Is the SavorOne Rewards from Capital One worth the higher annual fee?

The SavorOne Rewards from Capital One costs $39/yr vs $0/yr for the Wells Fargo Active Cash Card. Compare the year-one vs ongoing value table on this page — the $39 gap must be offset by higher earn rates, welcome offers, or credits you will use.

Which card earns more rewards, the SavorOne Rewards from Capital One 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 SavorOne Rewards from Capital One have that the Wells Fargo Active Cash Card doesn't?

The SavorOne Rewards from Capital One focuses on earn rates, while the Wells Fargo Active Cash Card offers cell phone protection.

Should I get the SavorOne Rewards from Capital One or the Wells Fargo Active Cash Card?

Use the spend scenarios on this page: the Wells Fargo Active Cash Card has a lower $0/yr fee; the SavorOne Rewards from Capital One must earn enough extra (or offer a larger welcome bonus) to justify $39/yr.

SavorOne Rewards from Capital One vs Wells Fargo Active Cash Card

Annual fees: SavorOne Rewards from Capital One $39/yr, Wells Fargo Active Cash Card $0/yr. Strongest bonus categories: SavorOne Rewards from Capital One on hotels, Wells Fargo Active Cash Card on everyday spending.

Card data as of October 12, 2026.

Credit card comparison
Overview
	SavorOne Rewards from Capital One Capital One · $39/yr	Wells Fargo Active Cash Card Wells Fargo · No annual fee
Annual fee	$39	$0 Lowest
Welcome offerCurrent public offer	—	$100 cash back
Rewards	Cash back	Cash back
Foreign transaction fee	None Lowest	3%
Network	Mastercard World Elite	Visa Signature
Earn ratesPer $1 spent
Dining	3% Highest	2%
Entertainment	3% Highest	2%
Grocery Stores	3% Highest	2%
Streaming	3% Highest	2%
Everything else	1%	2% Highest
Perks & access— means none on record
Hotel status & programs	—	900+ luxury hotel properties with exclusive perks
Other perks	Free Concierge Service 24 Hours a Day Year Round Get 50% Off All Handcrafted Beverages at Capital One Cafes Exclusive Capital One Dining Access to Award Winning Exclusive Capital One Entertainment Access with Early Ticket Zero Foreign Transaction Fees on All International Purchases Around the Clock 24 Hour Travel Help	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	Travel Accident Cover at No Extra Charge	—
Rental car	—	Up to $50,000 rental car coverage when you decline the count
Extended warranty	Extended Warranty Cover at No Charge on Eligible Purchases	—
Cell phone	—	Up to $600 coverage for damaged or stolen phones
Other protections	Credit monitoring Zero Dollar Fraud Liability Cover on All Unauthorized Virtual Card Numbers from Eno for Secure Online Shopping	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	3% cash back on popular categories for a $39 annual fee 3% back on dining, groceries, entertainment, and streaming services 8% cash back on Capital One Entertainment ticket purchases 5% cash back on hotels, vacation rentals and rental cars via Capital One Travel No foreign transaction fees for international spending	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	Grocery exclusions for Walmart, Target, and warehouse clubs 1% base rate on non-bonus categories is below average $39 annual fee, no welcome bonus and no intro APR 29.24% variable purchase APR No travel benefits or lounge access	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
	Card details	Card details

SavorOne Rewards from Capital One
Capital One · $39/yr
Wells Fargo Active Cash Card
Wells Fargo · No annual fee

Overview

Annual fee: SavorOne Rewards from Capital One
$39
Wells Fargo Active Cash Card
$0
Lowest
Welcome offerCurrent public offer: SavorOne Rewards from Capital One
—
Wells Fargo Active Cash Card
$100 cash back
Rewards: SavorOne Rewards from Capital One
Cash back
Wells Fargo Active Cash Card
Cash back
Foreign transaction fee: SavorOne Rewards from Capital One
None
Lowest
Wells Fargo Active Cash Card
3%
Network: SavorOne Rewards from Capital One
Mastercard World Elite
Wells Fargo Active Cash Card
Visa Signature

Earn ratesPer $1 spent

Dining: SavorOne Rewards from Capital One
3%
Highest
Wells Fargo Active Cash Card
2%
Entertainment: SavorOne Rewards from Capital One
3%
Highest
Wells Fargo Active Cash Card
2%
Grocery Stores: SavorOne Rewards from Capital One
3%
Highest
Wells Fargo Active Cash Card
2%
Streaming: SavorOne Rewards from Capital One
3%
Highest
Wells Fargo Active Cash Card
2%
Everything else: SavorOne Rewards from Capital One
1%
Wells Fargo Active Cash Card
2%
Highest

