Comparison Wells Fargo Active Cash vs Capital One Savor Cash Rewards

The Wells Fargo Active Cash® Card and the Capital One Savor Cash Rewards Credit Card both offer strong value with no annual fee, generous welcome bonuses, and competitive rewards.
However, they cater to different lifestyles, and your choice depends on how and where you typically spend.

The Wells Fargo Active Cash is an ideal card for simplicity and flat-rate cashback.
You earn 2% unlimited cash rewards on all purchases, making it a strong contender for those who want a card that rewards everything equally without having to track categories.
It’s also well-suited for people who may want to carry a balance early on, thanks to its 0% intro APR on both purchases and qualifying balance transfers for 12 months.
The welcome offer is also solid: a $200 bonus after spending just $500 within the first three months.
This card is perfect for general-purpose spending and has the added perk of being a great balance transfer option.

On the other hand, the Capital One Savor Cash Rewards card is all about maximizing cash back in entertainment and dining categories.
You earn 3% on dining, groceries (excluding big-box retailers), streaming services, and entertainment – plus an impressive 8% on Capital One Entertainment purchases and 5% on select travel booked through their portal.
Like the Active Cash card, it also includes a $200 sign-up bonus with the same spend requirement and a 0% intro APR for 15 months.
The Savor card is particularly attractive to those who spend heavily on food, fun, and travel experiences, offering great ways to stack rewards in these areas.

In my opinion, if you want a simple and reliable cash back card where every purchase earns equally, Wells Fargo Active Cash is the clear winner.
It’s predictable, easy to use, and highly rewarding for everyday use across all categories.
However, if your lifestyle includes frequent dining out, streaming, and entertainment, the Capital One Savor card provides unmatched value in those areas and will likely give you higher overall cash back if your spending is concentrated in those categories.

Ultimately, you can’t go wrong with either.
Both cards are fee-free, accessible with good to excellent credit, and offer solid welcome bonuses.
The decision comes down to whether you prefer a flat-rate cashback model (Wells Fargo) or a category-based rewards system with extra perks in entertainment and travel (Capital One).