Head-to-head · 🇺🇸 United States
Capital One Venture vs Wells Fargo Autograph
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
Capital One
Capital One Venture
VISA
Wins 2 of 10
US
Wells Fargo
Wells Fargo Autograph
VISA
Wins 2 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 Venture | Wells Fargo Autograph |
|---|---|---|
| Annual fee | · $95 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 5% (travel) | · 3% (travel) |
| Base reward rate | 2% | · 1% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 75,000 miles after $4,000 in first 3 months (~$750 in travel) | = 20,000 bonus points after $1,000 spend in 3 months |
| Fee waiver threshold | = No waiver | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | · 700 | 670 |
| Editorial rating | = 4.4/5 | = 4.4/5 |
Benefits compared
Capital One Venture
- 2x miles on every purchase
- 5x miles on hotels and rental cars booked via Capital One Travel
- Up to $100 credit for Global Entry/TSA PreCheck
- Transfer miles to 15+ airline/hotel partners
- No foreign transaction fees
- Two complimentary visits/year to Capital One Lounges
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 Venture vs Wells Fargo Autograph: which is better?
It's a true tie — pick the one whose boost categories match your spend. Capital One Venture wins on 2 criteria, Wells Fargo Autograph on 2.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Capital One Venture 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 Venture: 75,000 miles after $4,000 in first 3 months (~$750 in travel). Wells Fargo Autograph: 20,000 bonus points after $1,000 spend in 3 months.