Capital One Savor vs Wells Fargo Bilt Mastercard
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Wells Fargo Bilt Mastercard wins 1-0. Pay rent without fees — only no-fee card that earns points on rent. Capital One Savor is still the right call if foodies on a no-fee card — restaurants, delivery, streaming, groceries.
Side-by-side
| Criterion | Capital One Savor | Wells Fargo Bilt Mastercard |
|---|---|---|
| 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 | = No welcome bonus — value lives in rent payments |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | = 670 | = 670 |
| Editorial rating | · 4.4/5 | 4.5/5 |
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 Bilt Mastercard
- 1x points on rent (up to 100K points/year, no transaction fee)
- 3x on dining
- 2x on travel
- 1x on everything else
- Transfer to 14 airline + hotel partners
- No annual fee, no foreign transaction fees
FAQ
›Capital One Savor vs Wells Fargo Bilt Mastercard: which is better?
Wells Fargo Bilt Mastercard wins on more dimensions (1 vs 0). 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 Capital One Savor for its best categories, Wells Fargo Bilt Mastercard 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 Bilt Mastercard: No welcome bonus — value lives in rent payments.