Savor Rewards vs Wells Fargo Autograph Card
Fees, rewards and real yearly value, side by side. Updated October 29, 2026.
Savor Rewards
Estimated value every year on typical spending
$312/ year
Every year, after the annual fee. Year one adds a $200 welcome bonus: $512
Wells Fargo Autograph Card
Estimated value every year on typical spending
$528/ year
Every year, after the annual fee. Year one adds a $200 welcome bonus: $728
The short answer
- On typical spending, the Wells Fargo Autograph Card comes out ahead: about $528 a year after its fee, against $312 for the Capital One Savor Rewards.
- The Wells Fargo Autograph Card earns more on dining, gas, travel.
Side by side
| Savor Rewards | Wells Fargo Autograph Card | |
|---|---|---|
| Annual fee | $0 | $0 |
| Rewards | 3% cash back on dining and entertainment; 5% on hotels and rental cars booked through Capital One Travel; 1% on all other purchases | 3X points on restaurants, travel, gas, transit, popular streaming services, and phone plans; 1X points on other purchases |
| Welcome bonus | Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening | Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value. |
| Credits counted | $0/yr | $0/yr |
| Intro APR | 0% for the first 12 months | 0% for the first 12 months |
| Regular APR | 18.74% to 28.74% variable | 18.74% to 24.74% variable |
| Foreign transaction fee | None | None |
| Credit needed | Excellent | Not specified |
Yearly rewards by category
| Category (monthly spend) | Savor Rewards | Wells Fargo Autograph Card |
|---|---|---|
| groceries ($500) | $60 | $60 |
| dining ($400) | $48 | $144 |
| gas ($200) | $24 | $72 |
| travel ($300) | $36 | $108 |
| everything else ($1,200) | $144 | $144 |
Yearly value is rewards plus credits you'd realistically use, minus the annual fee, on $2,600/month: $500 groceries, $400 dining, $200 gas, $300 travel, $1,200 everything else. Points use conservative cash values; store-only rewards count at half. How we rank · Use your own spending
Questions people ask
Which is better, the Capital One Savor Rewards or the Wells Fargo Autograph Card?
On typical spending the Wells Fargo Autograph Card is worth more: about $528 a year after its fee, against $312 for the Capital One Savor Rewards. Which is better for you depends on where you spend most; see the category answers below.
Which is better for dining?
The Wells Fargo Autograph Card. On $400 a month of dining it earns about $144 a year, against $48 with the Capital One Savor Rewards.
Which is better for travel?
The Wells Fargo Autograph Card. On $300 a month of travel it earns about $108 a year, against $36 with the Capital One Savor Rewards.
Which is better for gas?
The Wells Fargo Autograph Card. On $200 a month of gas it earns about $72 a year, against $24 with the Capital One Savor Rewards.
Put any two cards head to head.
Pick any cards, including ones you already hold, and compare them on your own spending.
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Terms change often; confirm them with the issuer before you apply.