Capital One Venture Rewards Credit Card vs Wells Fargo Autograph Visa Credit Card
Annual fees: Capital One Venture Rewards Credit Card $95/yr, Wells Fargo Autograph Visa Credit Card $0/yr. Strongest bonus categories: Capital One Venture Rewards Credit Card on hotels, Wells Fargo Autograph Visa Credit Card on travel.
Card data as of October 12, 2026.
Capital One Venture Rewards Credit CardCapital One · $95/yr
Wells Fargo Autograph Visa Credit CardWells Fargo · No annual fee
Overview
- Annual fee
- Capital One Venture Rewards Credit Card$95Wells Fargo Autograph Visa Credit Card$0Lowest
- Welcome offerCurrent public offer
- Capital One Venture Rewards Credit Card75,000 milesWells Fargo Autograph Visa Credit Card20,000 points
- Rewards
- Capital One Venture Rewards Credit CardCapital One MilesWells Fargo Autograph Visa Credit CardWells Fargo Go Far Rewards
- Foreign transaction fee
- Capital One Venture Rewards Credit CardNoneWells Fargo Autograph Visa Credit CardNone
- Network
- Capital One Venture Rewards Credit CardMastercard World EliteWells Fargo Autograph Visa Credit CardVisa Signature
Earn ratesPer $1 spent
- Dining
- Capital One Venture Rewards Credit Card2xWells Fargo Autograph Visa Credit Card3xHighest
- Gas Stations
- Capital One Venture Rewards Credit Card2xWells Fargo Autograph Visa Credit Card3xHighest
- Streaming
- Capital One Venture Rewards Credit Card2xWells Fargo Autograph Visa Credit Card3xHighest
- Telecom
- Capital One Venture Rewards Credit Card2xWells Fargo Autograph Visa Credit Card3xHighest
- Transit
- Capital One Venture Rewards Credit Card2xWells Fargo Autograph Visa Credit Card3xHighest
- Travel
- Capital One Venture Rewards Credit Card2xWells Fargo Autograph Visa Credit Card3xHighest
- Everything else
- Capital One Venture Rewards Credit Card2xHighestWells Fargo Autograph Visa Credit Card1x
Statement creditsAs the issuer states them · — means none on record
- Travel
- Capital One Venture Rewards Credit Card
- $300 Stays Credit (1st Year) · $300 one-time
- $120 Global Entry/TSA PreCheck · $120 every 4 years
Wells Fargo Autograph Visa Credit Card—
Perks & access— means none on record
- Lounges
- Capital One Venture Rewards Credit Card
- Capital One Lounge access at $45/visit
Wells Fargo Autograph Visa Credit Card— - Hotel status & programs
- Capital One Venture Rewards Credit Card
- $50 Lifestyle Collection
Wells Fargo Autograph Visa Credit Card- Visa Signature Luxury Hotel Collection elite benefits
- Car rental
- Capital One Venture Rewards Credit Card
- Free Hertz Five Star Elite Status with Premium Benefits
Wells Fargo Autograph Visa Credit Card— - Other perks
- Capital One Venture Rewards Credit Card
- Get 50% Off All Handcrafted Beverages at Capital One Cafes
- Exclusive Capital One Dining Access to Popular Restaurants
- Exclusive Capital One Entertainment Access with VIP Packages
- Zero Foreign Transaction Fees on All International Purchases
- Around the Clock 24 Hour Travel Help
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
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- 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
- Trip insurance
- Capital One Venture Rewards Credit Card
- Travel Accident Cover at No Extra Charge
Wells Fargo Autograph Visa Credit Card— - Rental car
- Capital One Venture Rewards Credit Card
- Secondary Auto Rental Collision Damage Waiver for Rental
Wells Fargo Autograph Visa Credit Card- $50,000 auto rental collision damage waiver
- Purchase & returns
- Capital One Venture Rewards Credit Card
- Automatic Price Drop Cover and Price Match Guarantee
- Purchase Security up to $10,000 per claim
Wells Fargo Autograph Visa Credit Card— - Extended warranty
- Capital One Venture Rewards Credit Card
- Extended Warranty Protection up to $10,000 per claim
Wells Fargo Autograph Visa Credit Card— - Cell phone
- Capital One Venture 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 Venture Rewards Credit Card
- Credit monitoring
- Card Replacement and Cash Advance When Traveling Abroad
- Zero Dollar Fraud Liability Cover on All Unauthorized
Wells Fargo Autograph Visa Credit Card- Free monthly FICO credit score updates with Credit Close-Up
Pros & cons
- Pros
- Capital One Venture Rewards Credit Card
- Unlimited 2X miles on every purchase with no category tracking required
- 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel
- One-time $300 stays credit for hotels and vacation rentals in the first year
- 75,000 mile welcome bonus after $4,000 spend in 3 months
- TSA PreCheck or Global Entry credit ($120 value every 4 years)
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 Venture Rewards Credit Card
- $95 annual fee (only partly offset by the one-time first-year stays credit)
- No lounge access or premium travel perks like Venture X
- 5X earning requires booking through Capital One Travel portal
- 2X flat rate beaten by category-specific cards in dining, groceries, etc.
