Capital One
Capital One SavorOne Cash Rewards
Credit cards
$0/yrAnnual fee
Explore this product Your shortlist, side by side
Capital One SavorOne Cash Rewards vs Wells Fargo Active Cash Card
Find the differences that matter for your next decision.
Wells Fargo
Wells Fargo Active Cash Card
Credit cards
$0/yrAnnual fee
Explore this product What matters most to you?
Start with all rankable specifications, or focus on a particular use.
Your starting point
Buy the Capital One SavorOne Cash Rewards.
- Leads 3 of 3 rankable overall specs.
- Rewards rate: 3% dining, entertainment, popular streaming… vs Unlimited 2% cash rewards on purchases
How we reached this
We compare the published specifications relevant to your priority. Each rankable specification counts once; your selected requirements can rule a product out. This is a guide to the numbers, not a laboratory performance score.
Regular APR: 19.24% – 29.24% Variable APR vs 20.24%, 25.24%, or 29.99% Variable APR
Same annual fee, so the spec lead is the whole story.
The trade-off to know
Capital One SavorOne Cash Rewards: No airport lounge access or luxury travel perks
Look at the differences ↓Refine your requirements
What would rule one out?
Side by side
The differences, in detail.
Start with the key specs, then explore as much as you need.
| What you’re comparing | Capital One SavorOne Cash Rewards | Wells Fargo Active Cash Card |
|---|---|---|
| Annual feeFees & Rates | $0 | $0 |
| Regular APRFees & Rates | 19.24% – 29.24% Variable APR | 20.24%, 25.24%, or 29.99% Variable APR |
| Foreign transaction feeFees & Rates | None (0%) | 3% of each transaction in U.S. dollars |
| Rewards rateRewards & Perks | 3% dining, entertainment, popular streaming & grocery stores; 1% all other purchases | Unlimited 2% cash rewards on purchases |
| Sign-up bonusRewards & Perks | $200 cash bonus after spending $500 in first 3 months | $200 cash rewards bonus after spending $500 in purchases in the first 3 months |
Showing 5 of 10 specifications. Missing values stay unlisted. About the sources
Both sides of the decision
What you gain. What you give up.
Capital One SavorOne Cash Rewards
Reasons to choose it
- $0 annual fee and no foreign transaction fees
- Unlimited 3% cash back on dining, entertainment, grocery stores, and popular streaming
- 0% intro APR on purchases and balance transfers for 15 months
Worth considering
- No airport lounge access or luxury travel perks
- Requires Good to Excellent credit score
Wells Fargo Active Cash Card
Reasons to choose it
- Unlimited 2% flat cash rewards on all purchases with no categories to track
- Up to $600 cellular telephone protection against damage or theft (subject to $25 deductible)
- 0% intro APR on purchases and qualifying balance transfers for 15 months
Worth considering
- 3% foreign transaction fee
- Lacks bonus multiplier categories for high spenders in dining or travel
Beyond the spec sheet
Living with your choice.
Explore the ownership details available for this pair.
Know what’s behind the comparison
Published specs. Visible sources.
Clinchmark compares manufacturer specifications and other published information. We have not independently lab-tested these products. Editorial assessments and unknown values are identified in the specification details.
Catalog snapshot: September 1, 2026. Prices, availability, and provider terms can change.
Still weighing it up?
Which card has the lower annual fee, Capital One SavorOne Cash Rewards or Wells Fargo Active Cash Card?
Both charge the same annual fee.
What is the biggest catch with the Capital One SavorOne Cash Rewards or Wells Fargo Active Cash Card?
Wells Fargo Active Cash Card has this deal-breaker: foreign transaction fee. Adds about 3% to every purchase abroad.
Which is better for travel, the Capital One SavorOne Cash Rewards or the Wells Fargo Active Cash Card?
For travel, buy the Capital One SavorOne Cash Rewards. Leads 2 of 2 rankable travel specs. Rewards rate: 3% dining, entertainment, popular streaming… vs Unlimited 2% cash rewards on purchases
What cannot be compared from spec sheets?
Of the 10 specs tracked here, 7 are descriptive and cannot be ranked on numbers alone. Spec sheets also cannot measure subjective factors like build quality, real-world performance, or comfort.