Capital One Savor 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 offers strong rewards across a wide range of common spending categories, from travel to transit.
• It’s also a great travel companion, offering the ability to transfer points to travel partners and no fees on foreign transactions.
• Cardholders receive valuable perks like cell phone protection when paying their monthly bill with the card.

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Pros

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• No annual fee to weigh against your rewards earnings.
• Flexible rewards program that includes the option to transfer points to travel partners.
• Comes with useful perks like cell phone protection and no foreign transaction fees.

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Cons

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• Lacks premium travel perks like airport lounge access or credits for expedited screening programs.
• You'll need to track spending to maximize rewards in bonus categories.
• The list of travel transfer partners is less extensive than what some competing rewards programs offer.

Wells Fargo Autograph vs Capital One Savor Cash Rewards

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Categories

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The question of which is better, Capital One Savor or Wells Fargo Autograph, often comes down to your primary spending categories.

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• Capital One Savor Cash Rewards is best for consumers whose spending is concentrated on dining and entertainment. The card also rewards purchases at grocery stores and on popular streaming services.
• Wells Fargo Autograph® Card is a strong choice for earning on a wide range of everyday and travel purchases. Its top categories include restaurants, travel and transit, gas stations, streaming services, and phone plans.

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Redemption

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Capital One Savor Cash Rewards: Rewards earned with this card can be redeemed for cash back in the form of a statement credit or a check, offering a straightforward way to access your earnings.

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Wells Fargo Autograph® Card: This card earns points that provide flexible redemption options, allowing you to redeem for cash back, travel, gift cards, and more through the rewards portal.

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Compare Top Rated Credit Cards with Kudos

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Kudos is a financial technology platform that helps you compare nearly 3,000 credit cards to find the best match for your spending habits.

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• Use the 'Test Drive' feature to simulate your potential earnings with any card using your real transaction data—before you apply and without a hard credit pull.
• Receive a detailed analysis of your approval odds based on your credit report.
• Take advantage of a welcome offer guarantee, where Kudos will match a better offer if you find one within three months of approval.
• Stack rewards by earning extra Kudos Boost rewards on top of your card’s regular earnings when shopping at participating stores.

Who Should Choose the Capital One Savor Cash Rewards?

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The Capital One Savor Cash Rewards card is an excellent choice for urban professionals and active families whose spending is concentrated on going out. It’s designed for those who can maximize the unlimited 3% cash back on dining, entertainment, popular streaming services, and at grocery stores. With no annual fee and no foreign transaction fees, it also appeals to travelers and anyone who wants to earn straightforward cash back rewards without extra costs.

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 on everyday purchases without paying an annual fee. It's particularly valuable for individuals whose spending is concentrated in common categories like restaurants, travel, gas, transit, and popular streaming services, as noted in a NerdWallet review. Thanks to its simple points system and lack of foreign transaction fees, it works well as a primary, 'set-and-forget' card for both seasoned travelers and those new to the world of travel rewards.

Alternatives to Consider

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If you've weighed the Capital One Savor vs. Wells Fargo Autograph comparison and neither card feels quite right, don't fret. There are plenty of other great rewards cards out there that could be a perfect match.

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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 – Good to excellent credit is typically required for approval.
• Plan your spending – Ensure you can meet any welcome offer spending requirements naturally.
• Know the benefits – Understand the card’s reward categories to see if they match your lifestyle.

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Application Strategy

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• Review issuer-specific application rules – Be aware of any restrictions that could affect your approval for a new card.
• Look for pre-approval opportunities – Many issuers let you check your eligibility without impacting your credit score.
• Time your application strategically – Applying before a large planned purchase can help you meet spending requirements.

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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Do the rewards on the Capital One Savor or Wells Fargo Autograph expire?

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The cash back rewards on the Capital One Savor card do not expire for the life of the account. Similarly, the points earned with the Wells Fargo Autograph card do not expire as long as your account remains open.

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What credit score do I need for the Capital One Savor or Wells Fargo Autograph?

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Both the Capital One Savor and Wells Fargo Autograph cards are generally recommended for applicants with good to excellent credit. This typically means a FICO score of 670 or higher, although other factors are also considered during the approval process.

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Are there any foreign transaction fees with these cards?

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Neither the Capital One Savor card nor the Wells Fargo Autograph card charges foreign transaction fees. This makes both of them solid choices for making purchases outside of the United States.

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