Capital One Enterprise Rewards vs. Wells Fargo Autograph Journey: Full particulars

The mid-tier journey rewards card house is a cramped one. Among the finest choices in the marketplace is the Capital One Venture Rewards Credit Card, which gives nice worth to the common traveler with only a $95 annual price (see rates and fees). It racks up 2 miles per greenback spent on all purchases and comes with a Global Entry or TSA PreCheck credit of as much as $100.

However there is a new child on the block: the just lately launched Wells Fargo Autograph Journey℠ Card (see rates and fees). It additionally has a $95 annual price, plus worthwhile incomes charges and advantages that make it a severe competitor to the extra established Enterprise card.

Which is the higher choice for you now, and which would be the higher choice going ahead? Let’s dig into the playing cards’ particulars to seek out out.

Capital One Enterprise Rewards vs. Wells Fargo Autograph Journey welcome supply

The Venture Rewards comes with a welcome supply of 75,000 bonus Capital One miles after spending $4,000 within the first three months of account opening.

These miles are price $1,388 primarily based on TPG’s valuations, so you will get an amazing worth from the bonus, though that is the usual supply for the cardboard primarily based on its offer history.

The Autograph Journey, in the meantime, comes with 60,000 bonus factors after spending $4,000 within the first three months. These factors are price $960 primarily based on our valuations.

Winner: Enterprise Rewards. It has a extra worthwhile welcome supply than the Autograph Journey.

Associated: How to redeem Capital One’s 75,000-mile sign-up bonuses for maximum value

The Venture Rewards comes with an up-to-$100 credit score for TSA PreCheck or Global Entry, plus rental automotive and journey accident insurance coverage, prolonged guarantee safety, Hertz Five Star status* and entry to Capital One’s Lifestyle Collection of resorts and Capital One Entertainment.

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In the meantime, the Autograph Journey comes with a $50 annual assertion credit score for airfare purchases, successfully reducing the annual price to $45 in the event you can reap the benefits of that perk. Cardholders additionally obtain cellphone protection and entry to a brand new profit referred to as “Autograph Card Exclusives.”

Whereas particulars are scant in the mean time, Autograph Card Exclusives guarantees to supply entry to live shows displaying “big-name artists in small venues,” seemingly delivering an intimate expertise with in style acts.

Winner: Enterprise Rewards. Regardless of the promise of the Autograph Journey’s perks, the Enterprise’s longer record of established advantages wins out.

With the Venture Rewards, you will earn 5 miles per greenback spent on resorts and rental vehicles booked by Capital One Travel and a pair of miles per greenback spent on all different purchases.

However 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 and 1 level per greenback spent on different purchases.

Winner: Autograph Journey. Whereas we determine Wells Fargo factors to be price barely lower than Capital One miles, the extra bonus classes — particularly, eating and airways — will greater than make up for that distinction for many shoppers.

The Venture Rewards earns extraordinarily worthwhile Capital One miles, supplying you with a bevy of redemption choices that make the miles price about 1.85 cents apiece, per our valuations.

You may get essentially the most worth by transferring your miles to considered one of Capital One’s travel partners, however you can too redeem them for a statement credit to cover travel purchases or for reward playing cards or money again.

The Autograph Journey has a a lot smaller record of redemption choices and switch companions upon launch. It stays to be seen how these choices will change. Nevertheless, the issuer has promised extra switch companions will come all year long (extra on that under).

Winner: Enterprise Rewards. Once more, this might change if the Wells Fargo program continues to increase, however for now, Capital One nonetheless has the sting.

Associated: Should you transfer Capital One miles to partners or redeem directly for travel?

The Venture Rewards permits you to transfer your miles to any of Capital One’s 15-plus resort and airline companions, together with worthwhile choices like Avianca LifeMiles, British Airways Executive Club and Turkish Airlines Miles&Smiles.

And in the event you can reap the benefits of a switch bonus, you will get much more worth out of your miles. As an illustration, I want to redeem my miles by transferring them to Air France-KLM Flying Blue throughout a transfer bonus promotion and utilizing them to guide business-class flights to Europe.

The Autograph Journey at present permits cardholders to switch factors to 5 airline applications:

• Air France-KLM Flying Blue
• Avianca LifeMiles
• British Airways Govt Membership, Aer Lingus AerClub and Iberia Plus (all incomes Avios)

These are all nice switch companions and TPG favorites, although the variety of choices is clearly a lot smaller than these accessible with the Enterprise Rewards.

You may additionally be capable to switch to a single resort program, Choice Privileges, although that record hopefully will proceed to develop as effectively.

Winner: Enterprise Rewards. Once more, the present Wells Fargo switch lineup is not fairly at Capital One’s degree.

Associated: Wells Fargo transfer partners: How to use Go Far Rewards points

If you need a longtime card with nice advantages and redemption choices, you will need to keep on with the Venture Rewards. You may get a robust incomes price, the flexibility to reap the benefits of Capital One’s switch companions and a few journey advantages for only a $95 annual price (see rates and fees).

If you need greater incomes charges, the newly launched Autograph Journey is a viable choice price contemplating.

Regardless of their variations, the Venture Rewards and the Autograph Journey are glorious journey rewards playing cards with worthwhile advantages and incomes charges for his or her mid-tier annual price. The Enterprise Rewards’ established record of perks and switch companions give it the sting, however the Autograph Journey might be neck and neck quickly given its rising record of redemption choices.

Making the most of each playing cards may positively make sense, too, in the event you can deal with two $95 annual charges (see rates and fees for the Enterprise Rewards)..

For extra particulars, learn extra in regards to the Venture Rewards and the Autograph Journey.

Apply right here: Capital One Venture

Apply right here: Wells Fargo Autograph Journey

For Capital One merchandise listed on this web page, a few of the above advantages are supplied by Visa® or Mastercard® and should differ by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.

*Upon enrollment, accessible by the Capital One web site or cell app, eligible cardholders will stay at upgraded standing degree by Dec. 31, 2024. Please observe, enrolling by the traditional Hertz Gold Plus Rewards enrollment course of (e.g. at Hertz.com) is not going to routinely detect a cardholder as being eligible for this system and cardholders is not going to be routinely upgraded to the relevant standing tier. Further phrases apply.