Capital One QuicksilverOne vs Wells Fargo Autograph: Which Is Better In 2026?

Wells Fargo Autograph Breakdown

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Why We Like It

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Here’s a closer look at why we’re fans of this card.

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• The Wells Fargo Autograph® Card is a versatile option that earns rewards on both travel and a wide range of everyday spending categories.
• It offers flexible points that can be transferred to travel partners, a rare feature for a card at this level.
• The card is a great companion for international travel, saving you from extra charges on purchases abroad.

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Pros

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• Features a simple rewards structure that earns on a broad range of everyday spending categories.
• Offers the ability to transfer points to a selection of airline and hotel travel partners, a valuable feature for maximizing rewards.
• Includes valuable benefits like cell phone protection when you pay your bill with the card.

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Cons

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• Lacks premium travel benefits like airport lounge access or credits for expedited security screening.
• Bonus rewards are limited to specific categories, which requires cardholders to track their spending.
• The list of airline and hotel transfer partners is less extensive than what some competing programs offer.

Wells Fargo Autograph vs Capital One QuicksilverOne Cash Rewards

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Categories

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Deciding which is better, Capital One QuicksilverOne or Wells Fargo Autograph, depends entirely on your financial goals and spending habits. Each card excels in a different area, catering to distinct types of consumers.

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• Capital One QuicksilverOne Cash Rewards: This card is best for credit builders, offering a straightforward way for those with average credit to earn rewards while improving their credit score.
• Wells Fargo Autograph: Best categorized as a travel card, its rewards structure is also highly useful for a variety of everyday spending categories.

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Redemption

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Capital One QuicksilverOne Cash Rewards: This card offers simple, no-fuss cash back rewards that can be redeemed in several ways, including as a statement credit or a check.

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Wells Fargo Autograph: The Autograph card earns points that provide flexible redemption options, which can be used for travel, cash back, gift cards, and more.

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Compare Top Rated Credit Cards with Kudos

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A data-driven card explorer tool like Kudos can help you compare nearly 3,000 credit cards, eliminating the guesswork by providing personalized recommendations based on your spending.

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• The ‘Test Drive’ feature lets you simulate your potential earnings with any card using your real spending data before you apply.
• Get a detailed analysis of your approval odds based on your credit report.
• Receive a welcome offer guarantee, where Kudos will match a better offer if you find one within three months.
• Unlock a $100 Kickstart+ reward for adding select approved cards to your Kudos Wallet.
• Discover new cards with personalized matching based on your spending history.

Who Should Choose the Capital One QuicksilverOne Cash Rewards?

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The Capital One QuicksilverOne Cash Rewards card is an excellent tool for individuals with average credit who are focused on building their credit history while earning rewards. It’s particularly well-suited for everyday spenders seeking a simple rewards structure, as it offers unlimited 1.5% cash back on every purchase without rotating categories. Furthermore, the card is a strong contender for international travelers, thanks to having no foreign transaction fees, and for entertainment lovers who can take advantage of the Capital One Entertainment platform.

Who Should Choose the Wells Fargo Autograph?

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The Wells Fargo Autograph® Card is an excellent choice for consumers who want to earn travel rewards without the commitment of an annual fee. It's particularly well-suited for individuals whose everyday spending is concentrated in popular categories like dining, travel, gas, transit, streaming services, and phone plans, as it offers a high rewards rate on these purchases. Those with good to excellent credit who are new to the world of travel rewards will find its straightforward points system especially appealing.

Alternatives to Consider

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If the Capital One QuicksilverOne vs. Wells Fargo Autograph comparison left you undecided, don't fret. Several other cards offer compelling rewards and benefits that might be a better match for your wallet.

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_{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}

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Tips for Application Success

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Before You Apply

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• Check your credit score. Requirements range from average to excellent credit.
• Plan your spending. Ensure you can naturally meet any minimum spend requirement to earn a welcome offer.
• Review issuer rules. Some issuers limit welcome offer eligibility for existing cardmembers.

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Application Strategy

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• Time your application. Align your application with large planned purchases to help meet spending requirements.
• Use the right tools. Some application paths let you see your offer before a hard credit check.
• Don’t settle for a lower offer. If you aren't approved for the best offer, you can sometimes decline and try again later.

Our Methodology

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We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.

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Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.

Frequently Asked Questions

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Which card is better for building credit?

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The Capital One QuicksilverOne Cash Rewards Credit Card is specifically designed for those with fair or average credit, making it a strong choice for credit-building. The Wells Fargo Autograph℠ Card generally requires good to excellent credit for approval.

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Do either of these cards have an annual fee?

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The Capital One QuicksilverOne card has a $39 annual fee. In contrast, the Wells Fargo Autograph card has no annual fee.

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What are the main reward categories for the Wells Fargo Autograph card?

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The Wells Fargo Autograph card earns unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans. All other purchases earn 1X points.

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Can I upgrade my Capital One QuicksilverOne card to a different Capital One card?

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Yes, Capital One may offer product change opportunities to cardholders who demonstrate responsible use over time. You might be able to upgrade to a card with no annual fee, like the Quicksilver, once your credit improves.

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