Wells Fargo Autograph vs Capital One Venture X
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Capital One Venture X wins 3-2. Premium travel — $395 fee easily offset by $300 travel credit + 10K anniversary miles. Wells Fargo Autograph is still the right call if no-fee 3x on six categories — broader than most no-fee competitors..
Side-by-side
| Criterion | Wells Fargo Autograph | Capital One Venture X |
|---|---|---|
| Annual fee | No annual fee | · $395 |
| Joining fee | = None | = None |
| Top reward rate | · 3% (travel) | 10% (travel) |
| Base reward rate | · 1% | 2% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 20,000 bonus points after $1,000 spend in 3 months | = 75,000 miles after $4,000 spend in first 3 months |
| Fee waiver threshold | = N/A (no fee) | = No waiver |
| Min income | = — | = — |
| Min credit score | 670 | · 720 |
| Editorial rating | · 4.4/5 | 4.7/5 |
Benefits compared
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
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
FAQ
›Wells Fargo Autograph vs Capital One Venture X: which is better?
Capital One Venture X wins on more dimensions (3 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 Wells Fargo Autograph for its best categories, Capital One Venture X for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Wells Fargo Autograph: 20,000 bonus points after $1,000 spend in 3 months. Capital One Venture X: 75,000 miles after $4,000 spend in first 3 months.