Both cards earn 3x/3% across everyday categories, but they're no longer aimed at the same reader. Wells Fargo Autograph is a $0-annual-fee card earning 3x points across six broad categories — restaurants, travel, gas/EV charging, transit, popular streaming, and phone plans. Capital One SavorOne, relaunched in October 2024, now carries a $39 annual fee and targets fair credit (roughly 580-669), earning 3% cash back on dining, entertainment, popular streaming, and grocery stores. The real question isn't just which earns more — it's which credit tier and category mix actually fits you.
Scored against our published methodology · Updated July 17, 2026
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Wells Fargo
Everyday drivers and broad spenders who want 3x points across six categories — gas and EV charging, travel, dining, transit, streaming, and phone plans — at a $0 annual fee and no foreign transaction fee.
Find your match
Capital One
Fair-credit applicants (roughly 580-669) who eat out and stream a lot — 3% cash back on dining, entertainment, popular streaming, and grocery stores, plus 8% on Capital One Entertainment purchases and 5% on hotels/rental cars booked through Capital One Travel, for a $39 annual fee and no foreign transaction fee.
Find your matchBest for — by the numbers
Per-spec leads are computed from each issuer's published facts and our scored methodology — there is no single overall winner. Reviewed July 17, 2026. ClearValue Cards earns compensation solely through our CardRatings partnership, paid when a reader clicks out to CardRatings from our match tool. This compensation does not influence editorial scoring or ordering.
| Spec | Wells Fargo Autograph | Capital One SavorOne Cash Rewards |
|---|---|---|
| Annual fee | $0 | $39 |
| 0% intro APR period | None | None |
| Foreign transaction fee | None | None |
| Rewards score | 17/20 | 17/20 |
| Fee-structure score | 20/20 | 13/20 |
| ClearValue score | 86/100 | 79/100 |
A check marks the card that leads that spec on published figures. Rows with no marker are either tied or judgment calls (fee wording, late-fee terms) where a single "winner" wouldn't be honest to the data.
Tap the spec you care about — we'll show which card leads on it.
For Annual fee, the Wells Fargo Autograph leads ($0).
Good-to-excellent-credit readers who want broad, uncapped 3x earning across travel, gas, dining, transit, streaming, and phone plans at $0/yr
Six bonus categories with no annual fee is hard to beat for a driver or light traveler with steady everyday spend — gas/EV charging and transit are categories SavorOne doesn't reward at all. Redemption is the tradeoff: Wells Fargo's transfer-partner program (Choice, Air France-KLM Flying Blue, Avianca LifeMiles, British Airways, Aer Club, Iberia) only launched in April 2024 and is thinner than Chase or Amex, so most people will redeem closer to 1 cent per point rather than optimizing transfers.
See your matchesFair-credit applicants (roughly 580-669) whose spend concentrates in dining, groceries, entertainment, and streaming and who don't yet qualify for a no-fee alternative
SavorOne is now positioned as Capital One's accessible-credit entry point rather than a free everyday card — 3% on dining, entertainment, popular streaming, and grocery stores, plus 8% on Capital One Entertainment purchases and 5% on hotels/rental cars booked through Capital One Travel. The $39 fee needs roughly $1,300/yr in bonus-category spend to clear, and there's no welcome bonus to offset it, so it only makes sense if Autograph's credit bar is currently out of reach.
See your matchesTravelers chasing real transfer-partner value beyond occasional hotel or rental-car bookings — Autograph's partner list is newer and thinner than Chase Ultimate Rewards or Amex Membership Rewards, and SavorOne has no transfer partners at all. Anyone optimizing for airline miles should look at a dedicated transfer-currency card instead.
Answer a few questions about how you spend and we'll point you to the cards that actually fit — no guesswork.
