Wells Fargo Autograph Card vs. Capital One Savor Card [Detailed Comparison]

Everyday spending is a clear opportunity to earn credit card rewards. It’s a smart move to use a card that earns rewards on all the purchases you’re making daily.

It’s important to select the right card to ensure that your highest common expenses earn the most rewards. For this reason, we’ve chosen 2 cards, both with robust everyday earning potential, for our card comparison today. The Wells Fargo Autograph℠ Card and Capital One Savor Cash Rewards Credit Card*×Information collected independently. Not reviewed by Capital One. make daily earning a breeze.

Once you’ve earned all those rewards, you’ll want great value at redemption time.

We’ve got you covered. We’ll look at how our featured cards earn rewards, your options for redeeming them, and the additional card protections and benefits.

Overview

Before we dive into the attributes of the Wells Fargo Autograph card and Capital One Savor card, a summary of the card features and benefits could be helpful.

Here is a side-by-side view of how the cards compare:

Value of a Welcome Offer

A key benefit of a rewards-earning card can be the opportunity to earn a welcome bonus offer immediately after card approval.

The Wells Fargo Autograph card and Capital One Savor card have welcome offers that can be earned by meeting minimum spending requirements within the specified period once approved for either card. Offers can change, so review the most current offer before applying.

These card snapshots contain the most recent welcome offers and more information about our featured cards:

Wells Fargo Autograph℠ Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Wells Fargo Autograph Card offers great 3x bonus points and cell phone protection with no annual fee.

Wells Fargo Autograph℠ Card

The Wells Fargo Autograph Card offers great 3x bonus points and cell phone protection with no annual fee.

Welcome Offer

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.

20,000 points

Annual Fee

$0

APR

0% intro APR for 12 months from account opening on purchases, 19.49%, 24.49%, or 29.49% variable APR thereafter

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The Wells Fargo Autograph℠ Card is an excellent no annual fee card that offers 3x points on 6 different bonus categories. Choose from multiple options when you’re ready to redeem your rewards, and take advantage of great perks including cell phone protection, auto rental collision damage waiver, and no foreign transaction fees.

Pros & Cons

Pros

• 3x points per $1 spent on restaurants, travel, gas stations, transit, popular streaming services, and phone plans
• 1x points per $1 spent on other purchases
• No annual fee

Cons

• Points are worth a fixed 1 cent per point, so it isn’t possible to get outsized value

Read Full Review

Card Highlights

• Select “Learn More” to take advantage of this specific offer and learn more about product features, terms and conditions.
• Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.
• Earn unlimited 3X points on the things that really add up – like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
• $0 annual fee.
• 0% intro APR for 12 months from account opening on purchases. 19.49%, 24.49%, or 29.49% variable APR thereafter.
• Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
• Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
• Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature^® Concierge.

Financial Snapshot

• APR: 0% intro APR for 12 months from account opening on purchases, 19.49%, 24.49%, or 29.49% variable APR thereafter
• Foreign Transaction Fees: None

Terms Apply / Rates & Fees

Capital One Savor Cash Rewards Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Capital One Savor card is a great no-annual fee card for those who regularly spend on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart and Target).

Capital One Savor Cash Rewards Credit Card

The Capital One Savor card is a great no-annual fee card for those who regularly spend on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart and Target).

Welcome Offer

Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.

$200

Annual Fee

$0

APR

19.49% - 29.49% (Variable),0% intro on purchases for 15 months

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The Capital One Savor card is a phenomenal option when it comes to no-annual-fee cash-back credit cards. With popular bonus categories like dining, grocery stores (excluding superstores like Walmart and Target), entertainment, and popular streaming services, and the ability to earn 3% cash-back on these purchases, it is easy to see why those who use the card can earn some serious cash-back throughout the year.

The card also allows you to take your rewards and experiences even further by offering access to Capital One Travel, Capital One Dining, and Capital One Entertainment.

Pros & Cons

Pros

• 8% cash back on Capital One Entertainment purchases
• 5% cash-back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
• 3% cash-back on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart and Target)

Cons

• Rewards are purely cash-back, so there is no option for miles transfers to transfer partners for redemptions

Read Full Review

Card Highlights

• Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
• Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart^® and Target^®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
• Earn 8% cash back on Capital One Entertainment purchases
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
• No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
• 0% intro APR on purchases and balance transfers for 15 months; 19.49% - 29.49% variable APR after that; balance transfer fee applies
• No foreign transaction fee
• No annual fee

Financial Snapshot

• APR: 19.49% - 29.49% (Variable),0% intro on purchases for 15 months
• Foreign Transaction Fees: None

Bottom Line:

The Wells Fargo Autograph card and Capital One Savor card have welcome offers worth up to hundreds of dollars. The welcome offer can be earned after meeting minimum spending requirements within the specified period after card approval.

