In the realm of credit cards, two popular options for everyday spending are the Wells Fargo Autograph® Card and the Capital One Quicksilver Cash Rewards Visa Signature® Card. But which one reigns supreme for your wallet? This article dissects their features, rewards, and who might benefit most from each.

Basic Feature Comparison

FeatureWells Fargo AutographCapital One Quicksilver
Rewards TypePointsCash Back
Points Earned3X points on travel, gas, transit, streaming services, restaurants; 1X point on everything else1.5% cash back on all purchases
Points RedemptionPoints can be redeemed for travel, statement credits, merchandise, or gift cards. Points value varies depending on redemption option.Cash back can be redeemed as statement credits, deposited into a linked Capital One savings account, or used for gift card purchases.

Comparison Table Between Wells Fargo Autograph Vs Capital One Quicksilver

FeatureWells Fargo AutographCapital One Quicksilver
Annual Fee$0$0
Welcome BonusUp to 25,000 points after spending $3,000 in purchases in the first 3 months from account openingUp to $200 cash back after spending $500 on purchases in the first 3 months from account opening
Foreign Transaction FeeNoneNone
Other FeaturesNoneExtended warranty on purchases and purchase security

Who Should Buckle Up for Which Card?

  • Wells Fargo Autograph: Ideal for those who spend heavily on travel, gas, dining, and entertainment (3X points categories). If you redeem points for travel through Wells Fargo’s portal, you can maximize their value.
  • Capital One Quicksilver: A great choice for those who prefer the simplicity of cash back and don’t want to worry about maximizing point value through specific redemption channels. It offers a flat rate on all purchases, making budgeting easier.

Also See: Wells Fargo Propel American Express® Vs Amex Gold Card: Chasing Points or Seeking Simplicity?

Pros and Cons: Wells Fargo Autograph


  • No annual fee
  • Bonus points in several spending categories
  • Flexible redemption options


  • Points value can fluctuate depending on redemption method
  • Less straightforward rewards system compared to cash back

Pros and Cons: Capital One Quicksilver


  • No annual fee
  • Easy-to-understand cash back rewards
  • Extended warranty and purchase security benefits


  • Lower rewards rate compared to cards with category bonuses
  • No travel-specific perks

Requirements to Get on Board

Both cards typically require good credit, usually a score of 670 or higher. There is no specific income requirement listed by either issuer.

The Final Lap

The Wells Fargo Autograph caters to strategic spenders who can leverage its bonus categories and travel redemption options. Capital One Quicksilver shines for those who value simplicity and a straightforward cash back system. Ultimately, the best card depends on your spending habits and how you value rewards.

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