Capital One Venture Rewards Credit Card vs. Wells Fargo Active Cash Card
On the criteria below, Capital One Venture Rewards Credit Card wins 3 of 4. The verdict depends on which criteria matter to you.
Capital One Venture Rewards Credit Card
Capital One
Wells Fargo Active Cash Card
Wells Fargo
Capital One Venture Rewards Credit Card wins 3 of 4 criteria here, making it the stronger all-rounder.
Capital One Venture Rewards Credit Card wins on first-year math, earning ceiling, and foreign transactions; Wells Fargo Active Cash Card wins on annual fee.
Pick the Capital One Venture Rewards Credit Card if year-one math is your priority; take the Wells Fargo Active Cash Card if you want a cheaper card to keep long-term.
Who wins what
3 vs 1- First-year math Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card wins on bonus value minus annual fee.
- Annual fee Wells Fargo Active Cash Card
Wells Fargo Active Cash Card is $95 cheaper to keep.
- Earning ceiling Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card earns more on its best category (5× vs 0×).
- Foreign transactions Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- $95
- Free
- Welcome offer (typical value)
- $1,125
- $200
- First-year net
- +$1,030
- +$200
- Peak earning rate
- 5×
- —
- Top categories
- Travel Portal, Capital One Entertainment
- —
- Lounge access
- No
- No
- Travel insurance
- Yes
- Yes
- Elite status
- Yes
- No
- Foreign transaction fee
- None
- 3.00%
- Reward currency
- Capital One Miles
- Cashback
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.