Wells Fargo Autograph Card vs. Capital One SavorOne


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Wells Fargo recently launched the Wells Fargo Autograph Card. It’s a rewards credit card that helps you earn 3x on categories like restaurants, travel, gas stations, public transportation, popular streaming services, and phone plans.

Is the menu worth it for people who often dine out? After all, other rewards cards offer the ability to earn rewards for restaurant purchases, such as the Capital One SavorOne card. This Wells Fargo Autograph vs Capital One SavorOne compares the two cards to help you decide which is best for you.

Wells Fargo Autograph Card Overview

Here are some of the key points of the Wells Fargo Autograph Card.


The inconvenients

  • Good to excellent credit required

Capital One SavorOne card

Here are the main advantages and disadvantages of the Capital One SavorOne card.


  • $0 annual fee
  • 3% cash back on restaurants, entertainment, popular streaming services and grocery stores (excluding supermarkets like Walmart® and Target®)
  • $200 cash bonus after spending $500 on purchases in the first three months
  • 5% cash back on hotels and rental cars booked through Capital One Travel (conditions apply)
  • Redeem rewards on Amazon.com, PayPal, cash and through Capital One Entertainment and Travel.

The inconvenients

  • Good to excellent credit required

Wells Fargo Autograph vs. Capital One SavorOne: Comparison

Now that you have a better idea of ​​how each card works, it’s time to take a look at how the two cards compare.

Sign-up bonus

How attractive is each card’s offer? Start with the Wells Fargo Autograph card. You will receive 30,000 bonus reward points after spending $1,500 within the first three months of approval. Based on the Wells Fargo Rewards site, points are worth about a penny per point, for a cash redemption value of $300.

As for the Capital One SavorOne card, you will receive a $200 cash bonus after spending $500 on purchases in the first three months. The Capital One SavorOne card has a much lower spending threshold but Wells Fargo offers a higher bonus. If you can spend more than the required $1,500 for the Wells Fargo Autograph card in three months, this is the best bonus option for you. If you’re spending more modestly, the SavorOne option is probably your best bet.


When comparing Wells Fargo Autograph and Capital One SavorOne cards for fees, the two are tied in this category. Neither card comes with an annual fee, saving you money over time. Neither card charges foreign transaction fees, which is good news for international travelers.

Earn rewards

When it comes to rewards, the two cards are also closely related. Both cards offer the chance to earn 3X rewards on popular dining and streaming services, making either card a great option for foodies. The SavorOne Card also offers 3X ​​on groceries and entertainment and 5X on travel taken and paid for through Capital One Travel. On the other hand, the Wells Fargo Autograph card offers 3X ​​on gas station purchases, travel, and public transportation.

The SavorOne card beats the Autograph card when it comes to travel rewards potential if booked through Capital One Travel. For frequent diners, choose the SavorOne if you plan to eat out and shop for groceries regularly when booking travel through Capital One. Otherwise, the Autograph Card is ideal for frequent restaurant patrons who also regularly spend on gas and gas station purchases.

Redeem rewards

When it comes to redeeming cashback, each card has its methods as well.

From the Capital One SavorOne card, you can redeem:

  • As reporting credits
  • On purchases on Amazon.com
  • On PayPal purchases
  • Through Capital One Travel or Entertainment
  • Thanks to lively seats
  • Gift cards

You can redeem Wells Fargo Autograph Points:

  • Thanks to my Wells Fargo offers.
  • Statement credits for meals, purchases or experiences.
  • Wells Fargo Rewards® platform to enable redemption of further points.
  • Other redemption options include cash, charitable donations, merchandise, gift cards, or travel expenses.
  • Points can only be redeemed in increments of $25 or $2,500 and added to your checking or savings account. You can also redeem through Wells Fargo credit cards which accept cash redemption and also by check.
  • Points can be redeemed at Wells Fargo ATMs in $20 or $2,000 increments.

Right now, the two redemption options for Capital One and Wells Fargo are pretty comparable.

Wells Fargo Autograph vs. Capital One SavorOne: Which is Right for You?

When evaluating Wells Fargo Autograph vs. Capital One SavorOne credit cards, both are great no-annual-fee options for frequent diners. You’ll earn 3X on restaurant purchases that can be redeemed for cash back, travel and more.

However, Capital One also lets you earn 3X on purchases at grocery stores while Wells Fargo offers 3X ​​on purchases at gas stations. Plus, Capital One boosts points with 5X on purchases through Capital One Travel.

If you regularly dine out and need gas, the Wells Fargo Autograph might be your best bet. Plus, Wells Fargo offers cell phone reimbursement coverage of up to $600 per year if your phone is lost, stolen, or damaged (subject to a $25 deductible). If most of your expenses revolve around groceries, restaurants, and travel, you may benefit more from the SavorOne card.


When choosing a credit card that rewards you for dining out regularly, Capital One Savor One and Wells Fargo Autograph are good options. Keep in mind that credit history can play a role. Both cards require good to excellent credit for approval.

Wells Fargo Autograph Card vs. Capital One SavorOne FAQ

Here are answers to some of the most frequently asked questions about these two different cards and issuers.

  • What is better Capital One or Wells Fargo?
    • Capital One offers a more comprehensive range of card benefits and travel-related reimbursement options than Wells Fargo. However, Wells Fargo offers a higher welcome bonus and offers additional categories that pay 3x rewards.
  • What is the highest credit limit for Capital One SavorOne?
    • According to Capital One, you will need good to excellent credit to be approved for the SavorOne card. People with excellent credit generally receive higher credit limits. Some users have reported a credit limit of up to $20,000.
  • What type of card is Capital One SavorOne?
    • The Capital One SavorOne Card is a cash back credit card that offers 3X ​​on restaurants, groceries and streaming subscriptions.

Rates are subject to change; unless otherwise specified, prices are updated periodically. All other promotion information is accurate as of July 13, 2022. Additional requirements may apply. Offers and conditions are subject to change.

Editorial Note: This content is not provided by Wells Fargo or Capital One. Any opinions, analyses, criticisms, evaluations or recommendations expressed in this article are those of the author alone and have not been reviewed, endorsed or otherwise endorsed by Wells Fargo or Capital One.


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