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2 of 4 cards. Side by side on fees, welcome offers, earn rates and benefits.

All detailsDifferences only

Credit card comparison
Overview
	Capital One Venture X Rewards Credit Card Capital One · $395/yr	Wells Fargo Autograph Visa Credit Card Wells Fargo · No annual fee
Annual fee	$395	$0 Lowest
Welcome offerCurrent public offer	75,000 miles	20,000 points
Rewards	Capital One Miles	Wells Fargo Go Far Rewards
Foreign transaction fee	None	None
Network	Visa Infinite	Visa Signature
Earn ratesPer $1 spent
Dining	2x	3x Highest
Gas Stations	2x	3x Highest
Streaming	2x	3x Highest
Telecom	2x	3x Highest
Transit	2x	3x Highest
Travel	2x	3x Highest
Flights	2x Highest	1x
Hotels	2x Highest	1x
Everything else	2x Highest	1x
Statement creditsAs the issuer states them · — means none on record
Travel	$300 travel credit $120 Global Entry/TSA PreCheck · $120 every 4 years	—
Perks & access— means none on record
Lounges	Free Capital One Lounge access at 6 major airports Free Priority Pass Select with Over 1,300 Lounge Locations	—
Hotel status & programs	$50 Lifestyle Collection Premier Collection Hotels with $100 Credit and Daily	Visa Signature Luxury Hotel Collection elite benefits
Car rental	Complimentary Hertz President's Circle top-tier status	—
Other perks	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	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 Show 3 more 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	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	—
Baggage	Lost Luggage Reimbursement Up to $3,000/Passenger Cover	—
Rental car	Primary Auto Rental Collision Damage Waiver Up to $75,000	$50,000 auto rental collision damage waiver
Purchase & returns	Up to $10K purchase protection Up to $300 return protection	—
Extended warranty	Extended Warranty Protection up to $10,000 per claim	—
Cell phone	$800 cell phone protection when paying wireless bill	Cellular Telephone Protection · up to $600 Up to $600 per claim cell phone damage and theft protection
Other protections	Flexible Flight Cancellation Protection Up To 3 Hours Before Travel Price Match and Cover for Capital One Travel Bookings	Free monthly FICO credit score updates with Credit Close-Up
Pros & cons
Pros	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	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	$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	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
	Card details	Card details

Capital One Venture X Rewards Credit Card
Capital One · $395/yr
Wells Fargo Autograph Visa Credit Card
Wells Fargo · No annual fee

Overview

Annual fee: Capital One Venture X Rewards Credit Card
$395
Wells Fargo Autograph Visa Credit Card
$0
Lowest
Welcome offerCurrent public offer: Capital One Venture X Rewards Credit Card
75,000 miles
Wells Fargo Autograph Visa Credit Card
20,000 points
Rewards: Capital One Venture X Rewards Credit Card
Capital One Miles
Wells Fargo Autograph Visa Credit Card
Wells Fargo Go Far Rewards
Foreign transaction fee: Capital One Venture X Rewards Credit Card
None
Wells Fargo Autograph Visa Credit Card
None
Network: Capital One Venture X Rewards Credit Card
Visa Infinite
Wells Fargo Autograph Visa Credit Card
Visa Signature

Earn ratesPer $1 spent

Dining: Capital One Venture X Rewards Credit Card
2x
Wells Fargo Autograph Visa Credit Card
3x
Highest
Gas Stations: Capital One Venture X Rewards Credit Card
2x
Wells Fargo Autograph Visa Credit Card
3x
Highest
Streaming: Capital One Venture X Rewards Credit Card
2x
Wells Fargo Autograph Visa Credit Card
3x
Highest
Telecom: Capital One Venture X Rewards Credit Card
2x
Wells Fargo Autograph Visa Credit Card
3x
Highest
Transit: Capital One Venture X Rewards Credit Card
2x
Wells Fargo Autograph Visa Credit Card
3x
Highest
Travel: Capital One Venture X Rewards Credit Card
2x
Wells Fargo Autograph Visa Credit Card
3x
Highest
Flights: Capital One Venture X Rewards Credit Card
2x
Highest
Wells Fargo Autograph Visa Credit Card
1x
Hotels: Capital One Venture X Rewards Credit Card
2x
Highest
Wells Fargo Autograph Visa Credit Card
1x
Everything else: Capital One Venture X Rewards Credit Card
2x
Highest
Wells Fargo Autograph Visa Credit Card
1x

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
Show 3 more
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

Card details

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