Capital One Venture X Rewards Credit Card vs Wells Fargo Autograph Visa Credit Card
Annual fees: Capital One Venture X Rewards Credit Card $395/yr, Wells Fargo Autograph Visa Credit Card $0/yr. Strongest bonus categories: Capital One Venture X Rewards Credit Card on hotels, Wells Fargo Autograph Visa Credit Card on travel.
Card data as of October 12, 2026.
- Capital One Venture X Rewards Credit Card
Capital One · $395/yr
Wells Fargo Autograph Visa Credit CardWells Fargo · No annual fee
Overview
- Annual fee
- Capital One Venture X Rewards Credit Card$395Wells Fargo Autograph Visa Credit Card$0Lowest
- Welcome offerCurrent public offer
- Capital One Venture X Rewards Credit Card75,000 milesWells Fargo Autograph Visa Credit Card20,000 points
- Rewards
- Capital One Venture X Rewards Credit CardCapital One MilesWells Fargo Autograph Visa Credit CardWells Fargo Go Far Rewards
- Foreign transaction fee
- Capital One Venture X Rewards Credit CardNoneWells Fargo Autograph Visa Credit CardNone
- Network
- Capital One Venture X Rewards Credit CardVisa InfiniteWells Fargo Autograph Visa Credit CardVisa Signature
Earn ratesPer $1 spent
- Dining
- Capital One Venture X Rewards Credit Card2xWells Fargo Autograph Visa Credit Card3xHighest
- Gas Stations
- Capital One Venture X Rewards Credit Card2xWells Fargo Autograph Visa Credit Card3xHighest
- Streaming
- Capital One Venture X Rewards Credit Card2xWells Fargo Autograph Visa Credit Card3xHighest
- Telecom
- Capital One Venture X Rewards Credit Card2xWells Fargo Autograph Visa Credit Card3xHighest
- Transit
- Capital One Venture X Rewards Credit Card2xWells Fargo Autograph Visa Credit Card3xHighest
- Travel
- Capital One Venture X Rewards Credit Card2xWells Fargo Autograph Visa Credit Card3xHighest
- Flights
- Capital One Venture X Rewards Credit Card2xHighestWells Fargo Autograph Visa Credit Card1x
- Hotels
- Capital One Venture X Rewards Credit Card2xHighestWells Fargo Autograph Visa Credit Card1x
- Everything else
- Capital One Venture X Rewards Credit Card2xHighestWells Fargo Autograph Visa Credit Card1x
Statement creditsAs the issuer states them · — means none on record
- Travel
- Capital One Venture X Rewards Credit Card
- $300 travel credit
- $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 X Rewards Credit Card
- Free Capital One Lounge access at 6 major airports
- Free Priority Pass Select with Over 1,300 Lounge Locations
Wells Fargo Autograph Visa Credit Card— - Hotel status & programs
- Capital One Venture X Rewards Credit Card
- $50 Lifestyle Collection
- Premier Collection Hotels with $100 Credit and Daily
Wells Fargo Autograph Visa Credit Card- Visa Signature Luxury Hotel Collection elite benefits
- Car rental
- Capital One Venture X Rewards Credit Card
- Complimentary Hertz President's Circle top-tier status
Wells Fargo Autograph Visa Credit Card— - Other perks
- Capital One Venture X Rewards Credit Card
- Discounted membership to The Cultivist
- 24/7 personal concierge service
- Miles Redemption
- Exclusive Dining Experiences at Award Winning Restaurants
- No Foreign Transaction Fees on International Purchases
- Around the Clock Travel Emergency Help Services
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 X Rewards Credit Card
- Travel Accident Insurance Coverage Up to $1,000,000 Per Trip
- $2,000 trip cancellation and interruption insurance
- Trip Delay Insurance Coverage Up to $500 Per Passenger
Wells Fargo Autograph Visa Credit Card— - Baggage
- Capital One Venture X Rewards Credit Card
- Lost Luggage Reimbursement Up to $3,000/Passenger Cover
Wells Fargo Autograph Visa Credit Card— - Rental car
- Capital One Venture X Rewards Credit Card
- Primary Auto Rental Collision Damage Waiver Up to $75,000
Wells Fargo Autograph Visa Credit Card- $50,000 auto rental collision damage waiver
- Purchase & returns
- Capital One Venture X Rewards Credit Card
- Up to $10K purchase protection
- Up to $300 return protection
Wells Fargo Autograph Visa Credit Card— - Extended warranty
- Capital One Venture X Rewards Credit Card
- Extended Warranty Protection up to $10,000 per claim
Wells Fargo Autograph Visa Credit Card— - Cell phone
- Capital One Venture X Rewards Credit Card
- $800 cell phone protection when paying wireless bill
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 X Rewards Credit Card
- Flexible Flight Cancellation Protection Up To 3 Hours Before
- Travel Price Match and Cover for Capital One Travel Bookings
Wells Fargo Autograph Visa Credit Card- Free monthly FICO credit score updates with Credit Close-Up
Pros & cons
- Pros
