Head-to-head · 🇺🇸 United States
Capital One Savor vs Wells Fargo Autograph
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
Capital One
Capital One Savor
Wins 0 of 10
US
Wells Fargo
Wells Fargo Autograph
VISA
Wins 0 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | Capital One Savor | Wells Fargo Autograph |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | = 3% (dining) | = 3% (travel) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = $200 cash bonus after $500 spend in first 3 months | = 20,000 bonus points after $1,000 spend in 3 months |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | = 670 | = 670 |
| Editorial rating | = 4.4/5 | = 4.4/5 |
Benefits compared
Capital One Savor
- 3% cashback on dining and food delivery
- 3% on entertainment (concerts, sports, streaming)
- 3% on grocery stores (excludes Walmart, Target)
- 1% on everything else
- No annual fee, no foreign transaction fees
- 8% on Capital One Entertainment bookings
Wells Fargo Autograph
- 3x on dining, travel, gas, transit, streaming, cell phone
- 1x on everything else
- No annual fee, no foreign transaction fees
- 0% intro APR for 12 months
- Cell phone protection up to $600/claim
FAQ
›Capital One Savor vs Wells Fargo Autograph: which is better?
It's a true tie — pick the one whose boost categories match your spend. Capital One Savor wins on 0 criteria, Wells Fargo Autograph on 0.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Capital One Savor for its best categories, Wells Fargo Autograph for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Capital One Savor: $200 cash bonus after $500 spend in first 3 months. Wells Fargo Autograph: 20,000 bonus points after $1,000 spend in 3 months.