Rubric ☰ Compare Categories Calculators Markets Ask How scoring works Home › Credit cards › Compare › Capital One Savor vs Wells Fargo Active Cash
Capital One Savor vs Wells Fargo Active Cash 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: Capital One Savor leads by 12.0 pts. Scores: Capital One Savor 73.9%, Wells Fargo Active Cash 61.9%.
At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Capital One Savor nets $430/yr , Wells Fargo Active Cash nets $461/yr after annual fees. Use your own numbers →
Criterion scores (0–10) Annual fee Savor: 10.0 · Cash: 10.0 Rewards rate Savor: 6.0 · Cash: 8.0 Sign-up bonus Savor: 2.7 · Cash: 1.3 Intro 0% APR Savor: 5.7 · Cash: 5.7 Regular APR Savor: 7.3 · Cash: 7.3 Foreign transaction fee Savor: 10.0 · Cash: 3.0 Regulatory record (CFPB) Savor: 10.0 · Cash: 8.0 Capital One Savor Issuer Capital One Type cash back Annual fee $0 capitalone.com, 2026-10-11 Regular purchase APR 18.74%–28.74% variable capitalone.com, 2026-10-11 Rewards 3% dining, entertainment, streaming, grocery; 5% Capital One Travel hotels/rentals; 1% other capitalone.com, 2026-10-11 Sign-up bonus (≈$) $200 $200 after $500 in 3 months capitalone.com, 2026-10-11 Intro APR 12 months 0% intro APR 12 months on purchases and balance transfers capitalone.com, 2026-10-11 Foreign transaction fee none capitalone.com, 2026-10-11 Penalty APR none No penalty APR appears in the issuer's CFPB-filed agreement (only penalty fees are listed) consumerfinance.gov, 2026-06-30 Late fee up to $40 up to; Up to $29.00 for first late fee. files.consumerfinance.gov, 2025-12-31 Balance transfer fee 3% files.consumerfinance.gov, 2025-12-31 Cash advance fee 5% files.consumerfinance.gov, 2025-12-31 Credit needed Excellent capitalone.com, 2026-10-11 Grace period 25 days files.consumerfinance.gov, 2025-12-31 Cash advance APR 29.24% files.consumerfinance.gov, 2025-12-31 CFPB survey APR (2025-12-31) 18.74%–29.24% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer Wells Fargo Active Cash Issuer Wells Fargo Type cash back Annual fee $0 creditcards.wellsfargo.com, 2026-10-11 Regular purchase APR 18.74%–28.74% variable creditcards.wellsfargo.com, 2026-10-11 Rewards Unlimited 2% cash rewards on purchases creditcards.wellsfargo.com, 2026-10-11 Sign-up bonus (≈$) $100 $100 after $500 in 3 months creditcards.wellsfargo.com, 2026-10-11 Intro APR 12 months 0% intro APR 12 months on purchases and qualifying balance transfers creditcards.wellsfargo.com, 2026-10-11 Foreign transaction fee 3% 3% of each transaction converted to U.S. dollars wellsfargo.com, 2026-10-11 Penalty APR none No penalty APR appears in the issuer's CFPB-filed agreement (only penalty fees are listed) consumerfinance.gov, 2026-06-30 Late fee not found files.consumerfinance.gov, 2025-12-31 Balance transfer fee not found files.consumerfinance.gov, 2025-12-31 Cash advance fee not found files.consumerfinance.gov, 2025-12-31 Credit needed 620–719, 720+ (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31 Grace period 25 days files.consumerfinance.gov, 2025-12-31 Cash advance APR 29.49% files.consumerfinance.gov, 2025-12-31 CFPB survey APR (2025-12-31) 18.49%–28.49% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer Downsides Capital One · cash back Annual fee $0 APR 18.74%–28.74% variable Rewards 3% dining, entertainment, streaming, grocery; 5% Capital One Travel hotels/rentals; 1% other Credit Excellent
⚠ APR up to 28.74% if you carry a balance · Late fee up to $40 · Grocery 3% excludes superstores like Walmart/Target per issuer terms.
Wells Fargo · cash back Annual fee $0 APR 18.74%–28.74% variable Rewards Unlimited 2% cash rewards on purchases Credit 620–719, 720+ (CFPB TCCP targeted tiers)
⚠ 3% foreign transaction fee · APR up to 28.74% if you carry a balance
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FAQ Which is better, Capital One Savor or Wells Fargo Active Cash? On VaultRubric's rubric: Capital One Savor 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.