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

Shield Insurance

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Both the Wells Fargo Active Cash card and the Capital One Savor 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 Savor 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.

Credit Card logo for Wells Fargo Active Cash® Card
Wells Fargo Active Cash® Card
Credit Card logo for Capital One Savor Cash Rewards Credit Card
Capital One Savor Cash Rewards Credit Card
MoneyGeek Rating
5/ of 5
MoneyGeek Rating
4.7/ of 5
On Issuer's Site
On Issuer's Site

Which Card Is Better for You?

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 Savor 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.

Head-to-Head Comparison: Card Details and Features

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, Savor 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.

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    Regular APR: Savor Cash

    The Savor Cash offers a lower starting APR of 19.74% compared to the Wells Fargo Active Cash's starting APR of 19.74%.

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    Annual Fee: Tie

    Both the Wells Fargo Active Cash and the Savor Cash have no annual fee, making them equally appealing for those looking to avoid extra costs.

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    Introductory 0% APRs: Wells Fargo Active Cash

    Both cards offer a 0% introductory APR for 15 months on purchases and balance transfers. However, the Wells Fargo Active Cash is better for this feature due to its lower balance transfer fee of 3% compared to the Savor Cash's 5% fee.

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    Rewards: Savor Cash

    The Savor Cash is better for rewards, offering 3% cash back on dining, entertainment, popular streaming services and at grocery stores, plus special rates like 10% on Uber & Uber Eats and 8% on Capital One Entertainment. The Wells Fargo Active Cash offers a simpler 2% cash rewards on purchases.

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    Welcome Offers: Savor Cash

    Both the Wells Fargo Active Cash offers a $200 cash back bonus after a $500 spend within the first three months, and the Savor Cash offers a $250 cash back bonus after a $500 spend within the first three months.

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    Recommended Credit Score: Tie

    Both the Wells Fargo Active Cash and the Savor Cash cater to individuals with credit scores ranging from 670 to 850, indicating a requirement for good to excellent credit.

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    Penalties and Fees: Wells Fargo Active Cash

    The Wells Fargo Active Cash is better for penalties and fees, lacking a penalty APR and boasting a higher penalties and fees rating. Both cards impose up to $40 for late payments, but the Savor Cash charges no foreign transaction fees, contrasting with Wells Fargo Active Cash's 3% fee. However, the absence of a penalty APR on the Wells Fargo Active Cash Card provides a significant advantage.

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    Issuer Satisfaction: Savor Cash

    Capital One has a higher rating for issuer satisfaction of 4.2, compared to Wells Fargo's 4.

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    Other Features & Perks: Tie

    Wells Fargo Active Cash provides benefits like Visa Signature Concierge and cell phone protection. Savor Cash offers 10% back on Uber & Uber Eats and 8% on Capital One Entertainment, with no foreign transaction fees.

Rewards Comparison

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 Savor 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.

Category
Wells Fargo Active Cash
Savor Cash

Entertainment

2%

3%/8% if purchased through Capital One Entertainment portal

Travel

2%

1%/5% if booked through Capital One Travel

Dining

2%

3%

Grocery Stores

2%

3%

Streaming Services

2%

3%

Redeeming Rewards

Both the Wells Fargo Active Cash and Savor 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 Savor 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.

Methodology

MoneyGeek evaluates credit cards like the Wells Fargo Active Cash and the Savor 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.

FAQ: Wells Fargo Active Cash vs. Savor Cash Card

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About Doug Milnes, CFA


Doug Milnes, CFA headshot

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.

Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.


*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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