Decision tool
Compare cards
Two cards, one screen, published facts only. What each one costs, what it earns and where the caps bite — plus who it genuinely doesn't suit, which is the part the comparison sites leave out.
Capital One SavorBlue Cash EverydayWells Fargo Active Cash
Annual fee
No annual fee
No annual fee
No annual fee
Earns into
Cash back
Cash back
Cash back
Card type
Personal
Personal
Personal
Restaurants
3% back
1% back
2% back
Groceries
3% backExcludes superstores like Walmart and Target
3% backU.S. supermarkets, up to $6,000 a year
2% back
Flights
1% back
1% back
2% back
Hotels
1% back
1% back
2% back
Travel portal
1% back
1% back
2% back
Everything else
1% back
1% back
2% back
Who it fits
People with real restaurant spend who don't want to manage a coupon book.
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People who want 2% with no payment-timing conditions attached.
Who it doesn't
Heavy travellers who'd get more from transferable points on the same spend.
—
Travellers who'd get more from transferable points.
Last documented change
November 14, 2024Capital One renamed SavorOne to Savor and stopped offering the $95 annual-fee Savor to new applicants
Nothing documented
Nothing documented
Our coverage
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What's the answer?
A table can show you the rates. It can't tell you which one is right for the way you actually spend — and it deliberately doesn't price a point, because that number is an opinion.