When you’re trying so as to add a mid-tier journey card to your pockets, the variety of choices out there to you possibly can really feel overwhelming.
Two strong playing cards are among the many standard selections: the Capital One Enterprise Rewards Credit score Card and the Wells Fargo Autograph Journey℠ Card (see charges and costs). These playing cards share many similarities but in addition supply distinctive perks for respective cardholders.
Each are available on the $95 annual charge threshold, permit you to earn journey rewards and include worthwhile advantages.
So which one must you go for? Let’s dive into the professionals and cons of every card to study extra.
Capital One Enterprise Rewards vs. Wells Fargo Autograph Journey card comparability
| Card | Wells Fargo Autograph Journey | Capital One Enterprise Rewards |
|---|---|---|
| Annual charge | $95 | $95 |
| Welcome bonus | Earn 60,000 bonus rewards factors after spending $4,000 within the first three months of account opening | Earn 75,000 bonus miles once you spend $4,000 on purchases inside the first three months from account opening, plus a $250 Capital One Journey credit score to make use of within the first 12 months |
| Incomes charges |
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| Different advantages |
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Capital One Enterprise Rewards vs. Wells Fargo Autograph Journey welcome supply
Each playing cards present priceless welcome bonuses of their respective currencies.
The supply is price as much as $1,638 (together with the journey credit score) primarily based on TPG’s March 2025 valuations of Capital One miles as price 1.85 cents per mile. This bonus might supply implausible worth.
The Autograph Journey, in the meantime, comes with 60,000 bonus factors after spending $4,000 within the first three months. These factors are price $960, primarily based on our March 2025 valuation of Wells Fargo Rewards factors at 1.6 cents apiece.
Winner: Enterprise Rewards. It has a extra priceless welcome supply than the Autograph Journey.
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Associated: The right way to redeem Capital One’s 75,000-mile welcome supply for max worth
Capital One Enterprise Rewards vs. Wells Fargo Autograph Journey advantages
In the meantime, the Autograph Journey comes with a $50 annual assertion credit score for airfare purchases, successfully decreasing the annual charge to $45 should you can make the most of that perk. Cardholders additionally obtain mobile phone safety .
This card additionally comes with entry to a profit known as Autograph Card Exclusives, which incorporates stay occasion tickets and different leisure experiences.
Winner: Enterprise Rewards. Regardless of the promise of the Autograph Journey’s perks, the Enterprise’s longer record of established advantages wins out.
Associated: One of the best bank cards for live performance tickets and VIP entry
Incomes miles on the Capital One Enterprise Rewards vs. the Wells Fargo Autograph Journey
This makes the Enterprise a strong possibility for nonbonus spending and card to decide on should you aren’t all in favour of memorizing bonus classes.
On the opposite aspect, the Autograph Journey has a lot broader bonus classes. With it, you may earn 5 factors per greenback spent on inns, 4 factors per greenback spent on airways, 3 factors per greenback spent on different journey and eating at eating places and 1 level per greenback spent on different purchases.
This card options larger bonus-earning alternatives throughout a number of standard classes. When you steadily spend in any of those bonus classes and wish to maximize your bills, this card is a superb selection.
Winner: Autograph Journey. Whereas we worth Wells Fargo factors to be price barely lower than Capital One miles, the extra bonus classes make up the distinction.
Redeeming miles on the Capital One Enterprise Rewards vs. the Wells Fargo Autograph Journey
You will get probably the most worth by transferring your miles to one among Capital One’s journey companions, however it’s also possible to redeem them for an announcement credit score to cowl journey purchases, for reward playing cards or for money again.
The Autograph Journey has a a lot smaller record of redemption choices and switch companions, however this system is newer and has added extra companions in the previous few years.
Winner: Enterprise Rewards. This might change if the Wells Fargo program continues to broaden, however for now, Capital One nonetheless has the sting.
Associated: Must you switch Capital One miles to companions or redeem immediately for journey?
Transferring miles with the Capital One Enterprise Rewards vs. the Wells Fargo Autograph Journey
And should you can make the most of a switch bonus, you may get much more worth out of your miles.
The Autograph Journey at present permits cardholders to switch factors to 6 airline applications, together with Air France-KLM Flying Blue, British Airways Govt Membership and Virgin Atlantic Flying Membership.
These are nice switch companions and TPG favorites, although the variety of choices is clearly a lot smaller than these out there with the Enterprise Rewards.
You will additionally have the ability to switch to a single lodge program, Selection Privileges, although that record will hopefully proceed to develop.
Winner: Enterprise Rewards. Once more, the present Wells Fargo switch lineup is not fairly at Capital One’s stage.
Associated: Wells Fargo Rewards switch companions: The right way to redeem your factors
Ought to I get the Capital One Enterprise Rewards or the Wells Fargo Autograph Journey?
If you’d like a longtime card with nice advantages and redemption choices, you may wish to go together with the Enterprise Rewards. You will get a robust incomes charge, the flexibility to make the most of Capital One’s switch companions and a few journey advantages for only a $95 annual charge.
If you’d like larger incomes charges, the Autograph Journey is a viable possibility price contemplating, particularly as Wells Fargo continues to develop its record of switch companions.
Backside line
Regardless of their variations, the Enterprise Rewards and the Autograph Journey are glorious journey rewards playing cards with priceless advantages and incomes charges for his or her mid-tier annual charge.
The Enterprise Rewards’ established record of perks and switch companions give it the sting, however the Autograph Journey might be proper there quickly, given its rising record of redemption choices.
Profiting from each playing cards might undoubtedly make sense, too, should you can deal with two $95 annual charges.
For added particulars, take a look at our Enterprise Rewards full evaluate and Autograph Journey full evaluate.
Be taught extra: Capital One Enterprise Rewards Credit score Card
Apply right here: Wells Fargo Autograph Journey
For Capital One merchandise listed on this web page, a few of the advantages could also be supplied by Visa® or Mastercard® and will differ by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
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