In the event you’re wanting so as to add a mid-tier journey card to your pockets, the variety of choices out there to you’ll be able to really feel overwhelming.
Two strong playing cards are among the many common selections: the Capital One Enterprise Rewards Credit score Card and the Wells Fargo Autograph Journey℠ Card (see charges and costs). These playing cards share many similarities but in addition provide distinctive perks for respective cardholders.
Each are available on the $95 annual price threshold, mean you can earn journey rewards and include worthwhile advantages.
So which one do you have to go for? Let’s dive into the professionals and cons of every card to study extra.
Capital One Enterprise Rewards vs. Wells Fargo Autograph Journey card comparability
| Card | Wells Fargo Autograph Journey | Capital One Enterprise Rewards |
|---|---|---|
| Annual price | $95 | $95 |
| Welcome bonus | Earn 60,000 bonus rewards factors after spending $4,000 within the first three months of account opening | Earn 75,000 bonus miles once you spend $4,000 on purchases throughout the first three months from account opening, plus a $250 Capital One Journey credit score to make use of within the first 12 months |
| Incomes charges |
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| Different advantages |
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Capital One Enterprise Rewards vs. Wells Fargo Autograph Journey welcome provide
Each playing cards present priceless welcome bonuses of their respective currencies.
The Enterprise Rewards comes with a welcome provide of 75,000 bonus miles once you spend $4,000 on purchases throughout the first three months from account opening, plus a $250 Capital One Journey credit score to make use of within the first 12 months.
The provide is value as much as $1,638 (together with the journey credit score) based mostly on TPG’s March 2025 valuations of Capital One miles as value 1.85 cents per mile. This bonus might provide improbable worth.
The Autograph Journey, in the meantime, comes with 60,000 bonus factors after spending $4,000 within the first three months. These factors are value $960, based mostly on our March 2025 valuation of Wells Fargo Rewards factors at 1.6 cents apiece.
Winner: Enterprise Rewards. It has a extra priceless welcome provide than the Autograph Journey.
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Associated: How you can redeem Capital One’s 75,000-mile welcome provide for max worth
Capital One Enterprise Rewards vs. Wells Fargo Autograph Journey advantages
The Enterprise Rewards comes with an up-to-$120 credit score for TSA PreCheck or International Entry, plus journey accident insurance coverage and an auto rental collision harm waiver, prolonged guarantee safety and entry to Capital One’s Way of life Assortment of resorts and Capital One Leisure.
In the meantime, the Autograph Journey comes with a $50 annual assertion credit score for airfare purchases, successfully decreasing the annual price to $45 for those who can benefit from that perk. Cardholders additionally obtain mobile phone safety .
This card additionally comes with entry to a profit referred to as Autograph Card Exclusives, which incorporates stay occasion tickets and different leisure experiences.
Winner: Enterprise Rewards. Regardless of the promise of the Autograph Journey’s perks, the Enterprise’s longer listing of established advantages wins out.
Associated: The most effective bank cards for live performance tickets and VIP entry
Incomes miles on the Capital One Enterprise Rewards vs. the Wells Fargo Autograph Journey
With the Enterprise Rewards, you will earn 5 miles per greenback spent on resorts, trip leases and rental automobiles booked via Capital One Journey and a couple of miles per greenback spent on all different purchases.
This makes the Enterprise a strong possibility for nonbonus spending and card to decide on for those who aren’t thinking about memorizing bonus classes.
On the opposite facet, the Autograph Journey has a lot broader bonus classes. With it, you will earn 5 factors per greenback spent on resorts, 4 factors per greenback spent on airways, 3 factors per greenback spent on different journey and eating at eating places and 1 level per greenback spent on different purchases.
This card options greater bonus-earning alternatives throughout a number of common classes. In the event you continuously spend in any of those bonus classes and wish to maximize your bills, this card is a good alternative.
Winner: Autograph Journey. Whereas we worth Wells Fargo factors to be value barely lower than Capital One miles, the extra bonus classes make up the distinction.
Redeeming miles on the Capital One Enterprise Rewards vs. the Wells Fargo Autograph Journey
The Enterprise Rewards earns extraordinarily priceless Capital One miles, providing you with a bevy of redemption choices that make the miles value about 1.85 cents apiece, per our March 2025 valuations.
You may get probably the most worth by transferring your miles to one among Capital One’s journey companions, however you too can redeem them for a assertion credit score to cowl journey purchases, for reward playing cards or for money again.
The Autograph Journey has a a lot smaller listing of redemption choices and switch companions, however this system is newer and has added extra companions in the previous couple of years.
Winner: Enterprise Rewards. This might change if the Wells Fargo program continues to broaden, however for now, Capital One nonetheless has the sting.
Associated: Do you have to switch Capital One miles to companions or redeem immediately for journey?
Transferring miles with the Capital One Enterprise Rewards vs. the Wells Fargo Autograph Journey
The Enterprise Rewards lets you switch your miles to any of Capital One’s 15-plus lodge and airline companions, together with priceless choices like Avianca LifeMiles, British Airways Govt Membership and Turkish Airways Miles&Smiles.
And for those who can benefit from a switch bonus, you will get much more worth out of your miles.
The Autograph Journey presently permits cardholders to switch factors to 6 airline applications, together with Air France-KLM Flying Blue, British Airways Govt Membership and Virgin Atlantic Flying Membership.
These are nice switch companions and TPG favorites, although the variety of choices is clearly a lot smaller than these out there with the Enterprise Rewards.
You may additionally be capable of switch to a single lodge program, Selection Privileges, although that listing will hopefully proceed to develop.
Winner: Enterprise Rewards. Once more, the present Wells Fargo switch lineup is not fairly at Capital One’s stage.
Associated: Wells Fargo Rewards switch companions: How you can redeem your factors
Ought to I get the Capital One Enterprise Rewards or the Wells Fargo Autograph Journey?
In order for you a longtime card with nice advantages and redemption choices, you will wish to go together with the Enterprise Rewards. You may get a powerful incomes price, the power to benefit from Capital One’s switch companions and a few journey advantages for only a $95 annual price.
In order for you greater incomes charges, the Autograph Journey is a viable possibility value contemplating, particularly as Wells Fargo continues to develop its listing of switch companions.
Backside line
Regardless of their variations, the Enterprise Rewards and the Autograph Journey are wonderful journey rewards playing cards with priceless advantages and incomes charges for his or her mid-tier annual price.
The Enterprise Rewards’ established listing of perks and switch companions give it the sting, however the Autograph Journey may very well be proper there quickly, given its rising listing of redemption choices.
Benefiting from each playing cards might undoubtedly make sense, too, for those who can deal with two $95 annual charges.
For extra particulars, try our Enterprise Rewards full evaluation and Autograph Journey full evaluation.
Study extra: Capital One Enterprise Rewards Credit score Card
Apply right here: Wells Fargo Autograph Journey
For Capital One merchandise listed on this web page, a few of the advantages could also be offered by Visa® or Mastercard® and will fluctuate by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
