Head to head
Capital One SavorOne Cash Rewards vs Wells Fargo Active Cash Card
Capital One SavorOne Cash Rewards leads 3 to 0 on the 3 rankable specs. Most of the 10 attributes tracked here are descriptive rather than numeric.
Catalog as of September 1, 2026
Why, in numbers
Swap
Compare a different credit card
Citi Double Cash Card$0/yrChase Freedom Unlimited$0/yrBilt World Elite Mastercard$0/yrChase Freedom Flex$0/yrDiscover it Cash Back$0/yrBlue Cash Everyday Card from American Express$0/yrChase Sapphire Preferred Card$95/yrCapital One Venture Rewards Credit Card$95/yrBlue Cash Preferred Card from American Express$95/yrCiti Strata Premier Card$95/yrAmerican Express Gold Card$325/yrCapital One Venture X Rewards$395/yrChase Sapphire Reserve$550/yrThe Platinum Card from American Express$695/yrSwap
Compare a different credit card
Citi Double Cash Card$0/yrChase Freedom Unlimited$0/yrBilt World Elite Mastercard$0/yrChase Freedom Flex$0/yrDiscover it Cash Back$0/yrBlue Cash Everyday Card from American Express$0/yrChase Sapphire Preferred Card$95/yrCapital One Venture Rewards Credit Card$95/yrBlue Cash Preferred Card from American Express$95/yrCiti Strata Premier Card$95/yrAmerican Express Gold Card$325/yrCapital One Venture X Rewards$395/yrChase Sapphire Reserve$550/yrThe Platinum Card from American Express$695/yrBuying for
Straight answer
Overall: 3 to 0
Buy the Capital One SavorOne Cash Rewards.
- Leads 3 of 3 rankable overall specs.
- Rewards rate: 3% dining, entertainment, popular streaming… vs Unlimited 2% cash rewards on purchases
- Regular APR: 19.24% – 29.24% Variable APR vs 20.24%, 25.24%, or 29.99% Variable APR
- Same annual fee, so the spec lead is the whole story.
At a glance
The handful of numbers that decide most purchases in this category.
Annual feesame
Capital One
$0
Wells Fargo
$0
Rewards rate
Capital One
3% dining, entertainment, popular streaming & grocery stores; 1% all other purchases
Wells Fargo
Unlimited 2% cash rewards on purchases
The 90-Day Owner Regret Check
Documented ergonomic quirks, hardware annoyances, and maintenance realities reported by real owners.
Capital One: What to watch for
- Maintenance
Requires ongoing care to maintain peak out-of-box performance.
Wells Fargo: What to watch for
- Maintenance
Requires ongoing care to maintain peak out-of-box performance.
Fees & Rates
leads 2-0| Annual fee | $0 | $0 |
|---|---|---|
| Regular APR | 19.24% – 29.24% Variable APR (wins this row: lower) | 20.24%, 25.24%, or 29.99% Variable APR |
| Foreign transaction fee | None (0%) (wins this row: lower) | 3% of each transaction in U.S. dollars |
| Late fee | Up to $40 | Up to $40 |
Rewards & Perks
leads 1-0| Rewards rate | 3% dining, entertainment, popular streaming & grocery stores; 1% all other purchases (wins this row: higher) | Unlimited 2% cash rewards on purchases |
|---|---|---|
| Sign-up bonus | $200 cash bonus after spending $500 in first 3 months | $200 cash rewards bonus after spending $500 in purchases in the first 3 months |
| Intro APR offer | 0% intro APR on purchases and balance transfers for 15 months | 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers |
| Lounge access | No (No airport lounge access) | No |
Card Details
1 differences| Credit neededOur summary | Good to Excellent (670–850) | Good to Excellent (670–850) |
|---|---|---|
| Network | Mastercard | Visa Signature |
Which one should you buy
Pick this one if
Capital One SavorOne Cash Rewards
No-annual-fee cash back credit card offering unlimited 3% cash back on dining, entertainment, grocery stores, and streaming.
- $0 annual fee and no foreign transaction fees
- Unlimited 3% cash back on dining, entertainment, grocery stores, and popular streaming
- 0% intro APR on purchases and balance transfers for 15 months
What you give up
- No airport lounge access or luxury travel perks
- Requires Good to Excellent credit score
Pick this one if
Wells Fargo Active Cash Card
Unlimited 2% cash rewards on purchases with $0 annual fee and cell phone protection up to $600.
- Unlimited 2% flat cash rewards on all purchases with no categories to track
- Up to $600 cellular telephone protection against damage or theft (subject to $25 deductible)
- 0% intro APR on purchases and qualifying balance transfers for 15 months
What you give up
- 3% foreign transaction fee
- Lacks bonus multiplier categories for high spenders in dining or travel
Best for each use
Travel
For travel, buy the Capital One SavorOne Cash Rewards.
Everyday cash back
For everyday cash back, buy the Capital One SavorOne Cash Rewards.
Carrying a balance
Too close to call on carrying a balance from the spec sheets. Only regular apr is rankable here.
Done deciding?
Open the full standalone spec sheet for either device.
Manufacturer pages: Capital One SavorOne Cash Rewards ↗ · Wells Fargo Active Cash Card ↗
Common questions
Which card has the lower annual fee, Capital One SavorOne Cash Rewards or Wells Fargo Active Cash Card?
Both charge the same annual fee.
What is the biggest catch with the Capital One SavorOne Cash Rewards or Wells Fargo Active Cash Card?
Wells Fargo Active Cash Card has this deal-breaker: foreign transaction fee. Adds about 3% to every purchase abroad.
Which is better for travel, the Capital One SavorOne Cash Rewards or the Wells Fargo Active Cash Card?
For travel, buy the Capital One SavorOne Cash Rewards. Leads 2 of 2 rankable travel specs. Rewards rate: 3% dining, entertainment, popular streaming… vs Unlimited 2% cash rewards on purchases
What cannot be compared from spec sheets?
Of the 10 specs tracked here, 7 are descriptive and cannot be ranked on numbers alone. Spec sheets also cannot measure subjective factors like build quality, real-world performance, or comfort.