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Capital One VentureOne 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: Capital One VentureOne leads by 4.8 pts. Scores: Capital One VentureOne 74.4%, 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 VentureOne nets $288/yr, Wells Fargo Autograph nets $427/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

Annual feeVentureOne: 10.0 · Autograph: 10.0
Rewards rateVentureOne: 5.0 · Autograph: 5.0
Sign-up bonusVentureOne: 2.7 · Autograph: 2.7
Intro 0% APRVentureOne: 7.1 · Autograph: 5.7
Regular APRVentureOne: 7.3 · Autograph: 7.3
Foreign transaction feeVentureOne: 10.0 · Autograph: 10.0
Regulatory record (CFPB)VentureOne: 10.0 · Autograph: 8.0

Capital One VentureOne

IssuerCapital One
Typeno annual fee
Annual fee$0 capitalone.com, 2026-10-12
Regular purchase APR18.74%–28.74% variable capitalone.com, 2026-10-12
Rewards1.25% base capitalone.com, 2026-10-12
Sign-up bonus (≈$)$200 20,000 bonus miles after $500 in 3 months (valued at 1¢) capitalone.com, 2026-10-12
Intro APR15 months 0% intro APR for 15 months on purchases and balance transfers capitalone.com, 2026-10-12
Foreign transaction feenone files.consumerfinance.gov, 2025-12-31
Penalty APRnone No penalty APR appears in the issuer's CFPB-filed agreement (only penalty fees are listed) consumerfinance.gov, 2026-06-30
Late feeup to $40 up to; Up to $29.00 for first late fee. files.consumerfinance.gov, 2025-12-31
Balance transfer fee3% files.consumerfinance.gov, 2025-12-31
Cash advance fee5% files.consumerfinance.gov, 2025-12-31
Credit needed720+ (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31
Grace period25 days files.consumerfinance.gov, 2025-12-31
Cash advance APR29.24% 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 Autograph

IssuerWells Fargo
Typeno annual fee
Annual fee$0 creditcards.wellsfargo.com, 2026-10-11
Regular purchase APR18.74%–28.74% variable creditcards.wellsfargo.com, 2026-10-11
Rewards3x restaurants, travel, gas & transit, streaming, phone plans; 1x other creditcards.wellsfargo.com, 2026-10-11
Sign-up bonus (≈$)$200 20,000 points after $1,000 in 3 months ($200 cash value) creditcards.wellsfargo.com, 2026-10-11
Intro APR12 months 0% intro APR 12 months on purchases creditcards.wellsfargo.com, 2026-10-11
Foreign transaction feenone creditcards.wellsfargo.com, 2026-10-11
Penalty APRnone No penalty APR appears in the issuer's CFPB-filed agreement (only penalty fees are listed) consumerfinance.gov, 2026-06-30
Late feenot found files.consumerfinance.gov, 2025-12-31
Balance transfer feenot found files.consumerfinance.gov, 2025-12-31
Cash advance feenot found files.consumerfinance.gov, 2025-12-31
Credit needed620–719, 720+ (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31
Grace period25 days files.consumerfinance.gov, 2025-12-31
Cash advance APR29.49% 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 VentureOne74.4%
Capital One · no annual fee
Annual fee $0APR 18.74%–28.74% variableRewards 1.25% baseCredit 720+ (CFPB TCCP targeted tiers)
⚠ APR up to 28.74% 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 VentureOne or Wells Fargo Autograph?

On VaultRubric's rubric: Capital One VentureOne 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.