Wells Fargo Active Cash® Card
vs. Capital One SavorOne Cash Rewards Credit Card

Both the Wells Fargo Active Cash card and the Capital One SavorOne Cash Rewards Credit card offer compelling cash back rewards and introductory APR periods, which is likely why you're considering them. If maximizing cash back on every purchase is your priority, the Wells Fargo Active Cash edges ahead with its flat-rate rewards on all purchases.

However, if your spending is more focused on dining, entertainment and groceries, the SavorOne Cash's higher cash back rates in these categories could be more beneficial. Neither card is a co-branded or store card, ensuring that rewards are not tied to specific retailers. While both cards are excellent, the Wells Fargo Active Cash's simplicity and higher overall cash back rate make it the standout choice for general spending.

You might prefer the Wells Fargo Active Cash Card if you value simplicity in your rewards program. With a flat 2% cash rewards on all purchases and a lower spending threshold to earn the welcome bonus, it's a straightforward choice for consistent cash back earnings across all spending categories.

You might prefer the SavorOne Cash if your spending is concentrated on dining, entertainment and travel. With higher cash back rates in these categories and additional perks like 8% back on Capital One Entertainment purchases, it's tailored for those who frequently indulge in these experiences.

Evaluating APRs, fees, credit requirements, rewards, introductory offers and other features will illuminate which card matches your financial needs. For instance, if dining and entertainment are where you spend most, SavorOne Cash's higher cash back in those categories could sway your choice. Conversely, Active Cash's flat-rate rewards on all purchases might be more beneficial for varied spending.

The Wells Fargo Active Cash simplifies earning with an unlimited 2% cash rewards on purchases. It's a straightforward choice for those who value consistent rewards rates across all spending without having to track specific categories.

The SavorOne Cash caters to those who dine out frequently or spend on entertainment, offering 3% cash back in these areas. It also rewards travel bookings through Capital One Travel with a generous 5% cash back and 8% on Capital One Entertainment purchases. While its 1% cash back on other purchases is lower, the targeted bonuses can outweigh this if your spending aligns with these categories. Neither card charges an annual fee.

Following this section, you'll find a detailed table of bonus categories for the two cards.

Both the Wells Fargo Active Cash and SavorOne Cash cards offer cash back rewards without expiration as long as the account remains active. With the Wells Fargo Active Cash, you can redeem your cash rewards in various ways, including direct deposits and ATM withdrawals, starting at $20 increments.

The SavorOne Cash card allows for more flexible redemption options, such as setting automatic redemptions and using cash back to book travel through Capital One. Neither card restricts the amount of cash back you can earn, and both ensure that your rewards remain valid for the life of the account.

MoneyGeek evaluates credit cards like the Wells Fargo Active Cash and the SavorOne Cash for various use cases, with each card receiving scores in categories such as balance transfers and cash back. In this comparison, both cards are assessed for their performance in the cash back category.

The important factors in determining their cash back scores are the effective reward rate, which carries the most weight, and the return on investment for offers. Other considerations include annual fees and issuer satisfaction. For a detailed understanding of our scoring process, you can review our ranking methodology.