Capital One VentureOne Rewards Credit Card vs Wells Fargo Autograph Visa Credit Card
Both cards cost $0/yr. The Capital One VentureOne Rewards Credit Card leads on hotels; the Wells Fargo Autograph Visa Credit Card on travel.
Card data as of October 12, 2026.
Capital One VentureOne Rewards Credit CardCapital One · No annual fee
Wells Fargo Autograph Visa Credit CardWells Fargo · No annual fee
Overview
- Annual fee
- Capital One VentureOne Rewards Credit Card$0Wells Fargo Autograph Visa Credit Card$0
- Welcome offerCurrent public offer
- Capital One VentureOne Rewards Credit Card20,000 milesWells Fargo Autograph Visa Credit Card20,000 points
- Rewards
- Capital One VentureOne Rewards Credit CardCapital One MilesWells Fargo Autograph Visa Credit CardWells Fargo Go Far Rewards
- Foreign transaction fee
- Capital One VentureOne Rewards Credit CardNoneWells Fargo Autograph Visa Credit CardNone
- Network
- Capital One VentureOne Rewards Credit CardMastercard World EliteWells Fargo Autograph Visa Credit CardVisa Signature
Earn ratesPer $1 spent
- Dining
- Capital One VentureOne Rewards Credit Card1.25xWells Fargo Autograph Visa Credit Card3xHighest
- Gas Stations
- Capital One VentureOne Rewards Credit Card1.25xWells Fargo Autograph Visa Credit Card3xHighest
- Streaming
- Capital One VentureOne Rewards Credit Card1.25xWells Fargo Autograph Visa Credit Card3xHighest
- Telecom
- Capital One VentureOne Rewards Credit Card1.25xWells Fargo Autograph Visa Credit Card3xHighest
- Transit
- Capital One VentureOne Rewards Credit Card1.25xWells Fargo Autograph Visa Credit Card3xHighest
- Travel
- Capital One VentureOne Rewards Credit Card1.25xWells Fargo Autograph Visa Credit Card3xHighest
- Everything else
- Capital One VentureOne Rewards Credit Card1.25xHighestWells Fargo Autograph Visa Credit Card1x
Perks & access— means none on record
- Hotel status & programs
- Capital One VentureOne Rewards Credit Card—Wells Fargo Autograph Visa Credit Card
- Visa Signature Luxury Hotel Collection elite benefits
- Other perks
- Capital One VentureOne Rewards Credit Card
- Capital One Dining
- Transfer Your Miles
- No Foreign Transaction Fees
Wells Fargo Autograph Visa Credit Card- Concierge service, 24/7
- Access to live event presale tickets and experiences
- Emergency cash and expedited card replacement services
- 0% introductory APR on purchases for 12 full months
- Exclusive merchant discounts with My Wells Fargo Deals
- Zero foreign transaction fees on international purchases
Show 3 more
- Pay-per-use 24/7 roadside assistance with towing
- 24/7 travel and emergency assistance services worldwide
- 24/7 Visa Signature Concierge for travel and events
Protections & insuranceLimits where published · — means none on record
- Rental car
- Capital One VentureOne Rewards Credit Card—Wells Fargo Autograph Visa Credit Card
- $50,000 auto rental collision damage waiver
- Cell phone
- Capital One VentureOne Rewards Credit Card—Wells Fargo Autograph Visa Credit Card
- Cellular Telephone Protection · up to $600
- Up to $600 per claim cell phone damage and theft protection
- Other protections
- Capital One VentureOne Rewards Credit Card
- Credit monitoring
Wells Fargo Autograph Visa Credit Card- Free monthly FICO credit score updates with Credit Close-Up
Pros & cons
- Pros
- Capital One VentureOne Rewards Credit Card
- No annual fee
- 20,000 mile welcome bonus ($200 value)
- 5X miles on hotels, vacation rentals and rental cars via Capital One Travel
- 1.25X miles on all purchases
- No foreign transaction fees
Wells Fargo Autograph Visa Credit Card- 3X points on 6 popular categories: dining, travel, gas, transit, streaming, phone bills
- No annual fee with transferable points (rare combination)
- 1:1 transfers to 8 airline partners including British Airways, JetBlue, and Virgin Atlantic
- No spending caps on bonus categories
- No foreign transaction fees
- Cons
- Capital One VentureOne Rewards Credit Card
- Lower earn rate than premium travel cards
- No lounge access or premium travel benefits
- 5X earning requires booking through Capital One Travel
- Miles worth 1 cent each for travel, less for other redemptions
Wells Fargo Autograph Visa Credit Card- Only 1X on groceries and general shopping
- Welcome bonus of 20,000 points ($200 value) is modest
- Limited hotel transfer options (only Choice Privileges at 1:2 ratio)
- No premium travel benefits like lounge access or travel insurance
- Penalty APR of 29.99% for late payments
Category-by-Category Winner
The Wells Fargo Autograph Visa Credit Card wins in 6 of 10 categories. The Capital One VentureOne Rewards Credit Card leads in 4.