Earning Potential

The Wells Fargo Autograph card earns Wells Fargo Rewards points, while the Capital One Savor card earns cash-back rewards. We’ll discuss the value of these rewards next, but first, we’ll look at how you’ll be earning on each card.

Both cards have robust earning structures that reward select everyday purchases. When reviewing this list, you might reflect on which bonus spending categories match your largest expenses.

Here’s how you earn rewards with our featured cards:

The better card for earning rewards depends on how well the bonus categories match your overall spending mix.

The Wells Fargo Autograph card is a better choice for a frequent traveler, as travel, gas stations, transit, and dining purchases earn well. The Capital One Savor card earns just 1% cash-back on general travel, although hotels and rental cars via Capital One Travel earn 5% cash-back.

The Capital One Savor card would earn well for those who spend heavily at the grocery store (excluding superstores such as Walmart or Target) or on dining, popular streaming services, or entertainment, as the card earns unlimited 3% cash-back in these categories. The Wells Fargo Autograph card earns just 1x points at supermarkets.

Earning rewards is a key element for selecting the right card, but the value you receive at redemption time can be equally, if not more, important.

Next, we look at how to redeem rewards earned on either of our featured cards.

Bottom Line:

The Wells Fargo Autograph card has better earnings for those who spend heavily on travel, transit, gas stations, dining, and streaming services. The Capital One Savor card’s earning strength is at grocery stores, dining, entertainment, and streaming services.

Redemption Options

You realize the true value of the rewards you earn on the Wells Fargo Autograph card or Capital One Savor card at redemption time.

The Wells Fargo Autograph card earns flexible Wells Fargo Rewards points, while the Capital One Savor card earns cash-back rewards.

Here are the options for redeeming rewards earned on these cards:

Wells Fargo Autograph Card

The best potential value for your Wells Fargo Rewards points can be to transfer them to airline or hotel partners.

Wells Fargo Rewards points can be transferred at a 1:1 ratio to airline and travel transfer partners, including Aer Lingus AerClub, Air France-KLM Flying Blue, Avianca LifeMiles, British Airways Executive Club, Iberia Plus, Virgin Atlantic Flying Club, and Virgin Red. These partners give you access to all 3 major airline alliances.

Wells Fargo Rewards’ hotel partner is Choice Privileges. We like the program’s sweet spot hotel redemptions, especially in Nordic countries.

Capital One Savor Card

Although you have several redemption options, cash rewards earned on the Capital One Savor card are generally worth 1 cent each.

An exception to this is when you have a miles-earning Capital One card, such as the Capital One Venture X Rewards Credit Card*×Information collected independently. Not reviewed by Capital One. or the Capital One Venture Rewards Credit Card*×Information collected independently. Not reviewed by Capital One.. Miles-earning Capital One cards have access to Capital One airline and hotel transfer partners, where redemptions can include award flights and free hotel nights.

This additional flexibility can result in greater value for your Capital One rewards. We estimate Capital One miles to be worth approximately 1.8 cents each.

Bottom Line:

Wells Fargo Rewards points earned on the Wells Fargo Autograph card can be transferred directly to airline and hotel partners for the best potential value. Capital One cash rewards earned on the Capital One Savor card are generally worth 1 cent when redeemed for travel via Capital One Travel, statement credits, and with select retail merchants.

Travel Protections and Benefits

Travel protections can provide economic relief should you suffer a covered loss while traveling. With travel benefits, you can save money or enjoy perks that make your travel more comfortable.

Here are some of the top travel protections and benefits on the Wells Fargo Autograph card and Capital One Savor card, as well as those unique to each card:

• Auto Rental Collision Damage Waiver: Reserve and pay for your car rental with your card and decline the rental agency’s CDW/LDW insurance to receive coverage for damage or theft.
  • Wells Fargo Autograph Card: Coverage is secondary within the U.S. and primary outside of the U.S. where coverage is available. Secondary coverage means a claim must be filed with any other applicable insurance before card coverage applies.
  • Capital One Savor Card: MasterRental coverage provides secondary coverage in the U.S. if you have auto insurance. Secondary means you must file a claim with any other applicable insurance before card coverage applies. Outside of the U.S., coverage is primary.
• Roadside Dispatch: The Wells Fargo Autograph card provides roadside dispatch, and the Capital One Savor card provides Master RoadAssist. Both include roadside assistance service 24/7 for a prearranged fee. Services include limiting towing, standard winching, lockout and jump-start services, tire changing, and emergency fuel delivery. Additional services will be charged to the card.
• No Foreign Transaction Fees: Take your card abroad with you, as neither card charges foreign transaction fees, typically 3% of a foreign transaction (rates & fees of the Capital One Savor card).
• Travel Assistance Services: Have access to help 24/7 during your travels to arrange emergency transportation, translation services, lost luggage assistance, legal and medical referrals, and more.

