Capital One Savor Cash Rewards Credit Card vs Wells Fargo Active Cash Card
Both cards cost $0/yr. The Capital One Savor Cash Rewards Credit Card leads on dining; the Wells Fargo Active Cash Card on everyday spending.
Card data as of October 12, 2026.
Capital One Savor Cash Rewards Credit CardCapital One · No annual fee
Wells Fargo Active Cash CardWells Fargo · No annual fee
Overview
- Annual fee
- Capital One Savor Cash Rewards Credit Card$0Wells Fargo Active Cash Card$0
- Welcome offerCurrent public offer
- Capital One Savor Cash Rewards Credit Card$200 cash backWells Fargo Active Cash Card$100 cash back
- Rewards
- Capital One Savor Cash Rewards Credit CardCash backWells Fargo Active Cash CardCash back
- Foreign transaction fee
- Capital One Savor Cash Rewards Credit CardNoneLowestWells Fargo Active Cash Card3%
- Network
- Capital One Savor Cash Rewards Credit CardMastercard World EliteWells Fargo Active Cash CardVisa Signature
Earn ratesPer $1 spent
- Dining
- Capital One Savor Cash Rewards Credit Card3%HighestWells Fargo Active Cash Card2%
- Entertainment
- Capital One Savor Cash Rewards Credit Card3%HighestWells Fargo Active Cash Card2%
- Grocery Stores
- Capital One Savor Cash Rewards Credit Card3%HighestWells Fargo Active Cash Card2%
- Streaming
- Capital One Savor Cash Rewards Credit Card3%HighestWells Fargo Active Cash Card2%
- Everything else
- Capital One Savor Cash Rewards Credit Card1%Wells Fargo Active Cash Card2%Highest
Perks & access— means none on record
- Hotel status & programs
- Capital One Savor Cash Rewards Credit Card—Wells Fargo Active Cash Card
- 900+ luxury hotel properties with exclusive perks
- Other perks
- Capital One Savor Cash Rewards Credit Card
- Capital One Dining
- Complimentary Concierge Service
Wells Fargo Active Cash Card- 24/7 Visa Signature Concierge service
- Extra cash back at select merchants with personalized deals
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Capital One Savor Cash Rewards Credit Card
- Travel accident insurance
Wells Fargo Active Cash Card— - Rental car
- Capital One Savor Cash Rewards Credit Card—Wells Fargo Active Cash Card
- Up to $50,000 rental car coverage when you decline the count
- Extended warranty
- Capital One Savor Cash Rewards Credit Card
- Extended warranty
Wells Fargo Active Cash Card— - Cell phone
- Capital One Savor Cash Rewards Credit Card—Wells Fargo Active Cash Card
- Up to $600 coverage for damaged or stolen phones
- Other protections
- Capital One Savor Cash Rewards Credit Card
- Credit monitoring
Wells Fargo Active Cash Card- 24/7 worldwide travel and emergency assistance
- Get emergency cash and card replacement worldwide
- Check your FICO score anytime for free
- 24/7 roadside help with free towing up to 5 miles
Pros & cons
- Pros
- Capital One Savor Cash Rewards Credit Card
- No annual fee for a card with 3% back on dining and entertainment
- 3% cash back at restaurants on a card with no annual fee
- 3% on entertainment covers streaming, concerts, movies, and more
- 3% at grocery stores provides solid everyday value
- 8% back on Capital One Entertainment purchases is exceptional
Wells Fargo Active Cash Card- Unlimited 2% cash back on every purchase with no category limits
- No annual fee
- $100 welcome bonus after just $500 spend in 3 months
- 0% intro APR for 12 months on purchases and balance transfers
- Cell phone protection up to $600 per claim when paying bill with card
- Cons
- Capital One Savor Cash Rewards Credit Card
- Only 1% cash back on purchases outside bonus categories
- No travel-specific benefits like lounge access or trip insurance
- Cash back only - no transfer partners for travel redemptions
- Grocery bonus typically excludes warehouse clubs like Costco
Wells Fargo Active Cash Card- 3% foreign transaction fee makes it poor for international use
- No bonus categories - heavy dining/travel spenders earn less than category cards
- Points have no transfer partners (cash back only)
- Requires good to excellent credit
- Penalty APR of 29.99% for late payments
Category-by-Category Winner
The Capital One Savor Cash Rewards Credit Card wins in 4 of 5 categories. The Wells Fargo Active Cash Card leads in 1.
Dining
Capital One Savor Cash Rewards Credit Card earns 3X vs 2X
Entertainment
Capital One Savor Cash Rewards Credit Card earns 3X vs 2X
Grocery Stores
Capital One Savor Cash Rewards Credit Card earns 3X vs 2X
Streaming
Capital One Savor Cash Rewards Credit Card earns 3X vs 2X
Everyday purchases
Wells Fargo Active Cash Card earns 2X on all other spending vs 1X
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Both scenarios favor the Wells Fargo Active Cash Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Capital One Savor Cash Rewards Credit Card | Wells Fargo Active Cash Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $192 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $192 Year one: $392 | Rewards: $348 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $348 Year one: $448 | Wells Fargo Active Cash Card | Wells Fargo Active Cash Card |
| Heavy spender: $4,000/month | Rewards: $768 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $768 Year one: $968 | Rewards: $1,392 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,392 Year one: $1,492 | Wells Fargo Active Cash Card | Wells Fargo Active Cash Card |
Which Card Is Right for You?
Get the Capital One Savor Cash Rewards Credit Card if you:
- +Spend $300+/month on restaurants and dining out
- +Do most of your spending at grocery stores
Get the Wells Fargo Active Cash Card if you:
- +Prefer a high flat rate across all spending
The Bottom Line
Both scenarios favor the Wells Fargo Active Cash Card on net value (rewards, usable credits, fees, and welcome offer).
Everyday (non-bonus) spend earns 2X on the Wells Fargo Active Cash Card vs 1X on the other card.
Frequently Asked Questions
- Which card earns more rewards, the Capital One Savor Cash Rewards Credit Card or Wells Fargo Active Cash Card?
- The Wells Fargo Active Cash Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.
- What benefits does the Capital One Savor Cash Rewards Credit Card have that the Wells Fargo Active Cash Card doesn't?
- The Capital One Savor Cash Rewards Credit Card focuses on earn rates, while the Wells Fargo Active Cash Card offers cell phone protection.
- Should I get the Capital One Savor Cash Rewards Credit Card or the Wells Fargo Active Cash Card?
- Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.