Blue Cash Preferred® Card from American Express vs Wells Fargo Active Cash
Side by side on the numbers that decide it. The money8020 Score already weighs these — this is the receipts.
money8020 pick AE Blue Cash Preferred® Card from American Express American Express 96/100 | WF Wells Fargo Active Cash Wells Fargo 94/100 | |
|---|---|---|
| Tier | Essential | Essential |
| Rewards rate | 1%–6% | 2% |
| Annual fee | $0 intro annual fee the first year, then $95 | $0 |
| Regular APR | 19.49%–28.49% | 0% for 12 months |
| Bonus | $300 | 18.49%–28.49% |
| Annual fee | $95 | $0 |
| Best for | Cardholders who want cash back that fits their spending | People who want the highest flat cash-back rate with no categories |
| View profile | View profile |
Which should you choose: the Blue Cash Preferred® Card from American Express or the Wells Fargo Active Cash?
The Blue Cash Preferred® Card from American Express is the stronger pick of the two, with a money8020 score of 96/100 versus 94. Choose the Wells Fargo Active Cash instead if people who want the highest flat cash-back rate with no categories.
On rewards rate, the Blue Cash Preferred® Card from American Express shows 1%–6% versus the Wells Fargo Active Cash's 2%. On annual fee, the Blue Cash Preferred® Card from American Express shows $0 intro annual fee the first year, then $95 versus the Wells Fargo Active Cash's $0. On regular APR, the Blue Cash Preferred® Card from American Express shows 19.49%–28.49% versus the Wells Fargo Active Cash's 0% for 12 months. Both figures are reflected in the money8020 score above; confirm current terms with each provider before deciding. This is not financial advice.
Blue Cash Preferred® Card from American Express vs Wells Fargo Active Cash: FAQ
Is the Blue Cash Preferred® Card from American Express or the Wells Fargo Active Cash better?
By our scoring, the Blue Cash Preferred® Card from American Express edges ahead with a money8020 score of 96/100 versus 94. The Wells Fargo Active Cash can still be the better fit if people who want the highest flat cash-back rate with no categories.
What is the main difference between the Blue Cash Preferred® Card from American Express and the Wells Fargo Active Cash?
On rewards rate, the Blue Cash Preferred® Card from American Express offers 1%–6% while the Wells Fargo Active Cash offers 2%. Review the full table above and confirm current terms with each provider. This is not financial advice.