Dedicated comparison page

Capital One SavorOne Cash Rewards vs Wells Fargo Active Cash Card

Capital One SavorOne Cash Rewards vs Wells Fargo Active Cash Card on Luminxo. Compare annual fees, rewards, welcome offers, credit requirements, and who each card is best for.

Lowest annual feeCapital One SavorOne Cash RewardsNo annual fee
Highest reward rateCapital One SavorOne Cash Rewards5.0%
Lowest starting credit rangeCapital One SavorOne Cash Rewards670+

Quick Take

Capital One SavorOne Cash Rewards

by Capital One

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Capital One SavorOne Cash Rewards is a dining card from Capital One with no annual fee, earn a one-time $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening, and fair to good credit.

Best for: People focused on dining rewards who want to avoid an annual fee and who typically have fair to good credit.

  • 5% on Travel-portal
  • Earn a one-time $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening
  • No foreign transaction fee
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Wells Fargo Active Cash Card

by Wells Fargo

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Wells Fargo Active Cash Card is a cashback card from Wells Fargo with no annual fee, earn a $200 cash rewards bonus when you spend $500 in purchases in the first 3 months, and fair to good credit.

Best for: People focused on cashback rewards who want to avoid an annual fee and who typically have fair to good credit.

  • Earn a $200 cash rewards bonus when you spend $500 in purchases in the first 3 months
  • Foreign transaction fee: 3%
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Side-by-Side Facts

MetricCapital One SavorOne Cash RewardsWells Fargo Active Cash Card
Annual FeeNoneNone
Reward Rate5.0%2.0%
Signup BonusEarn a one-time $250 cash bonus once you spend $500 on purchases within the first 3 months from account openingEarn a $200 cash rewards bonus when you spend $500 in purchases in the first 3 months
Foreign Transaction FeeNone3.0%
Recommended CreditFair to good creditFair to good credit
Rewards SummaryEarn elevated rewards with 5% on Travel-portal, 3% on Dining and 3% on Entertainment, plus 1% on other purchases.Earn 2% on general spending.

Who Should Pick Which Card?

Capital One SavorOne Cash Rewards

Its strongest earning category is Travel-portal at 5%, backed by 1% on general spending. It also avoids foreign transaction fees.

Best for: People focused on dining rewards who want to avoid an annual fee and who typically have fair to good credit.

Pros

  • Earn a one-time $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening
  • No annual fee to offset rewards
  • Earns 5% on Travel-portal
  • Earns 3% on Dining

Tradeoffs

  • Base rewards on non-bonus spending are relatively modest

Wells Fargo Active Cash Card

It keeps the value proposition simple with 2% on everyday purchases.

Best for: People focused on cashback rewards who want to avoid an annual fee and who typically have fair to good credit.

Pros

  • Earn a $200 cash rewards bonus when you spend $500 in purchases in the first 3 months
  • No annual fee to offset rewards

Tradeoffs

  • Foreign transaction fee of 3% can hurt value abroad

Frequently Asked Questions

What is the main difference between Capital One SavorOne Cash Rewards and Wells Fargo Active Cash Card?

The biggest tradeoffs are annual fee, reward concentration, and the level of credit usually needed to qualify. This page compares those inputs directly so you can choose the card that fits your spending and tolerance for annual fees.

Which card is easier to qualify for?

Capital One SavorOne Cash Rewards has the lowest published starting credit range in this comparison at 670.

Which card has the lowest annual fee?

Capital One SavorOne Cash Rewards has the lowest annual fee in this comparison at no annual fee.