Hotels
Capital One VentureOne Rewards Credit Card earns 5X vs 1X
5X via issuer travel portal
Car Rentals
Capital One VentureOne Rewards Credit Card earns 5X vs 1X
5X via issuer travel portal
Vacation Rentals
Capital One VentureOne Rewards Credit Card earns 5X vs 1X
5X via issuer travel portal
Travel
Wells Fargo Autograph Visa Credit Card earns 3X vs 1.25X
Gas Stations
Wells Fargo Autograph Visa Credit Card earns 3X vs 1.25X
Transit
Wells Fargo Autograph Visa Credit Card earns 3X vs 1.25X
Streaming
Wells Fargo Autograph Visa Credit Card earns 3X vs 1.25X
Telecom
Wells Fargo Autograph Visa Credit Card earns 3X vs 1.25X
Dining
Wells Fargo Autograph Visa Credit Card earns 3X vs 1.25X
Everyday purchases
Capital One VentureOne Rewards Credit Card earns 1.25X 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 Autograph Visa Credit Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Capital One VentureOne Rewards Credit Card | Wells Fargo Autograph Visa Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $195 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $195 Year one: $455 | Rewards: $296 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $296 Year one: $586 | Wells Fargo Autograph Visa Credit Card | Wells Fargo Autograph Visa Credit Card |
| Heavy spender: $4,000/month | Rewards: $780 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $780 Year one: $1,040 | Rewards: $1,183 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,183 Year one: $1,473 | Wells Fargo Autograph Visa Credit Card | Wells Fargo Autograph Visa Credit Card |
Which Card Is Right for You?
Get the Capital One VentureOne Rewards Credit Card if you:
- +Prefer a high flat rate across all spending
Get the Wells Fargo Autograph Visa Credit Card if you:
- +Spend $300+/month on restaurants and dining out
The Bottom Line
Both scenarios favor the Wells Fargo Autograph Visa Credit Card on net value (rewards, usable credits, fees, and welcome offer).
Everyday (non-bonus) spend earns 1.25X on the Capital One VentureOne Rewards Credit Card vs 1X on the other card.
Frequently Asked Questions
- Which card earns more rewards, the Capital One VentureOne Rewards Credit Card or Wells Fargo Autograph Visa Credit Card?
- The Capital One VentureOne Rewards Credit Card has a higher base earn rate (1.25X vs 1X), but both cards have different bonus categories where they excel.
- What benefits does the Capital One VentureOne Rewards Credit Card have that the Wells Fargo Autograph Visa Credit Card doesn't?
- The Capital One VentureOne Rewards Credit Card focuses on earn rates, while the Wells Fargo Autograph Visa Credit Card offers cell phone protection.
- Should I get the Capital One VentureOne Rewards Credit Card or the Wells Fargo Autograph Visa Credit Card?
- Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.
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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.