PayPal Cashback Mastercard® vs Wells Fargo Active Cash
Side by side on the numbers that decide it. The money8020 Score already weighs these — this is the receipts.
SB PayPal Cashback Mastercard® Synchrony Bank 82/100 | money8020 pick WF Wells Fargo Active Cash Wells Fargo 94/100 | |
|---|---|---|
| Tier | Strong | Essential |
| Rewards rate | 1.5%–3% | 2% |
| Annual fee | $0 | $0 |
| Regular APR | 18.74%–33.49% | 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 PayPal Cashback Mastercard® 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 82. Choose the PayPal Cashback Mastercard® instead if cardholders who want cash back that fits their spending.
On rewards rate, the PayPal Cashback Mastercard® shows 1.5%–3% versus the Wells Fargo Active Cash's 2%. On regular APR, the PayPal Cashback Mastercard® shows 18.74%–33.49% 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.
PayPal Cashback Mastercard® vs Wells Fargo Active Cash: FAQ
Is the PayPal Cashback Mastercard® 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 82. The PayPal Cashback Mastercard® can still be the better fit if cardholders who want cash back that fits their spending.
What is the main difference between the PayPal Cashback Mastercard® and the Wells Fargo Active Cash?
On rewards rate, the PayPal Cashback Mastercard® offers 1.5%–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.