Wells Fargo Active Cash vs Capital One Quicksilver
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Wells Fargo Active Cash wins 3-1. No-fee 2% flat — competitive with Citi Double Cash. Capital One Quicksilver is still the right call if no-fee, no-thinking 1.5% on everything..
Side-by-side
| Criterion | Wells Fargo Active Cash | Capital One Quicksilver |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 2% (general) | · 1.5% (general) |
| Base reward rate | 2% | · 1.5% |
| Forex markup | · 3% | No FX fee |
| Welcome bonus | = $200 cashback after $500 in first 3 months | = $200 cashback after $500 in first 3 months |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | = 670 | = 670 |
| Editorial rating | 4.5/5 | · 4.4/5 |
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
Capital One Quicksilver
- 1.5% cashback on every purchase
- 5% on hotels and rental cars via Capital One Travel
- No foreign transaction fees
- No annual fee
- 0% intro APR for 15 months
FAQ
›Wells Fargo Active Cash vs Capital One Quicksilver: which is better?
Wells Fargo Active Cash wins on more dimensions (3 vs 1). But the right answer depends on your specific spending pattern — see the calculator below.
›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, Capital One Quicksilver 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. Capital One Quicksilver: $200 cashback after $500 in first 3 months.