Capital One Venture X Rewards Credit Card vs. Wells Fargo Reflect®
Side-by-side comparison · Updated 2026 · Independently reviewed
Capital One Venture X Rewards Credit Card
Capital One
4.7
2x miles on everything. $300 travel credit. Premium perks.
Full review →
WealthSpott Verdict
Wells Fargo Reflect® wins on more measurable categories — particularly annual cost. Capital One Venture X Rewards Credit Card may still win for your wallet depending on your spending patterns.
Feature
Capital One Venture
Wells Fargo Reflect®
Annual Fee
$395/yr
$0 Best
Sign-up Bonus
75,000 miles
None
Rewards Rate
2x-10x
0%
Rewards Type
Miles
None
0% Intro APR
N/A
0% intro APR for up to 21 months
Regular APR
19.99%-29.99% Variable
18.24%-29.99% Variable Best
Foreign Transaction Fee
None Best
Yes
Recommended Credit Score
670-850
670-850
Capital One Venture X Rewards Credit Card
Pros
- $300 annual travel credit offsets fee
- 2x miles on every purchase
- Premium perks: lounge access, TSA PreCheck credit
Cons
- $395 annual fee
- Best for frequent travelers
Wells Fargo Reflect®
Pros
- 0% intro APR for up to 21 months
- No annual fee
- Cell phone protection included
Cons
- No rewards program at all
- 3% foreign transaction fee
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