Capital One Savor vs Wells Fargo Reflect
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Capital One Savor wins 3-0. Foodies on a no-fee card — restaurants, delivery, streaming, groceries Wells Fargo Reflect is still the right call if 21-month 0% intro apr — best balance-transfer card on the market..
Side-by-side
| Criterion | Capital One Savor | Wells Fargo Reflect |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 3% (dining) | · 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | No FX fee | · 3% |
| Welcome bonus | = $200 cash bonus after $500 spend in first 3 months | = No welcome bonus — value is the long 0% APR |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | = 670 | = 670 |
| Editorial rating | 4.4/5 | · 4.3/5 |
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 Reflect
- 0% intro APR for 21 months on purchases + balance transfers
- 1% cashback on rotating bonuses (rare for Wells Fargo)
- Cell phone protection
- No annual fee
FAQ
›Capital One Savor vs Wells Fargo Reflect: which is better?
Capital One Savor wins on more dimensions (3 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 Reflect 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 Reflect: No welcome bonus — value is the long 0% APR.