Wells Fargo Autograph Card

• Visa Signature Luxury Hotel Collection Benefits: Reserve and pay with your card to receive elite-style benefits, including an upgraded room (when available), breakfast for 2, complimentary Wi-Fi, a $25 food and beverage credit, late checkout on request (when available), and VIP guest status.

Capital One Savor Card

• Capital One Travel Benefits: Set flight alerts, select the option to cancel a flight for any reason, or freeze a flight price. If a flight price drops within 10 days after booking, you could receive up to $50 with flight price protection. If you find a better price for your flight within 24 hours after booking, Capital One gives you a travel credit for the difference. Terms apply.

We have not listed every card protection or benefit, and descriptions have been abbreviated. Terms and conditions may also apply. Please check the associated card’s guide to benefits for more information.

Bottom Line:

The Wells Fargo Autograph card has car rental collision damage waiver coverage and Visa Signature Luxury Hotel Collection benefits. The Capital One Savor card has MasterRental car rental coverage and Capital One Travel benefits. Both cards have roadside dispatch services and do not charge foreign transaction fees (rates & fees of the Capital One Savor card).

Shopping Protections and Benefits

When something goes wrong with an eligible item purchased with your card, shopping protections could provide coverage to make things whole again.

With shopping benefits, you could save money on eligible purchases.

Here are the shopping benefits of the Wells Fargo Autograph card and Capital One Savor card and those unique to each card:

• Introductory 0% APR on Purchases: If you have large, or multiple eligible purchases to make, you may be able to repay them over time without interest charges with a 0% APR.
  • Wells Fargo Autograph Card: 0% intro APR for 12 months from account opening on purchases, 19.49%, 24.49%, or 29.49% variable APR thereafter (rates & fees).
  • Capital One Savor Card: 0% intro APR on purchases for 15 months; 19.49% - 29.49% variable APR after that; balance transfer fee applies (rates & fees).

Wells Fargo Autograph Card

• Cell Phone Protection: Pay for your monthly bill with your card to receive protection for damage or theft. There is a $600 limit per claim, a limit of 2 claims each 12 months (up to a limit of $1,200), and a $25 deductible per claim.
• My Wells Fargo Deals: Find offers from select merchants and service providers by logging in to your online card account. Choose the offers you wish to use, make the required purchase, and earn additional rewards.
• Wells Fargo Exclusives: Cardmembers receive access to exclusive live events and are eligible to purchase up to 6 tickets per event.

Capital One Savor Card

• Extended Warranty: Eligible items purchased with your card could receive double the manufacturer’s warranty for up to 24 additional months on items with a manufacturer’s warranty of 24 months or less.
• Purchase Assurance: Receive up to $1,000 for reimbursement, repair, or replacement of an eligible item purchased with your card. Coverage is for 90 days from the date of purchase and a limit of $25,000 per cardholder per 12 months.
• Capital One Shopping: This free browser extension automatically applies available coupons to your purchases at checkout. It also lets you know if an item you purchased goes down in price.

Bottom Line:

The Wells Fargo Autograph card and Capital One Savor card have introductory 0% APR offers on eligible purchases (terms apply). The Wells Fargo Autograph card offers cell phone protection, while the Capital One Savor card has production protections, including extended warranty and purchase assurance. Both of our featured cards have shopping offers.

Additional Benefits: Introductory 0% APR on Balance Transfers

If you have high-interest (non-Capital One) credit card balances and would like to pay back those balances over time without interest charges, utilizing an introductory 0% APR for balance transfers may be of value.

The Capital One Savor card has an introductory balance transfer offer.

• 0% intro APR on balance transfers for 15 months; after that, a 19.49% - 29.49% variable APR applies. Balance transfer fee applies (rates & fees). There is a transfer fee of 3% of the amount of the transferred balance during the first 15 months.

Annual Fees and Authorized Users

It’s important to understand any associated card fees you might encounter.

The Wells Fargo Autograph card has a $0 annual fee (rates & fees). The Capital One Savor card also has a $0 annual fee (rates & fees).

Neither card charges an additional fee to add authorized users or foreign transaction fees (rates & fees of the Capital One Savor card).

Final Thoughts

The Wells Fargo Autograph card and Capital One Savor card earn well on select everyday purchases. The Wells Fargo Autograph card could work well for those who travel, while the Capital One Savor card could fit a foodie’s lifestyle.

At redemption time, you’ll have more options with the Wells Fargo Autograph card. The card’s access to transfer rewards directly to airline and hotel partners increases the potential value of your rewards. The Capital One Savor card does not have this direct transfer option.

If you have a Capital One miles-earning card, you can transfer rewards earned on the Capital One Savor card to those cards and have access to transfer partners.

If you have large or multiple purchases coming up, the Capital One Savor card may have the edge. The card offers up to 15 months for repayment with its 0% APR, while the Wells Fargo Autograph card has up to 12 months for its 0% APR.

The Capital One Savor card also offers an introductory 0% APR on balance transfers. This offer may benefit those with high-interest credit card balances.