New: Compare up to 3 cards side-by-side instantly Compare now →
Capital One Venture X vs Wells Fargo Reflect Card
Side-by-side comparison of fees, rewards, benefits, and more.
[ 01 / 02 ]
·
Feature Comparison
| Feature | Capital One Venture XCapital One | Wells Fargo Reflect CardWells Fargo |
|---|---|---|
| Rating | 4.9/5 | 4/5 |
| Annual Fee | $395 | $0 |
| APR | 19.49% - 28.49% | 17.49% - 28.24% |
| Signup Bonus | 75,000 miles after spending $4,000 in 3 months | None |
| Rewards Rate | 10X on hotels/cars via Capital One Travel, 5X on flights via Capital One Travel, 2X on everything else | No rewards — this is a 0% intro APR card for balance transfers and purchases |
| Credit Score | excellent | good |
| Pros | Priority Pass + Capital One Lounges access $300 annual travel credit makes effective fee $95 10,000 bonus miles every anniversary | 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 | $395 annual fee upfront Travel credit only through Capital One portal Lounge guest access now costs $45/adult as of Feb 2026 | No rewards program at all Balance transfer fee applies No signup bonus |
| View Details → | View Details → |
[ 02 / 02 ]
·
Verdict
Our Pick: Capital One Venture X
With a 4.9/5 rating, the Capital One Venture X edges out the Wells Fargo Reflect Card (4/5). At $395/yr, the value proposition is strong. The Venture X punches way above its weight. With $300 in travel credits, lounge access, and 10K anniversary miles, the effective cost is just $95 — rivaling cards that cost twice as much.