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Capital One Savor Cash Rewards vs Wells Fargo Reflect Card
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Capital One Savor Cash RewardsCapital One | Wells Fargo Reflect CardWells Fargo |
|---|---|---|
| Rating | 4.4/5 | 4/5 |
| Annual Fee | $0 | $0 |
| APR | 18.49% - 28.49% | 17.49% - 28.24% |
| Signup Bonus | $200 cash bonus after spending $500 in 3 months | None |
| Rewards Rate | 3% on dining, entertainment, grocery stores, and popular streaming, 1% on everything else | No rewards — this is a 0% intro APR card for balance transfers and purchases |
| Credit Score | good | good |
| Pros | 3% back on dining, entertainment, groceries, and streaming with no annual fee 0% intro APR for 12 months on purchases and balance transfers No foreign transaction fees | 0% intro APR for 21 months on purchases and balance transfers — longest on the market $0 annual fee Cell phone protection up to $600 per claim |
| Cons | Only 1% on non-category purchases No premium travel perks 3% categories less competitive than Amex Gold's 4% | No rewards program at all Balance transfer fee applies No signup bonus |
| View Details → | View Details → |
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Verdict
Our Pick: Capital One Savor Cash Rewards
With a 4.4/5 rating, the Capital One Savor Cash Rewards edges out the Wells Fargo Reflect Card (4/5). No annual fee makes it easy to justify. The Capital One Savor (formerly SavorOne) is the best no-fee card for dining and entertainment. With 3% back on food, fun, and groceries plus no foreign transaction fees, it's a strong everyday carry.