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Capital One SavorOne 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 SavorOne Cash RewardsCapital One | Wells Fargo Reflect CardWells Fargo |
|---|---|---|
| Rating | 4.1/5 | 4/5 |
| Annual Fee | $39 | $0 |
| APR | 18.49% - 28.49% | 17.49% - 28.24% |
| Signup Bonus | None | None |
| Rewards Rate | 3% on dining, entertainment, grocery stores, and popular streaming, 5% on hotels and rental cars via Capital One Travel, 1% on everything else | No rewards — this is a 0% intro APR card for balance transfers and purchases |
| Credit Score | good | good |
| Pros | 3% on dining, entertainment, groceries, and streaming 5% on hotels and rental cars via Capital One Travel 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 | $39 annual fee (the Savor at $0 may be better for some) No signup bonus Only 1% on non-category purchases | 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 SavorOne Cash Rewards
With a 4.1/5 rating, the Capital One SavorOne Cash Rewards edges out the Wells Fargo Reflect Card (4/5). At $39/yr, the value proposition is strong. The SavorOne offers the same 3% categories as the Savor but with a $39 annual fee and 5% on Capital One Travel hotels. A decent option if you want the travel portal boost.