Capital One VentureOne Rewards Credit Card vs Wells Fargo Reflect Card

A detailed side-by-side comparison to help you choose the right card for your spending.

Capital One VentureOne Rewards Credit Card

Capital One

Wells Fargo Reflect Card

Wells Fargo

Annual Fee

Welcome Bonus

20,000 Flex point

—

Base Earn Rate

—

Top Earn Categories

5X Hotels

5X Car Rentals

5X Entertainment

—

Network

MASTERCARD

VISA

Key Benefits

None

Explore More

Capital One VentureOne Rewards Credit Card — Full Review All Capital One Cards

Wells Fargo Reflect Card — Full Review All Wells Fargo Cards

Browse all comparisons →Browse all card categories →

Capital One VentureOne Rewards Credit Card vs Wells Fargo Reflect Card

A detailed side-by-side comparison to help you choose the right card for your spending.

Capital One VentureOne Rewards Credit Card

Capital One

Wells Fargo Reflect Card

Wells Fargo

Annual Fee

Welcome Bonus

20,000 Flex point

—

Base Earn Rate

—

Top Earn Categories

5X Hotels

5X Car Rentals

5X Entertainment

—

Network

MASTERCARD

VISA

Key Benefits

None

Explore More

Capital One VentureOne Rewards Credit Card — Full Review All Capital One Cards

Wells Fargo Reflect Card — Full Review All Wells Fargo Cards

Browse all comparisons →Browse all card categories →

Capital One VentureOne Rewards Credit Card vs Wells Fargo Reflect Card

A detailed side-by-side comparison to help you choose the right card for your spending.

Capital One VentureOne Rewards Credit Card

Capital One

Wells Fargo Reflect Card

Wells Fargo

Annual Fee

Welcome Bonus

20,000 Flex point

—

Base Earn Rate

—

Top Earn Categories

5X Hotels

5X Car Rentals

5X Entertainment

—

Network

MASTERCARD

VISA

Key Benefits

None

Explore More

Capital One VentureOne Rewards Credit Card — Full Review All Capital One Cards

Wells Fargo Reflect Card — Full Review All Wells Fargo Cards

Browse all comparisons →Browse all card categories →

+Industry-leading 21-month 0% intro APR (extendable to 24 months with on-time payments)
+No annual fee
+Cell phone protection up to $600 with $25 deductible
+Visa Signature benefits including extended warranty and purchase protection
+Free authorized user cards

Cons

−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

−Earns no rewards on purchases
−3% foreign transaction fee
−5% balance transfer fee (minimum $5)
−Must make on-time payments to extend intro APR from 21 to 24 months
−Limited value after intro APR period ends

+Industry-leading 21-month 0% intro APR (extendable to 24 months with on-time payments)
+No annual fee
+Cell phone protection up to $600 with $25 deductible
+Visa Signature benefits including extended warranty and purchase protection
+Free authorized user cards

Cons

−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

−Earns no rewards on purchases
−3% foreign transaction fee
−5% balance transfer fee (minimum $5)
−Must make on-time payments to extend intro APR from 21 to 24 months
−Limited value after intro APR period ends

+Industry-leading 21-month 0% intro APR (extendable to 24 months with on-time payments)
+No annual fee
+Cell phone protection up to $600 with $25 deductible
+Visa Signature benefits including extended warranty and purchase protection
+Free authorized user cards

Cons

−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

−Earns no rewards on purchases
−3% foreign transaction fee
−5% balance transfer fee (minimum $5)
−Must make on-time payments to extend intro APR from 21 to 24 months
−Limited value after intro APR period ends