Head-to-head · 🇺🇸 United States
Wells Fargo Active Cash vs Marriott Bonvoy Brilliant
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
Wells Fargo
Wells Fargo Active Cash
VISA
Wins 2 of 10
US
Premium
American Express
Marriott Bonvoy Brilliant
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 | Marriott Bonvoy Brilliant |
|---|---|---|
| Annual fee | No annual fee | · $650 |
| Joining fee | = None | = None |
| Top reward rate | · 2% (general) | 6% (travel) |
| Base reward rate | = 2% | = 2% |
| Forex markup | · 3% | No FX fee |
| Welcome bonus | = $200 cashback after $500 in first 3 months | = 95,000 Bonvoy points after $6,000 spend in 6 months |
| Fee waiver threshold | = N/A (no fee) | = No waiver |
| Min income | = — | = — |
| Min credit score | 670 | · 720 |
| Editorial rating | = 4.5/5 | = 4.5/5 |
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
Marriott Bonvoy Brilliant
- 6x Marriott Bonvoy points at Marriott properties
- 3x at restaurants + flights direct
- 2x on everything else
- Marriott Bonvoy Platinum Elite status (with $25K spend)
- 85K-point Free Night Award annually
- $300 dining credit + $25 monthly Marriott credit
FAQ
›Wells Fargo Active Cash vs Marriott Bonvoy Brilliant: 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, Marriott Bonvoy Brilliant 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, Marriott Bonvoy Brilliant 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. Marriott Bonvoy Brilliant: 95,000 Bonvoy points after $6,000 spend in 6 months.