Wells Fargo Autograph℠ Card vs Capital One Spark Miles Select for Business

Side-by-side comparison of Wells Fargo Autograph℠ Card and Capital One Spark Miles Select for Business. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Wells Fargo Autograph℠ Card	Capital One Spark Miles Select for Business
Issuer	Wells Fargo	Capital One
Network	Visa	Visa
Card Material	Plastic	Plastic
Annual Fee	$0.00	$0.00
Base Rate	1.00%	1.50%
Travel Rewards	3.00x	0.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	0%	0%
Lifecycle	Available	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.0% (base)	1.5% (base)
Restaurants	3.0%	1.5% (base)
Travel	3.0%	1.5% (base)
Gas Stations	3.0%	1.5% (base)
Transit & Rideshare	3.0%	1.5% (base)
Streaming	3.0%	1.5% (base)
Telecommunications	3.0%	1.5% (base)
Hotels via Capital One Travel	1.0% (base)	5.0%
Rental Cars via Capital One Travel	1.0% (base)	5.0%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	6 partners	18 partners
Annual Credits	None	None

Transfer Partners

1:1

1:1

Pricing Details

Purchase APR	20.24% - 29.99%	18.49% - 24.49%
Cash Advance APR	29.99%	29.99%
Penalty APR	N/A	N/A
Late Fee	$40	$39
Balance Transfer Fee	undefined% (min $0)	undefined% (min $0)

Insurance & Protections

Auto Rental	Secondary	Primary (when renting for business purposes)
Baggage Delay	—	—
Baggage Loss	—	—
Cell Phone Protection	Covered up to $600 per claim (subject to $25 deductible)	—
Extended Warranty	—	Extends warranty by 1 year
Purchase Protection	—	—
Return Protection	—	—
Trip Cancellation Interruption	—	—
Trip Delay	—	—
Tsa Precheck Global Entry	—	—

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Standard	Standard