Capital One Venture X vs Wells Fargo Reflect
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Capital One Venture X wins 4-2. Premium travel — $395 fee easily offset by $300 travel credit + 10K anniversary miles. 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 Venture X | Wells Fargo Reflect |
|---|---|---|
| Annual fee | · $395 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 10% (travel) | · 1% (general) |
| Base reward rate | 2% | · 1% |
| Forex markup | No FX fee | · 3% |
| Welcome bonus | = 75,000 miles after $4,000 spend in first 3 months | = No welcome bonus — value is the long 0% APR |
| Fee waiver threshold | = No waiver | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | · 720 | 670 |
| Editorial rating | 4.7/5 | · 4.3/5 |
Benefits compared
Capital One Venture X
- 10x miles on hotels + rental cars via Capital One Travel
- 2x miles on every purchase
- $300 annual Capital One Travel credit
- 10,000 miles anniversary bonus (worth $100)
- Unlimited Priority Pass + Capital One Lounges access
- Up to $100 Global Entry/TSA PreCheck credit
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 Venture X vs Wells Fargo Reflect: which is better?
Capital One Venture X wins on more dimensions (4 vs 2). 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 Venture X 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 Venture X: 75,000 miles after $4,000 spend in first 3 months. Wells Fargo Reflect: No welcome bonus — value is the long 0% APR.