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Capital One Platinum vs Wells Fargo Autograph

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric: Wells Fargo Autograph leads by 21.9 pts. Scores: Capital One Platinum 47.7%, Wells Fargo Autograph 69.6%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Capital One Platinum nets $0/yr, Wells Fargo Autograph nets $427/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

• Annual feePlatinum: 10.0 · Autograph: 10.0
• Rewards ratePlatinum: 0.0 · Autograph: 5.0
• Sign-up bonusPlatinum: 0.0 · Autograph: 2.7
• Intro 0% APRPlatinum: 0.0 · Autograph: 5.7
• Regular APRPlatinum: 3.4 · Autograph: 7.3
• Foreign transaction feePlatinum: 10.0 · Autograph: 10.0
• Regulatory record (CFPB)Platinum: 10.0 · Autograph: 8.0

Downsides

• Capital One Platinum47.7%
  Capital One · no annual fee
  Annual fee $0APR 29.24% variableRewards 0% baseCredit no credit score, ≤619 (CFPB TCCP targeted tiers)

  ⚠ APR up to 29.24% if you carry a balance · Late fee up to $40

• Wells Fargo Autograph69.6%
  Wells Fargo · no annual fee
  Annual fee $0APR 18.74%–28.74% variableRewards 3x restaurants, travel, gas & transit, streaming, phone plans; 1x otherCredit 620–719, 720+ (CFPB TCCP targeted tiers)

  ⚠ APR up to 28.74% if you carry a balance · 3x on phone plans counted under utilities.

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

Which is better, Capital One Platinum or Wells Fargo Autograph?

On VaultRubric's rubric: Wells Fargo Autograph scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.