Which card earns more rewards, the Synchrony Premier Mastercard 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 Synchrony Premier Mastercard have that the Wells Fargo Active Cash Card doesn't?

The Synchrony Premier Mastercard offers cell phone protection. The Wells Fargo Active Cash Card offers cell phone protection.

Should I get the Synchrony Premier Mastercard 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.

CardRewards

Search credit cards, merchants, or spending categories

CardRewards

Search credit cards, merchants, or spending categories

Synchrony Premier Mastercard vs Wells Fargo Active Cash Card

Both cards cost $0/yr. The Synchrony Premier Mastercard leads on everyday spending; the Wells Fargo Active Cash Card on everyday spending.

Card data as of September 27, 2026.

Fees & Welcome Offer

Annual Fee

Welcome Bonus

$100 cash back

Earn Rates

Benefits & Features

Network

MASTERCARD

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 Wells Fargo Active Cash Card on net value (rewards, usable credits, fees, and welcome offer).

Scenario	Synchrony Premier Mastercard	Wells Fargo Active Cash Card	Ongoing winner	Year-one winner
Light spender: $1,000/month	Rewards: $120 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $120 Year one: $220	Rewards: $150 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $150 Year one: $250	Wells Fargo Active Cash Card	Wells Fargo Active Cash Card
Heavy spender: $4,000/month	Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $580	Rewards: $600 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $600 Year one: $700	Wells Fargo Active Cash Card

The Bottom Line

Both scenarios favor the Wells Fargo Active Cash Card on net value (rewards, usable credits, fees, and welcome offer).

Frequently Asked Questions

Which card earns more rewards, the Synchrony Premier Mastercard 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 Synchrony Premier Mastercard have that the Wells Fargo Active Cash Card doesn't?: The Synchrony Premier Mastercard offers cell phone protection. The Wells Fargo Active Cash Card offers cell phone protection.
Should I get the Synchrony Premier Mastercard 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

Synchrony Premier Mastercard — Full Review All Synchrony Cards

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

Browse all comparisons →Browse all card categories →

Official issuer pages: Synchrony cards · Wells Fargo cards

Pros & Cons

Pros

+Unlimited 2% cash back on all purchases with no restrictions
+No annual fee
+No redemption requirements or account minimums
+Simple redemption as statement credit or direct deposit
+Extended warranty protection included

+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

−3% foreign transaction fee makes it poor for international use
−Modest $100 welcome bonus with high $1,500 spend requirement
−$25 minimum redemption threshold
−Limited perks compared to premium cards
−No price protection (unlike some Mastercard World cards)

−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