- Capital One Venture X Rewards Credit Card
- Effective $95 annual fee after $300 travel credit and 10,000 anniversary miles (~$100 value)
- 10X miles on hotels and rental cars booked through Capital One Travel
- Complimentary access to Capital One Lounges and Landings for the primary cardholder
- Priority Pass Select membership with 1,300+ lounges worldwide
- Additional cardholders can be added; lounge access for each costs $125 per year
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 X Rewards Credit Card
- $395 annual fee requires maximizing credits to get value
- 10X earning rate requires booking through Capital One Travel portal
- Lounge guests cost extra ($35 per visit at Priority Pass lounges, $45 at Capital One Lounges unless you spend $75,000 per calendar year)
- No airline transfer bonuses unlike some competitors
- Travel credits only work for Capital One Travel bookings
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 11 categories. The Capital One Venture X Rewards Credit Card leads in 5.
Hotels
Capital One Venture X Rewards Credit Card earns 10X vs 1X
10X via Capital One Travel - No annual cap
Car Rentals
Capital One Venture X Rewards Credit Card earns 10X vs 1X
10X via Capital One Travel - No annual cap
Flights
Capital One Venture X Rewards Credit Card earns 5X vs 1X
5X via Capital One Travel - No annual cap
Vacation Rentals
Capital One Venture X Rewards Credit Card earns 5X vs 1X
5X via Capital One Travel - No annual cap
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 X 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.
Close — depends on how much of the credits you use
| Scenario | Capital One Venture X 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): $270 − Annual fee ($395) Ongoing: $187 Year one: $1,162 | Rewards: $296 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $296 Year one: $586 | Close — depends on how much of the credits you use | Capital One Venture X Rewards Credit Card |
| Heavy spender: $4,000/month | Rewards: $1,248 Credits (our usable estimate): $270 − Annual fee ($395) Ongoing: $1,123 Year one: $2,098 | 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 X Rewards Credit Card |
Is the Fee Difference Worth It?
The Capital One Venture X Rewards Credit Card costs $395/yr — that's $395 more than the Wells Fargo Autograph Visa Credit Card (no annual fee). To justify that gap, you need to extract at least $395 in annual value from the card's higher earn rates and benefits.
The Capital One Venture X Rewards Credit Card includes travel credits, lounge access, Global Entry/TSA PreCheck credit. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $395 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $395 fee gap means the Capital One Venture X Rewards Credit Card needs roughly $395 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:
- -Airport lounge access
- -Global Entry credit
Which Card Is Right for You?
Get the Capital One Venture X Rewards Credit Card if you:
- +Fly frequently and value airport lounge access
- +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
Close — depends on how much of the credits you use
Everyday (non-bonus) spend earns 2X on the Capital One Venture X Rewards Credit Card vs 1X on the other card.
Published annual fees: Capital One Venture X Rewards Credit Card $395/yr, Wells Fargo Autograph Visa Credit Card $0/yr — a $395 difference before welcome offers and credits.
Frequently Asked Questions
- Is the Capital One Venture X Rewards Credit Card worth the higher annual fee?
- The Capital One Venture X Rewards Credit Card costs $395/yr vs $0/yr for the Wells Fargo Autograph Visa Credit Card. Compare the year-one vs ongoing value table on this page — the $395 gap must be offset by higher earn rates, welcome offers, or credits you will use (the Capital One Venture X Rewards Credit Card also lists lounge access, travel credits).
- Which card earns more rewards, the Capital One Venture X Rewards Credit Card or Wells Fargo Autograph Visa Credit Card?
- The Capital One Venture X 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 X Rewards Credit Card have that the Wells Fargo Autograph Visa Credit Card doesn't?
- The Capital One Venture X Rewards Credit Card offers lounge access, travel credits, cell phone protection. The Wells Fargo Autograph Visa Credit Card offers cell phone protection.
- Should I get the Capital One Venture X 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 X Rewards Credit Card must earn enough extra (or offer a larger welcome bonus) to justify $395/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.