Wells Fargo Active Cash® vs. Capital One SavorOne Student Cash Rewards

Easily compare up to three credit cards side by side with our intuitive comparison tool. Assess features, offers, and more to find the best fit for your financial needs.

Wells Fargo Active Cash<sup>®</sup> Card Wells Fargo Active Cash® Card Capital One SavorOne Student Cash Rewards Card Capital One SavorOne Student Cash Rewards Card
8.7MyCreditCardLab Score

MyCreditCardLab Score 8.7

We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score.

Annual Fee
10
Intro APR
9.4
Regular APR
9.6
Rewards
8.7
Benefits
7.9
Welcome Bonus
9
Recommended Credit Score: 8.5
Foreign Transaction Fee: 7.3
Cash Advance Fee: 9
Balance Transfer Fee: 7.8
9.1MyCreditCardLab Score

MyCreditCardLab Score 9.1

We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score.

Annual Fee
10
Intro APR
10
Regular APR
8.5
Rewards
8
Benefits
8.8
Welcome Bonus
8
Recommended Credit Score: 8.5
Foreign Transaction Fee: 10
Cash Advance Fee: 9.7
Balance Transfer Fee: 9.5
ANNUAL FEE
$0 $0
INTRO APR
0% intro APR on Purchases for first 15 months and 0% intro APR on Balance Transfers for first 15 months on qualifying balance transfers 0% on Purchases and Balance Transfers for 15 months
REGULAR APR
20.24%, 25.24%, or 29.99% Variable APR APR: 19.99%-29.99% Variable APR, Cash Advance APR: 29.99%, Variable
PROS
  • $300 annual travel credit is incredibly flexible
  • Generous welcome bonus
  • Get 50% more value when you redeem points for travel through Chase
  • Points Transfer to valuable airline and hotel partners
  • No annual fee
  • No foreign transaction fees
  • 3% cash back rewards on dining, entertainment, and groceries.
  • $50 Cash Back when you spend $100 in the first three months.
  • 0% intro APR on purchases and balance transfers for 15 months
CONS
  • Annual fee
  • No intro APR offer
  • Best travel earning rates are only for bookings through Chase
  • Low base rewards rate
  • May require a good credit score for approval.
  • There’s no introductory APR for new cardholders.
  • Limited rewards categories compared to other cards.
WELCOME BONUS
Earn a $200 cash rewards bonus after spending $500 in the first 3 months. Earn $50 Cash Back when you spend $100 in the first three months
REWARDS
Wells Fargo Active Cash® Card Rewards program is renowned for its flexibility in credit currency. Explore various redemption options for your earnings, including:
  • Wells Fargo Active Cash® Card earns unlimited 2% cash rewards on all purchases.
Capital One SavorOne Student Cash Rewards Card Rewards stand out as a remarkably versatile credit currency. You have the flexibility to redeem your earnings in various ways, including:
  • 3% cash back rewards on dining, entertainment, and groceries.
  • 8% Cash back on Capital One Entertainment purchases
  • Earn a generous 10% cash back on Uber and Uber Eats transactions, along with complimentary Uber One membership statement credits until 11/14/2024
BENEFITS
Cellphone protection - Get peace of mind with free cellphone protection. You get it when you pay your cellphone bill with the Active Cash card each month. It protects against damage and theft. It covers up to $600 per claim. The deductible is $25. Other cards have a $50 deductible. Visa perks - Unlock exclusive Visa perks with the Wells Fargo Active Cash® Card. Access Visa Concierge for help with travel, dining, and event tickets. Also, enjoy the Visa Signature Luxury Hotel Collection. It offers special benefits. These include room upgrades, free breakfast, and more at select hotels. Unlimited Cash Back - Earn unlimited 2% cash back on purchases with no categories or caps. 2% is a very good reward point. especially if you have daily or frequent online purchase so this card is best for you. earn reward points you can utilize for others you need. it's good saving for you. No Annual Fee - Experience the card's benefits without worrying about an annual fee. Introductory APR - You benefit from an introductory APR on purchases and balance transfers. It lasts for first 15 months. Also for balance transfer 3% for 120 days from account opening. Generous Cash Back Rewards - Earn unlimited cash back on every purchase. Earn bonus rewards. They are for popular categories like dining, entertainment, and groceries. No Annual Fee - Enjoy all the card benefits. There's no annual fee. It's a cheap option for students, Small Business Owners and Cash Back Seekers. Introductory APR - Benefit from a 0% introductory APR on purchases for the first 15-month period, allowing you to make buy and pay them off over time without accruing interest. This 0% benefit helps you buy everything you need to start your student career. Exclusive Access to Uber Rewards - Earn 10% cash back on Uber and Uber Eats purchases, along with complimentary Uber One membership statement credits until a specified date. Student-Friendly Features - Capital One offers various student-friendly features, including credit monitoring tools, flexible payment options, and access to Capital One CreditWise for tracking your credit health.
CASH ADVANCE FEE / APR
29.99% variable, plus a fee of either $10 or 5% of the amount of each transaction, whichever is greater 5% of the amount of the cash advance, but not less than $5
BALANCE TRANSFER FEE
21.49%–28.49% variable, plus a fee of either $5 or 5% of the amount of each transfer, whichever is greater 0% on Purchases and Balance Transfers for 15 months, and then the ongoing APR of 19.99% - 29.99% Variable APR
RECOMMENDED CREDIT SCORE
690 - 850 (Fair - Exceptional) 630 - 689 (Poor - Fair)
FOREIGN TRANSACTION FEE
3% None
BEST FOR
  • Travelers
  • Cash Back Seekers
  • Everyday Spending
  • Online Shopping
  • Rewards Points Enthusiasts
  • Cash Back Seekers
  • Students
  • Everyday Spending
  • Entertainment
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