SIDE A
A
Wells Fargo · Visa
Wells Fargo Autograph Card
VS.
×
SIDE B
B
Capital One · Visa
Capital One SavorOne Cash Rewards Credit Card
FILING
Head-to-Head · Plastic Quarterly
Both cards offer no annual fees and rewards on popular spending categories, but they differ fundamentally in structure and value delivery. The Wells Fargo Autograph uses a points system with generous 3x multipliers across six categories, while the Capital One SavorOne delivers straightforward cash back with lower maximums but faster redemption. The Autograph appeals to frequent travelers and those who benefit from category stacking, whereas SavorOne suits everyday spenders who prefer immediate cash value. Capital One's intro 0% APR period and Uber One membership add practical perks, but Wells Fargo's points ecosystem and cell phone protection offer different advantages. Your choice depends on whether you prioritize flexible points accumulation or guaranteed cash rewards.
THE VERDICT
Our ruling.
“Choose the Capital One SavorOne if you want simplicity and immediate value; it delivers clearer cash back percentages and a useful intro APR period. Pick the Wells Fargo Autograph only if you're a heavy traveler or frequently use the specific bonus categories and plan to accumulate points strategically with other Wells Fargo cards.”
CHOOSE A
Side A is for you if…
- 01You spend significantly on travel and dining and want to maximize rewards through points pooling with other Wells Fargo products
- 02You value cell phone protection and need a safety net for device damage or theft
- 03You're willing to learn points redemption strategy and prefer flexible point transfers over cash back
- 04You use multiple Wells Fargo rewards cards and want to combine points for higher redemption value
CHOOSE B
Side B is for you if…
- 01You want cash back that posts immediately without redemption complexity or points accounting
- 02You need breathing room on interest charges with the 15-month 0% intro APR period
- 03You use Uber regularly and value the complimentary 12-month Uber One membership
- 04You spend heavily on groceries, dining, and entertainment and want predictable 3% cash back in those categories
THE LEDGER
Side by side.
- ISSUER
- Wells Fargo
- Capital One
- NETWORK
- Visa
- Visa
- ANNUAL FEE
- $0
- $0
- APR RANGE
- 20.24% – 29.99%
- 19.24% – 29.24%
- INTRO APR (PURCHASES)
- None
- 0% for 15 months
- INTRO APR (BALANCE TRANSFERS)
- None
- None
- REWARDS TYPE
- points
- cashback
- REWARDS RATE
- 1x points on all purchases
- 1% cash back on all purchases
- SIGN-UP BONUS
- 20,000 points
- $200 bonus
- BONUS VALUE
- $200
- $200
- MIN. CREDIT SCORE
- 670+
- 670+
- FOREIGN TRANSACTION FEE
- None
- None
A HIGHLIGHTS
Wells Fargo Autograph Card
- —3x points on restaurants, travel, gas, transit, streaming, and phone plans
- —No annual fee
- —Cell phone protection up to $600
- —No foreign transaction fees
- —Earn and pool with other Wells Fargo rewards cards
B HIGHLIGHTS
Capital One SavorOne Cash Rewards Credit Card
- —No annual fee with 3% on dining, entertainment, and groceries
- —0% intro APR for 15 months
- —5% cash back through Capital One Travel
- —Complimentary Uber One membership (12 months)
- —No foreign transaction fees
QUESTIONS · ANSWERS
Frequently filed.
Both offer 3x rewards in dining (3% cash back for SavorOne, 3x points for Autograph), but SavorOne's cash back is immediately tangible. If you spend $500 monthly on dining, SavorOne delivers $15 in cash back versus Autograph's 1,500 points, whose value depends on redemption rates typically ranging from 0.7–1.5 cents per point.