Head-to-head · 🇺🇸 United States
Wells Fargo Active Cash vs Amex Blue Cash Everyday
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
Wells Fargo
Wells Fargo Active Cash
VISA
Wins 2 of 10
US
American Express
Amex Blue Cash Everyday
AMERICAN
EXPRESS
EXPRESS
Wins 2 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | Wells Fargo Active Cash | Amex Blue Cash Everyday |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | · 2% (general) | 3% (shopping) |
| Base reward rate | 2% | · 1% |
| Forex markup | · 3% | 2.7% |
| Welcome bonus | = $200 cashback after $500 in first 3 months | = $200 statement credit after $2,000 spend in first 6 months |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | = 670 | = 670 |
| Editorial rating | 4.5/5 | · 4.3/5 |
Benefits compared
Wells Fargo Active Cash
- 2% unlimited cashback on every purchase
- No annual fee
- 0% intro APR for 12 months
- Cell phone protection (up to $600/claim)
- Visa Signature concierge
Amex Blue Cash Everyday
- 3% on US supermarkets (up to $6K/year)
- 3% on US gas stations + online retail
- 1% on everything else
- No annual fee
FAQ
›Wells Fargo Active Cash vs Amex Blue Cash Everyday: which is better?
It's a true tie — pick the one whose boost categories match your spend. Wells Fargo Active Cash wins on 2 criteria, Amex Blue Cash Everyday on 2.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Wells Fargo Active Cash for its best categories, Amex Blue Cash Everyday for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Wells Fargo Active Cash: $200 cashback after $500 in first 3 months. Amex Blue Cash Everyday: $200 statement credit after $2,000 spend in first 6 months.