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Capital One Venture 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 Venture RewardsCapital One | Wells Fargo Reflect CardWells Fargo |
|---|---|---|
| Rating | 4.6/5 | 4/5 |
| Annual Fee | $95 | $0 |
| APR | 19.49% - 28.49% | 17.49% - 28.24% |
| Signup Bonus | 75,000 miles after spending $4,000 in 3 months, plus $250 Capital One Travel credit in first year | None |
| Rewards Rate | 5X on hotels and rental cars via Capital One Travel, 2X on every purchase | No rewards — this is a 0% intro APR card for balance transfers and purchases |
| Credit Score | good | good |
| Pros | 2X miles on every purchase with no category tracking 75,000 mile bonus plus $250 travel credit for new cardholders No foreign transaction fees and transfer to 15+ partners | 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 | $95 annual fee with no travel credits to offset 2X base rate trails Venture X's earning structure No lounge access or premium perks | 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 Venture Rewards
With a 4.6/5 rating, the Capital One Venture Rewards edges out the Wells Fargo Reflect Card (4/5). At $95/yr, the value proposition is strong. The Capital One Venture is the sweet spot between simplicity and travel rewards. Flat 2X miles on everything with transfer partners and no foreign transaction fees — all for $95/year.