Autograph vs Savor
By Quy Dinh · Updated Oct 25, 2026
The short answer
Both cost $0 and charge no foreign transaction fee, so it comes down to what you spend on. The Autograph pays 3x on dining, travel, gas and EV charging, transit, streaming and phone plans, but 1x on groceries. The Savor pays 3% on dining, groceries, streaming and entertainment.
If groceries are a big part of your budget, the Savor. If you drive, commute or travel a lot, the Autograph, whose points can also go to Wells Fargo’s airline and hotel partners.
Pick the Autograph if
- You spend on gas, transit and travel
- You pay a phone bill
- You want points that transfer to airlines
Pick the Savor if
- Groceries are a big expense
- You spend on entertainment
- You have a Venture or Venture X
Side by side
| Feature |  Wells Fargo |  Capital One |
|---|---|---|
| In one line | One of the most generous $0 cards: 3x on restaurants, travel, gas and EV charging, transit, streaming and phone plans, with no foreign transaction fee. | One of the best $0 cards for food and fun: 3% back on dining, entertainment, streaming and groceries, with no caps. |
| Annual fee | $0 | $0 |
| Statement credits | 0 credits | 0 credits |
| How it earns |
|
|
| Lounge access | None | None |
| Welcome offer | 20,000 bonus points after you spend $1,000 on purchases in the first 3 months, which Wells Fargo values at $200 in cash. | $200 cash bonus after you spend $500 on purchases in the first 3 months. |
| Counts toward Chase 5/24 | Yes | Yes |
Credits are counted at their full cash value; see each card’s page for how each one works and which need activation. Offers change; the bank’s page has the current one.
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