Capital One SavorOne vs Wells Fargo Autograph℠
Side-by-side comparison
| Capital One SavorOne | Wells Fargo Autograph℠ | |
|---|---|---|
| Annual fee | $39 | No annual fee |
| Welcome offer | No current offer | 20,000 bonus points ($200 value) |
| Dining | 3x | 3x |
| Groceries | 3x | 1x |
| Gas | 1x | 3x |
| Travel | 1x | 3x |
| Streaming | 3x | 3x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $484 | $457 |
| Points type | Pools with Capital One → transferable | Transfers to airlines & hotels |
| 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 SavorOne earns about $484 a year in rewards and the Wells Fargo Autograph℠ about $457, valuing every point at a flat 1 cent. The Capital One SavorOne charges $39, which you clear through its rewards and perks. The Wells Fargo Autograph℠ has no annual fee, so its rewards are all profit. The two are close on value, but the Wells Fargo Autograph℠ edges ahead by about $13 a year, mostly because it earns more where you spend most, on gas and travel. Both earn transferable points rather than flat cash, so the deciding factor is whose transfer partners reach the airlines and hotels you would actually book. On the sign-up bonus, the Wells Fargo Autograph℠ currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Capital One SavorOne if your spending leans toward groceries. Pick the Wells Fargo Autograph℠ if your spending leans toward gas, travel.