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 Venture Rewards Credit Card leads in 4.
Hotels
Capital One Venture Rewards Credit Card earns 5X vs 1X
5X via issuer travel portal
Car Rentals
Capital One Venture Rewards Credit Card earns 5X vs 1X
5X via issuer travel portal
Vacation Rentals
Capital One Venture Rewards Credit Card earns 5X vs 1X
5X via issuer travel portal
Travel
Wells Fargo Autograph Visa Credit Card earns 3X vs 2X
Gas Stations
Wells Fargo Autograph Visa Credit Card earns 3X vs 2X
Transit
Wells Fargo Autograph Visa Credit Card earns 3X vs 2X
Streaming
Wells Fargo Autograph Visa Credit Card earns 3X vs 2X
Telecom
Wells Fargo Autograph Visa Credit Card earns 3X vs 2X
Dining
Wells Fargo Autograph Visa Credit Card earns 3X vs 2X
Everyday purchases
Capital One Venture Rewards Credit 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.
Modeled value is close across spend levels — especially once statement credits are counted.
| Scenario | Capital One Venture Rewards Credit Card | Wells Fargo Autograph Visa Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $312 Credits (our usable estimate): $30 − Annual fee ($95) Ongoing: $247 Year one: $1,402 | Rewards: $296 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $296 Year one: $586 | Wells Fargo Autograph Visa Credit Card | Capital One Venture Rewards Credit Card |
| Heavy spender: $4,000/month | Rewards: $1,248 Credits (our usable estimate): $30 − Annual fee ($95) Ongoing: $1,183 Year one: $2,338 | Rewards: $1,183 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,183 Year one: $1,473 | Close — depends on how much of the credits you use | Capital One Venture Rewards Credit Card |
Is the Fee Difference Worth It?
The Capital One Venture Rewards Credit Card costs $95/yr — that's $95 more than the Wells Fargo Autograph Visa Credit Card (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
The Capital One Venture Rewards Credit Card includes travel credits, Global Entry/TSA PreCheck credit. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $95 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $95 fee gap means the Capital One Venture Rewards Credit Card needs roughly $95 more in annual rewards (or credits you will use) to break even on hotels and car rentals and everyday spend.
What You Give Up
Choosing one card means missing out on these benefits from the other.
Choosing Wells Fargo Autograph Visa Credit Card means losing:
- -Global Entry credit
Which Card Is Right for You?
Get the Capital One Venture 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
Modeled value is close across spend levels — especially once statement credits are counted.
Everyday (non-bonus) spend earns 2X on the Capital One Venture Rewards Credit Card vs 1X on the other card.
Published annual fees: Capital One Venture Rewards Credit Card $95/yr, Wells Fargo Autograph Visa Credit Card $0/yr — a $95 difference before welcome offers and credits.
Frequently Asked Questions
- Is the Capital One Venture Rewards Credit Card worth the higher annual fee?
- The Capital One Venture Rewards Credit Card costs $95/yr vs $0/yr for the Wells Fargo Autograph Visa Credit Card. Compare the year-one vs ongoing value table on this page — the $95 gap must be offset by higher earn rates, welcome offers, or credits you will use (the Capital One Venture Rewards Credit Card also lists travel credits).
- Which card earns more rewards, the Capital One Venture Rewards Credit Card or Wells Fargo Autograph Visa Credit Card?
- The Capital One Venture Rewards Credit 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 Venture Rewards Credit Card have that the Wells Fargo Autograph Visa Credit Card doesn't?
- The Capital One Venture Rewards Credit Card offers travel credits. The Wells Fargo Autograph Visa Credit Card offers cell phone protection.
- Should I get the Capital One Venture Rewards Credit Card or the Wells Fargo Autograph Visa Credit Card?
- Use the spend scenarios on this page: the Wells Fargo Autograph Visa Credit Card has a lower $0/yr fee; the Capital One Venture Rewards Credit Card must earn enough extra (or offer a larger welcome bonus) to justify $95/yr.
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.