Capital One Venture Rewards vs Wells Fargo Autogra...

When you’re trying so as to add a mid-tier travel card to your pockets, the variety of choices accessible to you’ll be able to really feel overwhelming.

Two strong playing cards are among the many well-liked selections: the Capital One Venture Rewards Credit Card and the Wells Fargo Autograph Journey℠ Card (see rates and fees). These playing cards share many similarities but in addition provide unique perks for respective cardholders.

Each are available in on the $95 annual fee threshold, can help you earn travel rewards and include worthwhile benefits.

So which one do you have to go for? Let’s dive into the professionals and cons of every card to study extra.

The Venture Rewards comes with a welcome provide of 75,000 bonus miles if you spend $4,000 on purchases throughout the first three months from account opening, plus a $250 Capital One Journey credit score to make use of within the first yr.

The provide is value as much as $1,638 (together with the journey credit score) based mostly on TPG’s March 2025 valuations of Capital One miles as value 1.85 cents per mile. This bonus may provide improbable worth.

The Autograph Journey, in the meantime, comes with 60,000 bonus factors after spending $4,000 within the first three months. These factors are value $960, based mostly on our March 2025 valuation of Wells Fargo Rewards factors at 1.6 cents apiece.

Winner: Enterprise Rewards. It has a extra useful welcome provide than the Autograph Journey.

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Associated: How to redeem Capital One’s 75,000-mile welcome offer for maximum value

The Venture Rewards comes with an up-to-$120 credit score for TSA PreCheck or Global Entry, plus journey accident insurance coverage and an auto rental collision injury waiver, prolonged guarantee safety and entry to Capital One’s Lifestyle Collection of accommodations and Capital One Entertainment.

In the meantime, the Autograph Journey comes with a $50 annual assertion credit score for airfare purchases, successfully reducing the annual price to $45 in the event you can reap the benefits of that perk. Cardholders additionally obtain cellular telephone protection .

This card additionally comes with entry to a profit referred to as Autograph Card Exclusives, which incorporates stay occasion tickets and different leisure experiences.

Winner: Enterprise Rewards. Regardless of the promise of the Autograph Journey’s perks, the Enterprise’s longer listing of established advantages wins out.

Associated: The best credit cards for concert tickets and VIP access

With the Venture Rewards, you will earn 5 miles per greenback spent on accommodations, trip leases and rental automobiles booked by means of Capital One Travel and a couple of miles per greenback spent on all different purchases.

This makes the Enterprise a strong possibility for nonbonus spending and an excellent card to decide on in the event you aren’t taken with memorizing bonus classes.

On the opposite aspect, the Autograph Journey has a lot broader bonus classes. With it, you will earn 5 factors per greenback spent on accommodations, 4 factors per greenback spent on airways, 3 factors per greenback spent on different journey and eating at eating places and 1 level per greenback spent on different purchases.

This card options greater bonus-earning alternatives throughout a number of well-liked classes. When you incessantly spend in any of those bonus classes and need to maximize your bills, this card is a superb alternative.

Winner: Autograph Journey. Whereas we worth Wells Fargo factors to be value barely lower than Capital One miles, the extra bonus classes make up the distinction.

The Venture Rewards earns extraordinarily useful Capital One miles, supplying you with a bevy of redemption choices that make the miles value about 1.85 cents apiece, per our March 2025 valuations.

You will get probably the most worth by transferring your miles to certainly one of Capital One’s travel partners, however you too can redeem them for a statement credit to cover travel purchases, for present playing cards or for money again.

The Autograph Journey has a a lot smaller listing of redemption choices and switch companions, however this system is newer and has added extra companions in the previous few years.

Winner: Enterprise Rewards. This might change if the Wells Fargo program continues to broaden, however for now, Capital One nonetheless has the sting.

Associated: Should you transfer Capital One miles to partners or redeem directly for travel?

The Venture Rewards means that you can transfer your miles to any of Capital One’s 15-plus lodge and airline companions, together with useful choices like Avianca LifeMiles, British Airways Executive Club and Turkish Airlines Miles&Smiles.

And in the event you can reap the benefits of a switch bonus, you will get much more worth out of your miles.

The Autograph Journey presently permits cardholders to switch factors to 6 airline applications, together with Air France-KLM Flying Blue, British Airways Executive Club and Virgin Atlantic Flying Club.

These are nice switch companions and TPG favorites, although the variety of choices is clearly a lot smaller than these accessible with the Enterprise Rewards.

You will additionally be capable of switch to a single lodge program, Choice Privileges, although that listing will hopefully proceed to develop.

Winner: Enterprise Rewards. Once more, the present Wells Fargo switch lineup is not fairly at Capital One’s degree.

Associated: Wells Fargo Rewards transfer partners: How to redeem your points

If you would like a longtime card with nice advantages and redemption choices, you will need to go along with the Venture Rewards. You will get a powerful incomes fee, the flexibility to reap the benefits of Capital One’s switch companions and a few journey advantages for only a $95 annual price.

If you would like greater incomes charges, the Autograph Journey is a viable possibility value contemplating, particularly as Wells Fargo continues to develop its listing of switch companions.

For added particulars, take a look at our Venture Rewards full review and Autograph Journey full review.

Be taught extra: Capital One Venture Rewards Credit Card
Apply right here: Wells Fargo Autograph Journey

For Capital One merchandise listed on this web page, a number of the advantages could also be supplied by Visa® or Mastercard® and should fluctuate by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.