Bank of America Unlimited Cash Rewards Credit Card vs Wells Fargo Active Cash Card
Both cards cost $0/yr. The Bank of America Unlimited Cash Rewards Credit Card leads on everyday spending; the Wells Fargo Active Cash Card on everyday spending.
Card data as of October 12, 2026.
Bank of America Unlimited Cash Rewards Credit CardBank of America · No annual fee
Wells Fargo Active Cash CardWells Fargo · No annual fee
Overview
- Annual fee
- Bank of America Unlimited Cash Rewards Credit Card$0Wells Fargo Active Cash Card$0
- Welcome offerCurrent public offer
- Bank of America Unlimited Cash Rewards Credit Card$250 cash backWells Fargo Active Cash Card$100 cash back
- Rewards
- Bank of America Unlimited Cash Rewards Credit CardCash backWells Fargo Active Cash CardCash back
- Foreign transaction fee
- Bank of America Unlimited Cash Rewards Credit Card3%Wells Fargo Active Cash Card3%
- Network
- Bank of America Unlimited Cash Rewards Credit CardVisa SignatureWells Fargo Active Cash CardVisa Signature
Earn ratesPer $1 spent
- Everything else
- Bank of America Unlimited Cash Rewards Credit Card1.5%Wells Fargo Active Cash Card2%Highest
Statement creditsAs the issuer states them · — means none on record
- Other credits
- Bank of America Unlimited Cash Rewards Credit Card
- 3% balance transfer fee
- 0% APR 15 months
Wells Fargo Active Cash Card—
Perks & access— means none on record
- Hotel status & programs
- Bank of America Unlimited Cash Rewards Credit Card—Wells Fargo Active Cash Card
- 900+ luxury hotel properties with exclusive perks
- Other perks
- Bank of America Unlimited Cash Rewards Credit Card
- No annual fee
Wells Fargo Active Cash Card- 24/7 Visa Signature Concierge service
- Extra cash back at select merchants with personalized deals
Protections & insuranceLimits where published · — means none on record
- Rental car
- Bank of America Unlimited Cash Rewards Credit Card—Wells Fargo Active Cash Card
- Up to $50,000 rental car coverage when you decline the count
- Cell phone
- Bank of America Unlimited Cash Rewards Credit Card—Wells Fargo Active Cash Card
- Up to $600 coverage for damaged or stolen phones
- Other protections
- Bank of America Unlimited Cash Rewards Credit Card—Wells Fargo Active Cash Card
- 24/7 worldwide travel and emergency assistance
- Get emergency cash and card replacement worldwide
- Check your FICO score anytime for free
- 24/7 roadside help with free towing up to 5 miles
Pros & cons
- Pros
- Bank of America Unlimited Cash Rewards Credit Card
- Unlimited 1.5% cash back on all purchases
- No annual fee
- $250 welcome bonus after $1,000 spend
- 0% intro APR for 15 months on purchases and balance transfers
- No category tracking required
Wells Fargo Active Cash Card- Unlimited 2% cash back on every purchase with no category limits
- No annual fee
- $100 welcome bonus after just $500 spend in 3 months
- 0% intro APR for 12 months on purchases and balance transfers
- Cell phone protection up to $600 per claim when paying bill with card
- Cons
- Bank of America Unlimited Cash Rewards Credit Card
- 3% foreign transaction fee
- Flat 1.5% rate, no bonus categories
- Lower earning rate than category-specific cards in bonus areas
- No premium perks or travel benefits
Wells Fargo Active Cash Card- 3% foreign transaction fee makes it poor for international use
- No bonus categories - heavy dining/travel spenders earn less than category cards
- Points have no transfer partners (cash back only)
- Requires good to excellent credit
- Penalty APR of 29.99% for late payments
Category-by-Category Winner
The Wells Fargo Active Cash Card wins in 1 of 1 categories. The Bank of America Unlimited Cash Rewards Credit Card leads in 0.
Everyday purchases
Wells Fargo Active Cash Card earns 2X on all other spending vs 1.5X
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Both scenarios favor the Wells Fargo Active Cash Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Bank of America Unlimited Cash Rewards Credit Card | Wells Fargo Active Cash Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $180 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $180 Year one: $430 | Rewards: $348 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $348 Year one: $448 | Wells Fargo Active Cash Card | Wells Fargo Active Cash Card |
| Heavy spender: $4,000/month | Rewards: $720 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $720 Year one: $970 | Rewards: $1,392 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,392 Year one: $1,492 | Wells Fargo Active Cash Card | Wells Fargo Active Cash Card |
Which Card Is Right for You?
Get the Wells Fargo Active Cash Card if you:
- +Prefer a high flat rate across all spending
The Bottom Line
Both scenarios favor the Wells Fargo Active Cash Card on net value (rewards, usable credits, fees, and welcome offer).
Everyday (non-bonus) spend earns 2X on the Wells Fargo Active Cash Card vs 1.5X on the other card.
Frequently Asked Questions
- Which card earns more rewards, the Bank of America Unlimited Cash Rewards Credit Card or Wells Fargo Active Cash Card?
- The Wells Fargo Active Cash Card has a higher base earn rate (2X vs 1.5X), but both cards have different bonus categories where they excel.
- What benefits does the Bank of America Unlimited Cash Rewards Credit Card have that the Wells Fargo Active Cash Card doesn't?
- The Bank of America Unlimited Cash Rewards Credit Card focuses on earn rates, while the Wells Fargo Active Cash Card offers cell phone protection.
- Should I get the Bank of America Unlimited Cash Rewards Credit Card or the Wells Fargo Active Cash Card?
- Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.
Related Comparisons
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.