Capital One Venture Rewards Credit Card vs Wells Fargo Autograph Journey Visa Credit Card
Both cards cost $95/yr. The Capital One Venture Rewards Credit Card leads on hotels; the Wells Fargo Autograph Journey Visa Credit Card on hotels.
Card data as of October 12, 2026.
Capital One Venture Rewards Credit CardCapital One · $95/yr
Wells Fargo Autograph Journey Visa Credit CardWells Fargo · $95/yr
Overview
- Annual fee
- Capital One Venture Rewards Credit Card$95Wells Fargo Autograph Journey Visa Credit Card$95
- Welcome offerCurrent public offer
- Capital One Venture Rewards Credit Card75,000 milesWells Fargo Autograph Journey Visa Credit Card60,000 points
- Rewards
- Capital One Venture Rewards Credit CardCapital One MilesWells Fargo Autograph Journey Visa Credit CardWells Fargo Go Far Rewards
- Foreign transaction fee
- Capital One Venture Rewards Credit CardNoneWells Fargo Autograph Journey Visa Credit CardNone
- Network
- Capital One Venture Rewards Credit CardMastercard World EliteWells Fargo Autograph Journey Visa Credit CardVisa Signature
Earn ratesPer $1 spent
- Hotels
- Capital One Venture Rewards Credit Card2xWells Fargo Autograph Journey Visa Credit Card5xHighest
- Flights
- Capital One Venture Rewards Credit Card2xWells Fargo Autograph Journey Visa Credit Card4xHighest
- Dining
- Capital One Venture Rewards Credit Card2xWells Fargo Autograph Journey Visa Credit Card3xHighest
- Travel
- Capital One Venture Rewards Credit Card2xWells Fargo Autograph Journey Visa Credit Card3xHighest
- Everything else
- Capital One Venture Rewards Credit Card2xHighestWells Fargo Autograph Journey 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 Journey Visa Credit Card- $50 airline credit
Perks & access— means none on record
- Lounges
- Capital One Venture Rewards Credit Card
- Capital One Lounge access at $45/visit
Wells Fargo Autograph Journey Visa Credit Card— - Hotel status & programs
- Capital One Venture Rewards Credit Card
- $50 Lifestyle Collection
Wells Fargo Autograph Journey Visa Credit Card- 900+ luxury hotel properties with exclusive perks
- Car rental
- Capital One Venture Rewards Credit Card
- Free Hertz Five Star Elite Status with Premium Benefits
Wells Fargo Autograph Journey 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 Journey Visa Credit Card- Visa Signature concierge
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 Journey Visa Credit Card- Up to $15,000 per traveler trip cancellation coverage
- Baggage
- Capital One Venture Rewards Credit Card—Wells Fargo Autograph Journey Visa Credit Card
- Up to $3,000 lost luggage coverage per trip
- Rental car
- Capital One Venture Rewards Credit Card
- Secondary Auto Rental Collision Damage Waiver for Rental
Wells Fargo Autograph Journey Visa Credit Card- 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 Journey Visa Credit Card- Zero liability protection
- Extended warranty
- Capital One Venture Rewards Credit Card
- Extended Warranty Protection up to $10,000 per claim
Wells Fargo Autograph Journey Visa Credit Card— - Cell phone
- Capital One Venture Rewards Credit Card—Wells Fargo Autograph Journey Visa Credit Card
- Cellular Telephone Protection · up to $1,000
- 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 Journey Visa Credit Card- Credit Close-up monitoring
- Travel and Emergency Services Assistance
- Emergency Cash Disbursement and Card Replacement
- Roadside Dispatch®
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 Journey Visa Credit Card- 5x on hotels booked direct and 4x on airlines - among highest travel earn rates
- 1:1 transfer partners including British Airways, Flying Blue, JetBlue, Virgin Atlantic
- $50 annual airline credit covers most of the $95 fee
- Comprehensive travel insurance (trip cancellation, lost luggage, CDW)
- Cell phone protection up to $1,000 with $25 deductible
- 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 Journey Visa Credit Card- $95 annual fee (though offset by airline credit)
- Fewer transfer partners than Chase or Amex
- Must book hotels directly to earn 5x (not through OTAs)
- No lounge access
- Welcome offer requires $4,000 spend in 3 months
Category-by-Category Winner
Both cards win in 3 categories each — it comes down to which categories matter most to you.
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
Flights
Wells Fargo Autograph Journey Visa Credit Card earns 4X vs 2X
Travel
Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 2X
Dining
Wells Fargo Autograph Journey 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.
Both scenarios favor the Capital One Venture Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Capital One Venture Rewards Credit Card | Wells Fargo Autograph Journey 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: $261 Credits (our usable estimate): $25 − Annual fee ($95) Ongoing: $191 Year one: $1,061 | Capital One Venture Rewards 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: $1,044 Credits (our usable estimate): $25 − Annual fee ($95) Ongoing: $974 Year one: $1,844 | Capital One Venture Rewards Credit Card | Capital One Venture Rewards Credit Card |
What You Give Up
Choosing one card means missing out on these benefits from the other.
Choosing Wells Fargo Autograph Journey 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 Journey Visa Credit Card if you:
- +Spend $300+/month on restaurants and dining out
The Bottom Line
Both scenarios favor the Capital One Venture Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).
Everyday (non-bonus) spend earns 2X on the Capital One Venture Rewards Credit Card vs 1X on the other card.
Frequently Asked Questions
- Which card earns more rewards, the Capital One Venture Rewards Credit Card or Wells Fargo Autograph Journey 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 Journey Visa Credit Card doesn't?
- The Capital One Venture Rewards Credit Card offers travel credits. The Wells Fargo Autograph Journey Visa Credit Card offers travel credits, cell phone protection.
- Should I get the Capital One Venture Rewards Credit Card or the Wells Fargo Autograph Journey Visa Credit Card?
- Both cards have the same $95/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.