonus points after spending $3,000 in purchases on the card within the first 3 months. With the Propel AMEX alone, this has a value of $300 when applied towards travel. The Propel AMEX works best when it's paired with the Wells Fargo Visa Signature which grants a 50% boost in point value when points are redeemed towards airfare. That would give this bonus a value of $450.

The standard sign up bonus for the Chase Sapphire Reserve Card is 50,000 Ultimate Rewards Points after spending $4,000 on the card within the first 3 months of opening the account. You can get a value of $750 when you redeem points on the travel portal thanks to the 50% point boost. You can also transfer your Ultimate Rewards Point to hotel and airline partners for an easy 50,000 hotel points or airline miles which can be worth more than $750.

Wells Fargo Sign Up Bonus
Bonus 30,000
Spend Requirement
Within First 3 Months
Est. Value $300+
Chase Sapphire Reserve Sign Up Bonus
Bonus 50,000
Spend Requirement
Within First 3 Months
Est. Value $750+


The Wells Fargo Propel AMEX has no annual fee which is quite amazing considering it offers a great return on points across popular categories. It also has no authorized user fee which means you can add friends and family as authorized users to build your points faster. To top it all off, the card has no foreign transaction fee which makes it a solid choice for international travel.

The Chase Sapphire Reserve has an annual fee of $550. While this is pricey, remember that this card offers $300 in annual travel credits, a 50% boost in points, lounge access, and a bunch of other perks that far exceeds $550. If you're looking to add authorized users it will cost you $75 per card so make sure they spend enough to make the fee worth it. The Chase Sapphire Reserve also has a 0% foreign transaction fee which puts it at the top for great international travel cards.

- Fees
Annual Fee -
Authorized User Fee -
Foreign Transaction Fee -
- Fees
Annual Fee -
Authorized User Fee -
Foreign Transaction Fee -

Rewards and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category across both cards. This calculator will also give you the dollar value of both cards based on rewards earned and how much each benefit is worth to you minus the fees. Do note that you can only compare the cards covered on this page side-by-side. If you want to compare against other cards, you'll need to go to the card's specific page.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit cards based on spend, benefits, and fees.
Edit Card Options
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

Recommended Reads