Capital One Savor vs Wells Fargo Active Cash®
Side-by-side comparison
| Capital One Savor | Wells Fargo Active Cash® | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $200 cash rewards bonus | |
| Dining | 3x | 2x |
| Groceries | 3x | 2x |
| Gas | 1x | 2x |
| Travel | 1x | 2x |
| Streaming | 3x | 2x |
| Everything else | 1x | 2x |
| Est. yearly rewards* | $484 | $583 |
| Points type | Pools with Capital One → transferable | Pools with Wells Fargo → transferable |
| Network | Mastercard | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the Capital One Savor earns about $484 a year in rewards and the Wells Fargo Active Cash® about $583, valuing every point at a flat 1 cent. The Capital One Savor has no annual fee, so its rewards are all profit. The Wells Fargo Active Cash® has no annual fee, so its rewards are all profit. Counting rewards and any credits, the Wells Fargo Active Cash® delivers more total value, about $100 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and gas. Both earn points that only unlock airline and hotel transfers once you pair them with a premium card in the same family, so it comes down to which ecosystem you are building: Capital One for the Capital One Savor, Wells Fargo for the Wells Fargo Active Cash®. On the sign-up bonus, the Capital One Savor currently has the larger welcome offer (a limited-time offer above its usual amount, so treat it as a one-time boost). A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Capital One Savor if your spending leans toward dining, groceries, streaming. Pick the Wells Fargo Active Cash® if your spending leans toward gas, travel, everything else.