Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the Capital One Quicksilver Cash Rewards Credit Card (no annual fee) and the Wells Fargo Autograph® Card (no annual fee) comes down to where you spend most. Both cards can deliver real value. Let’s break it down, then run your numbers to find the winner.
Unlimited 1.5% cash back on all purchases, 5% on Capital One Travel bookings. Earns a solid 1.5% on everything else.
Perfect if: You're comfortable booking through the issuer's own site for the best rate.
Apply NowStrongest in travel at 3%. 3x points on restaurants, travel, gas, transit, streaming, and phone plans.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Capital One Quicksilver Cash Rewards Credit Card | Wells Fargo Autograph Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $200 after $500 spend in 3 months | 20,000 points after $1,000 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1.5% | 1% |
| Travel Rewards | 1.5% | 3% |
| Dining Rewards | 1.5% | 3% |
| Gas Rewards | 1.5% | 3% |
| Rates with conditions not counted in the rows above |
5% through Capital One Travel Earns 5% only on hotels and rental cars booked through Capital One Travel, Capital One's own booking site. Travel booked anywhere else earns the flat 1.5%. |
None |
| Key Benefits | Unlimited 1.5% cash back on all purchases, 5% on Capital One Travel bookings. | 3x points on restaurants, travel, gas, transit, streaming, and phone plans. |
Capital One Quicksilver Cash Rewards Credit Card pulls ahead for groceries spending.
Wells Fargo Autograph Card wins on travel, dining, gas.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.