Take the 60-second quizAnnual fee
Wells Fargo Autograph: $0
Capital One SavorOne Cash Rewards: $39
Credit tier targeted
Wells Fargo Autograph: Good to excellent credit
Capital One SavorOne Cash Rewards: Fair credit (roughly 580-669)
Core bonus categories
Wells Fargo Autograph: 3x points at restaurants, travel, gas stations/EV charging, transit, popular streaming, and phone plans
Capital One SavorOne Cash Rewards: 3% cash back on dining, entertainment, popular streaming, and grocery stores (superstores excluded)
Additional bonus tiers
Wells Fargo Autograph: None beyond the six-category 3x map
Capital One SavorOne Cash Rewards: 8% cash back on Capital One Entertainment purchases; 5% cash back on hotels and rental cars booked through Capital One Travel
Grocery earning
Wells Fargo Autograph: 1x base — not an Autograph bonus category
Capital One SavorOne Cash Rewards: 3% at grocery stores (superstores like Walmart and Target excluded)
Travel & gas earning
Wells Fargo Autograph: 3x on travel and gas stations/EV charging, uncapped
Capital One SavorOne Cash Rewards: 1% base outside the four bonus categories — no dedicated travel or gas bonus
Redemption currency
Wells Fargo Autograph: Wells Fargo Rewards points — transferable to hotel/airline partners since April 2024 (Choice, Air France-KLM, Avianca, British Airways, Aer Club, Iberia)
Capital One SavorOne Cash Rewards: Straight cash back — statement credit or direct deposit, no transfer complexity
Foreign transaction fee
Wells Fargo Autograph: None
Capital One SavorOne Cash Rewards: None
Honest knock
Wells Fargo Autograph: The transfer-partner program is real but young and thin — most cardholders will redeem near 1 cent per point rather than optimizing transfers
Capital One SavorOne Cash Rewards: The name still reads like a free card, but this is now Capital One's $39, fair-credit-tier product with no welcome bonus — easy to miss if you're comparing from memory
Neither is universally better — it depends on how you spend. On our published 100-point methodology the Wells Fargo Autograph scores 86/100 (Solid pick) and the Capital One SavorOne Cash Rewards scores 79/100 (Worth considering). Good-to-excellent-credit readers who want broad, uncapped 3x earning across travel, gas, dining, transit, streaming, and phone plans at $0/yr should lean Wells Fargo Autograph; fair-credit applicants (roughly 580-669) whose spend concentrates in dining, groceries, entertainment, and streaming and who don't yet qualify for a no-fee alternative should lean Capital One SavorOne Cash Rewards. Take the 60-second quiz to see which fits your profile.
The Wells Fargo Autograph carries $0 (no annual fee), sourced from the issuer's published Schumer Box as of July 8, 2026. The Capital One SavorOne Cash Rewards carries $39, as of July 17, 2026. Fees change — confirm the current number at the issuer before you decide.
Good-to-excellent-credit readers who want broad, uncapped 3x earning across travel, gas, dining, transit, streaming, and phone plans at $0/yr tend to do better with the Wells Fargo Autograph; fair-credit applicants (roughly 580-669) whose spend concentrates in dining, groceries, entertainment, and streaming and who don't yet qualify for a no-fee alternative with the Capital One SavorOne Cash Rewards. If neither describes you cleanly, take the 60-second quiz for a match.
We score every card across five dimensions — effective rewards, fee structure, audience fit, transparency, and the weakness named — 0–20 each for a 100-point total. The Wells Fargo Autograph earned 86/100 and the Capital One SavorOne Cash Rewards earned 79/100. Scoring follows our published methodology and is never influenced by compensation.
Independent editorial comparison. ClearValue Cards is not a card issuer, a bank, or a lender. ClearValue Cards earns compensation solely through our CardRatings partnership, paid when a reader clicks out to CardRatings from our match tool. This compensation does not influence editorial scoring or ordering. Card facts are sourced from each issuer's published Schumer Box and terms — confirm current numbers at the issuer. See disclosure.
