Which card earns more rewards, the Fidelity Rewards Visa Signature Card or Wells Fargo Active Cash Card?

Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

What benefits does the Fidelity Rewards Visa Signature Card have that the Wells Fargo Active Cash Card doesn't?

The Fidelity Rewards Visa Signature Card focuses on earn rates, while the Wells Fargo Active Cash Card offers cell phone protection.

Should I get the Fidelity Rewards Visa Signature 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.

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Fidelity Rewards Visa Signature Card vs Wells Fargo Active Cash Card

Both cards cost $0/yr. The Fidelity Rewards Visa Signature Card leads on everyday spending; the Wells Fargo Active Cash Card on everyday spending.

Card data as of September 27, 2026.

Fidelity Rewards Visa Signature Card

Elan Financial

Wells Fargo Active Cash Card

Wells Fargo

Fees & Welcome Offer

Annual Fee

Welcome Bonus

$150 cash back

$100 cash back

Earn Rates

Benefits & Features

Network

VISA

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 Fidelity Rewards Visa Signature Card on net value (rewards, usable credits, fees, and welcome offer).

Scenario	Fidelity Rewards Visa Signature Card	Wells Fargo Active Cash Card	Ongoing winner	Year-one winner
Light spender: $1,000/month	Rewards: $240 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $240 Year one: $390	Rewards: $150 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $150 Year one: $250	Fidelity Rewards Visa Signature Card	Fidelity Rewards Visa Signature Card
Heavy spender: $4,000/month	Rewards: $960 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $960 Year one: $1,110	Rewards: $600 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $600 Year one: $700

The Bottom Line

Both scenarios favor the Fidelity Rewards Visa Signature Card on net value (rewards, usable credits, fees, and welcome offer).

Frequently Asked Questions

Which card earns more rewards, the Fidelity Rewards Visa Signature Card or Wells Fargo Active Cash Card?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
What benefits does the Fidelity Rewards Visa Signature Card have that the Wells Fargo Active Cash Card doesn't?: The Fidelity Rewards Visa Signature Card focuses on earn rates, while the Wells Fargo Active Cash Card offers cell phone protection.
Should I get the Fidelity Rewards Visa Signature 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.

Explore More

Fidelity Rewards Visa Signature Card — Full Review All Elan Financial Cards

Wells Fargo Active Cash Card — Full Review All Wells Fargo Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Elan Financial cards · Wells Fargo cards

Pros & Cons

Pros

+True 2% unlimited cash back on all purchases with no annual fee
+Rewards auto-deposit into Fidelity brokerage, IRA, 529, or cash management accounts
+No minimum redemption threshold (rewards deposit automatically)
+$150 welcome bonus after $1,500 spend in 90 days
+Visa Signature benefits: extended warranty, purchase protection, concierge

+Unlimited 2% cash back on every purchase with no category limits
+No annual fee
+$200 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

−Requires Fidelity account for redemption (cannot get cash to bank account)
−1% foreign transaction fee makes it unsuitable for international travel
−Not flexible if you ever want to leave Fidelity
−No premium travel benefits or lounge access
−Issued by Elan Financial Services, not Fidelity directly (customer service may vary)

−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