Perks & access— means none on record

Hotel status & programs: SavorOne Rewards from Capital One
—
Wells Fargo Active Cash Card
900+ luxury hotel properties with exclusive perks
Other perks: SavorOne Rewards from Capital One
Free Concierge Service 24 Hours a Day Year Round
Get 50% Off All Handcrafted Beverages at Capital One Cafes
Exclusive Capital One Dining Access to Award Winning
Exclusive Capital One Entertainment Access with Early Ticket
Zero Foreign Transaction Fees on All International Purchases
Around the Clock 24 Hour Travel Help
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: SavorOne Rewards from Capital One
Travel Accident Cover at No Extra Charge
Wells Fargo Active Cash Card
—
Rental car: SavorOne Rewards from Capital One
—
Wells Fargo Active Cash Card
Up to $50,000 rental car coverage when you decline the count
Extended warranty: SavorOne Rewards from Capital One
Extended Warranty Cover at No Charge on Eligible Purchases
Wells Fargo Active Cash Card
—
Cell phone: SavorOne Rewards from Capital One
—
Wells Fargo Active Cash Card
Up to $600 coverage for damaged or stolen phones
Other protections: SavorOne Rewards from Capital One
Credit monitoring
Zero Dollar Fraud Liability Cover on All Unauthorized
Virtual Card Numbers from Eno for Secure Online Shopping
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: SavorOne Rewards from Capital One
3% cash back on popular categories for a $39 annual fee
3% back on dining, groceries, entertainment, and streaming services
8% cash back on Capital One Entertainment ticket purchases
5% cash back on hotels, vacation rentals and rental cars via Capital One Travel
No foreign transaction fees for international spending
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: SavorOne Rewards from Capital One
Grocery exclusions for Walmart, Target, and warehouse clubs
1% base rate on non-bonus categories is below average
$39 annual fee, no welcome bonus and no intro APR
29.24% variable purchase APR
No travel benefits or lounge access
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

Card details

Add a 3rd or 4th card to this comparison →

Category-by-Category Winner

The SavorOne Rewards from Capital One wins in 4 of 5 categories. The Wells Fargo Active Cash Card leads in 1. 3 more categories depend on booking channel or caps.

Dining

SavorOne Rewards from Capital One earns 3X vs 2X

Entertainment

SavorOne Rewards from Capital One earns 3X vs 2X

Streaming

SavorOne Rewards from Capital One earns 3X vs 2X

Hotels

Depends: via issuer travel portal

SavorOne Rewards from Capital One earns 5X when conditions are met; Wells Fargo Active Cash Card earns 2X (2X without restrictions)

Car Rentals

Depends: via issuer travel portal

SavorOne Rewards from Capital One earns 5X when conditions are met; Wells Fargo Active Cash Card earns 2X (2X without restrictions)

Grocery Stores

SavorOne Rewards from Capital One earns 3X vs 2X

Vacation Rentals

Depends: via issuer travel portal

SavorOne Rewards from Capital One earns 5X when conditions are met; Wells Fargo Active Cash Card earns 2X (2X without restrictions)

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	SavorOne Rewards from Capital One	Wells Fargo Active Cash Card	Ongoing winner	Year-one winner
Light spender: $1,000/month	Rewards: $192 Credits (our usable estimate): $0 − Annual fee ($39) Ongoing: $153 Year one: $153	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 ($39) Ongoing: $729 Year one: $729	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

Is the Fee Difference Worth It?

The SavorOne Rewards from Capital One costs $39/yr — that's $39 more than the Wells Fargo Active Cash Card (no annual fee). To justify that gap, you need to extract at least $39 in annual value from the card's higher earn rates and benefits.

Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $39 fee gap means the SavorOne Rewards from Capital One needs roughly $39 more in annual rewards (or credits you will use) to break even on hotels and car rentals and everyday spend.

Which Card Is Right for You?

Get the SavorOne Rewards from Capital One 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.

Published annual fees: SavorOne Rewards from Capital One $39/yr, Wells Fargo Active Cash Card $0/yr — a $39 difference before welcome offers and credits.

Frequently Asked Questions

Is the SavorOne Rewards from Capital One worth the higher annual fee?: The SavorOne Rewards from Capital One costs $39/yr vs $0/yr for the Wells Fargo Active Cash Card. Compare the year-one vs ongoing value table on this page — the $39 gap must be offset by higher earn rates, welcome offers, or credits you will use.
Which card earns more rewards, the SavorOne Rewards from Capital One 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 SavorOne Rewards from Capital One have that the Wells Fargo Active Cash Card doesn't?: The SavorOne Rewards from Capital One focuses on earn rates, while the Wells Fargo Active Cash Card offers cell phone protection.
Should I get the SavorOne Rewards from Capital One or the Wells Fargo Active Cash Card?: Use the spend scenarios on this page: the Wells Fargo Active Cash Card has a lower $0/yr fee; the SavorOne Rewards from Capital One must earn enough extra (or offer a larger welcome bonus) to justify $39/yr.

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Official issuer pages: Capital One cards · Wells Fargo cards

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.