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Capital One Savor vs. Wells Fargo Autograph: Which Is Better in 2026?
July 1, 2025
The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.
Editor's Picks
The Capital One Savor Cash Rewards Credit Card (See Rates & Fees) is our pick if your spending centers on dining, entertainment, streaming, and grocery stores.
The Wells Fargo Autograph® Card is our pick if you spend across restaurants, travel, gas, transit, streaming, and phone plans and want points with flexible redemption options.
The information for the Wells Fargo Autograph® Card has been collected independently by Kudos. The card details on this page have not been reviewed or provided by the card issuer.
Capital One Savor Cash Rewards Breakdown
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The Savor earns unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment, and popular streaming services. It also earns 5% on hotels, vacation rentals, and rental cars booked through Capital One Travel and 1% on all other purchases.
There's no annual fee and no foreign transaction fee. New cardholders get a 0% intro APR for 12 months on purchases and balance transfers, after that the variable APR will be 18.74% to 28.74%. Balance Transfer Fee applies to balances transferred at a promotional rate. Rewards don't expire for the life of the account, and you can redeem cash back for any amount.
Our Capital One Savor review covers the card in more depth.
Wells Fargo Autograph Breakdown
The Autograph earns unlimited 3X points on restaurants, travel, gas stations and EV charging, transit (including parking lots and garages), popular streaming services, and phone plans. All other purchases earn 1X points.
There's no annual fee and no foreign transaction fee. New cardholders get a 0% intro APR for 12 months from account opening on purchases, after that the variable APR will be 18.74%, 24.74%, or 28.74%. The card also includes cell phone protection of up to $600 against damage or theft, subject to a $25 deductible.
Points never expire as long as your account is open. You can redeem them for cash, travel, gift cards, and more through Wells Fargo Rewards®, or transfer them to select travel loyalty programs.
Wells Fargo Autograph vs. Capital One Savor: Head to Head
Bonus Categories
Both cards reward dining and popular streaming services, at 3% cash back on the Savor and 3X points on the Autograph. The Savor adds grocery stores and entertainment, while the Autograph adds travel, gas, transit, and phone plans.
Groceries
The Savor earns 3% at grocery stores, excluding superstores like Walmart and Target. The Autograph has no grocery category, so grocery spending earns 1X points.
Travel and Commuting
The Autograph earns 3X on travel broadly, plus gas and transit. The Savor's 5% travel rate applies only to hotels, vacation rentals, and rental cars booked through Capital One Travel.
Intro APR
Both offer 12 months of 0% intro APR on purchases. Only the Savor's intro rate also covers balance transfers.
Redemption
Savor rewards are straightforward cash back you can redeem for any amount. Autograph points offer more options, including transfers to travel loyalty programs, and Wells Fargo's own spending estimator values them at one cent each.
Compare Cards With Kudos
Kudos can help you decide with your own numbers. Free tools include Test Drive, which estimates your rewards with a card based on the spending you enter, approval odds before you apply, and Dream Wallet card recommendations.
Once you carry more than one card, the free Kudos extension recommends the card that earns the most at online checkout and can autofill it for you.
Who Should Choose the Capital One Savor?
- You spend heavily on groceries at traditional grocery stores
- You go to concerts, movies, or sporting events often
- You want simple cash back rather than points
- You want a 0% intro APR on balance transfers as well as purchases
Who Should Choose the Wells Fargo Autograph?
- You drive a lot or commute on transit and pay for parking
- You travel often and spend on airfare, hotels, and rental cars
- You want built-in cell phone protection
- You'd like the option to transfer points to travel programs
For a premium step up in the same family, see our Wells Fargo Autograph Journey review.
Alternatives to Consider
If you want one rate on everything, the Citi Double Cash® Card earns 2% cash back on purchases (1% when you buy and 1% as you pay) with no annual fee. If you want travel rewards, the Chase Sapphire Preferred® Card has a $95 annual fee and earns 5x points on travel purchased through Chase Travel℠ and 3x on dining, among other bonus categories.
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Tips for Application Success
Before You Apply
- Check your credit: Capital One lists the Savor for applicants with excellent credit.
- Check eligibility first: Capital One lets you see offers with no credit score impact before you apply.
- Match the card to your spending: Add up your monthly grocery, gas, and travel costs to see which card's categories fit.
Application Strategy
- Compare current offers: Both issuers update welcome offers over time.
- Plan your spending: Meet any welcome offer spending requirement with purchases you already planned to make.
Our Methodology
Kudos evaluates nearly 3,000 credit cards, far more than the roughly 150 cards many sites cover because they focus on cards tied to affiliate commissions. More than 95% of the cards in our Card Explorer don't pay us a commission.
We compare cards on rewards rates, fees, APRs, and benefits verified against issuer websites. You can also browse the full dataset yourself in the Kudos Card Explorer.
Frequently Asked Questions
Do the rewards on these cards expire?
Savor rewards don't expire for the life of the account. Autograph points never expire as long as your account is open.
Do these cards charge foreign transaction fees?
No. Neither the Savor nor the Autograph charges a foreign transaction fee.
Which card is better for gas?
The Autograph, which earns 3X points at gas stations and EV charging stations. The Savor earns 1% on gas.
Which card is better for groceries?
The Savor, which earns 3% at grocery stores, excluding superstores like Walmart and Target.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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