Capital One Savor vs Wells Fargo Active Cash: Which Is Better In 2026?

Wells Fargo Active Cash® Breakdown

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Why We Like It

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Here’s a closer look at why we like the Wells Fargo Active Cash® Card.

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• It offers a straightforward, flat-rate cash rewards program that applies to all purchases, removing the need to track spending categories.
• Cardholders can also benefit from valuable cell phone protection, which adds a layer of security for business devices.
• New cardmembers can take advantage of an introductory APR offer on purchases and qualifying balance transfers.

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Pros

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• Features a simple rewards structure without complicated spending categories to track.
• There are no limits on the total rewards you can accumulate.
• Includes valuable cardholder perks, such as cell phone protection.

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Cons

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• It is not ideal for international business travel due to foreign transaction fees.
• Approval typically requires a good to excellent credit score.
• Cash reward redemption options are limited.

Wells Fargo Active Cash® vs Capital One Savor Cash Rewards

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Categories

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When deciding which is better Capital One Savor or Wells Fargo Active Cash, it's crucial to evaluate your spending habits, as each card is designed to reward different types of purchases.

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• Capital One Savor Cash Rewards Credit Card is designed for those who spend heavily on dining, entertainment, popular streaming services, and at grocery stores.
• Wells Fargo Active Cash® Card offers a straightforward approach, providing a flat-rate reward on all purchases, making it ideal for those who prefer simplicity over tracking spending categories.

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Redemption

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Capital One Savor Cash Rewards Credit Card: You can redeem your cash back rewards in several ways, including as a statement credit or a check. Other options, such as redeeming for gift cards or travel, may also be available, offering some flexibility.

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Wells Fargo Active Cash® Card: This card offers straightforward redemption options, allowing you to get your cash rewards as a credit to your account or a direct deposit into a qualifying Wells Fargo account. You can also redeem your rewards for cash at a Wells Fargo ATM.

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Compare Top Rated Credit Cards with Kudos

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To make the decision easier, you can use a financial companion like Kudos to compare nearly 3,000 credit cards and find the best fit for your spending habits.

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• Test drive credit cards: Before applying, you can simulate how much you would earn with a new card based on your real spending data.
• Personalized recommendations: Get suggestions for cards that are matched to your actual transaction history.
• Approval odds: Receive a detailed analysis of your chances of being approved for different cards based on your credit report.
• Welcome offer guarantee: If you find a better public welcome offer within three months of getting a card through Kudos, the platform will match it.
• Exclusive offers and rewards: Access special promotions, including a $20 sign-up bonus and a $100 Kickstart+ reward for adding select approved cards to your Kudos Wallet.
• Track spending and perks: Monitor your transactions, credit score, and card benefits in one place to get actionable insights.

Who Should Choose the Capital One Savor Cash Rewards?

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The Capital One Savor Cash Rewards Credit Card is an excellent choice for urban professionals and active families who frequently spend on dining, entertainment, and popular streaming services. It also appeals to those with substantial grocery store bills and travelers who can take advantage of the card's lack of foreign transaction fees. Ultimately, this card is best for anyone who values straightforward, unlimited cash back on everyday spending categories without the hassle of a complex rewards program or an annual fee.

Who Should Choose the Wells Fargo Active Cash®?

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The Wells Fargo Active Cash® Card is an excellent choice for small business owners who prioritize simplicity and consistent value over complex reward structures. This card is particularly well-suited for those with good to excellent credit who want to earn a straightforward, unlimited 2% cash back on all business purchases without the hassle of tracking spending categories. Additionally, business owners can leverage the introductory 0% APR period for large purchases and benefit from the included cell phone protection, which covers up to $600 per claim.

Alternatives to Consider

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Still on the fence after our Capital One Savor vs Wells Fargo Active Cash comparison? If neither the Capital One Savor Cash Rewards nor the Wells Fargo Active Cash® Card feels like the right match for your wallet, let's look at a few other top-notch alternatives.

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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: Most rewards cards require a good to excellent credit history for approval.
• Plan your spending: Ensure you can naturally meet any spending requirements to earn a potential welcome offer.
• Know the card’s strengths: Research the rewards structure and benefits to confirm they align with your spending habits.

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Application Strategy

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• Look for pre-approval tools: Many issuers let you check for offers without impacting your credit score.
• Time your application wisely: Applying before a large planned purchase can help you meet a spend requirement.
• Leverage banking relationships: Some issuers may consider your existing history with them during the application process.

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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What are the annual fees for the Capital One Savor and Wells Fargo Active Cash cards?

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The Capital One Savor Rewards card typically comes with an annual fee, whereas the Wells Fargo Active Cash Card does not have one.

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What credit score do I need for these cards?

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While requirements can vary, both the Capital One Savor and Wells Fargo Active Cash cards generally require a good to excellent credit score for approval.

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Do the rewards on the Savor and Active Cash cards expire?

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Your cash back rewards on both cards will not expire as long as your account remains open and in good standing.

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