Apple Card vs Wells Fargo Active Cash
Side by side on the numbers that decide it. The money8020 Score already weighs these — this is the receipts.
GS Apple Card Goldman Sachs Bank USA 85/100 | money8020 pick WF Wells Fargo Active Cash Wells Fargo 94/100 | |
|---|---|---|
| Tier | Strong | Essential |
| Rewards rate | 1%–3% | 2% |
| Annual fee | $0 | $0 |
| Regular APR | 17.49%–27.74% | 0% for 12 months |
| Annual fee | $0 | $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 Apple Card or the Wells Fargo Active Cash?
The Wells Fargo Active Cash is the stronger pick of the two, with a money8020 score of 94/100 versus 85. Choose the Apple Card instead if cardholders who want cash back that fits their spending.
On rewards rate, the Apple Card shows 1%–3% versus the Wells Fargo Active Cash's 2%. On regular APR, the Apple Card shows 17.49%–27.74% 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.
Apple Card vs Wells Fargo Active Cash: FAQ
Is the Apple Card or the Wells Fargo Active Cash better?
By our scoring, the Wells Fargo Active Cash edges ahead with a money8020 score of 94/100 versus 85. The Apple Card can still be the better fit if cardholders who want cash back that fits their spending.
What is the main difference between the Apple Card and the Wells Fargo Active Cash?
On rewards rate, the Apple Card offers 1%–3% 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.