Capital One Venture X Rewards Credit Card vs Wells Fargo Autograph Journey Visa Credit Card
Annual fees: Capital One Venture X Rewards Credit Card $395/yr, Wells Fargo Autograph Journey Visa Credit Card $95/yr. Strongest bonus categories: Capital One Venture X Rewards Credit Card on hotels, Wells Fargo Autograph Journey Visa Credit Card on hotels.
Card data as of October 12, 2026.
- Capital One Venture X Rewards Credit Card
Capital One · $395/yr
Wells Fargo Autograph Journey Visa Credit CardWells Fargo · $95/yr
Overview
- Annual fee
- Capital One Venture X Rewards Credit Card$395Wells Fargo Autograph Journey Visa Credit Card$95Lowest
- Welcome offerCurrent public offer
- Capital One Venture X Rewards Credit Card75,000 milesWells Fargo Autograph Journey Visa Credit Card60,000 points
- Rewards
- Capital One Venture X Rewards Credit CardCapital One MilesWells Fargo Autograph Journey Visa Credit CardWells Fargo Go Far Rewards
- Foreign transaction fee
- Capital One Venture X Rewards Credit CardNoneWells Fargo Autograph Journey Visa Credit CardNone
- Network
- Capital One Venture X Rewards Credit CardVisa InfiniteWells Fargo Autograph Journey Visa Credit CardVisa Signature
Earn ratesPer $1 spent
- Hotels
- Capital One Venture X Rewards Credit Card2xWells Fargo Autograph Journey Visa Credit Card5xHighest
- Flights
- Capital One Venture X Rewards Credit Card2xWells Fargo Autograph Journey Visa Credit Card4xHighest
- Dining
- Capital One Venture X Rewards Credit Card2xWells Fargo Autograph Journey Visa Credit Card3xHighest
- Travel
- Capital One Venture X Rewards Credit Card2xWells Fargo Autograph Journey Visa Credit Card3xHighest
- Everything else
- Capital One Venture X Rewards Credit Card2xHighestWells Fargo Autograph Journey 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 Journey Visa Credit Card- $50 airline credit
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 Journey 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 Journey Visa Credit Card- 900+ luxury hotel properties with exclusive perks
- Car rental
- Capital One Venture X Rewards Credit Card
- Complimentary Hertz President's Circle top-tier status
Wells Fargo Autograph Journey 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 Journey Visa Credit Card- Visa Signature concierge
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 Journey Visa Credit Card- Up to $15,000 per traveler trip cancellation coverage
- Baggage
- Capital One Venture X Rewards Credit Card
- Lost Luggage Reimbursement Up to $3,000/Passenger Cover
Wells Fargo Autograph Journey Visa Credit Card- Up to $3,000 lost luggage coverage per trip
- Rental car
- Capital One Venture X Rewards Credit Card
- Primary Auto Rental Collision Damage Waiver Up to $75,000
Wells Fargo Autograph Journey Visa Credit Card- 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 Journey Visa Credit Card- Zero liability protection
- Extended warranty
- Capital One Venture X Rewards Credit Card
- Extended Warranty Protection up to $10,000 per claim
Wells Fargo Autograph Journey Visa Credit Card— - Cell phone
- Capital One Venture X Rewards Credit Card
- $800 cell phone protection when paying wireless bill
Wells Fargo Autograph Journey Visa Credit Card- Cellular Telephone Protection · up to $1,000
- 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 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 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 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 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 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
The Capital One Venture X Rewards Credit Card wins in 3 of 5 categories. The Wells Fargo Autograph Journey Visa Credit Card leads in 2. 2 more categories depend on booking channel or caps.
Hotels
Depends: via Capital One Travel - No annual cap
Capital One Venture X Rewards Credit Card earns 10X when conditions are met; Wells Fargo Autograph Journey Visa Credit Card earns 5X (5X without restrictions)
Car Rentals
Capital One Venture X Rewards Credit Card earns 10X vs 1X
10X via Capital One Travel - No annual cap
Flights
Depends: via Capital One Travel - No annual cap
Capital One Venture X Rewards Credit Card earns 5X when conditions are met; Wells Fargo Autograph Journey Visa Credit Card earns 4X (4X without restrictions)
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 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 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.
Modeled value is close across spend levels — especially once statement credits are counted.
| Scenario | Capital One Venture X 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): $270 − Annual fee ($395) Ongoing: $187 Year one: $1,162 | Rewards: $261 Credits (our usable estimate): $25 − Annual fee ($95) Ongoing: $191 Year one: $1,061 | Close — depends on how much of the credits you use | Close — depends on how much of the credits you use |
| Heavy spender: $4,000/month | Rewards: $1,248 Credits (our usable estimate): $270 − Annual fee ($395) Ongoing: $1,123 Year one: $2,098 | Rewards: $1,044 Credits (our usable estimate): $25 − Annual fee ($95) Ongoing: $974 Year one: $1,844 | Capital One Venture X Rewards Credit Card | 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 $300 more than the Wells Fargo Autograph Journey Visa Credit Card ($95/yr). To justify that gap, you need to extract at least $300 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 $300 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $300 fee gap means the Capital One Venture X Rewards Credit Card needs roughly $300 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 Journey 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 Journey 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 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 Journey Visa Credit Card $95/yr — a $300 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 $95/yr for the Wells Fargo Autograph Journey Visa Credit Card. Compare the year-one vs ongoing value table on this page — the $300 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 Journey 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 Journey 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 Journey Visa Credit Card offers travel credits, cell phone protection.
- Should I get the Capital One Venture X Rewards Credit Card or the Wells Fargo Autograph Journey Visa Credit Card?
- Use the spend scenarios on this page: the Wells Fargo Autograph Journey Visa Credit Card has a lower $95/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.