Bank of America® Customized Cash Rewards vs. Wells Fargo Active Cash®
Side-by-side comparison · Updated 2026 · Independently reviewed
Bank of America® Customized Cash Rewards
Bank of America
4.3
3% in your choice category. 2% at grocery/wholesale. No annual fee.
Full review →
Wells Fargo Active Cash®
Wells Fargo
4.6
Unlimited 2% cash back. $200 bonus. No annual fee.
Full review →WealthSpott Verdict
Bank of America® Customized Cash Rewards wins on more measurable categories — particularly annual cost. Wells Fargo Active Cash® may still win for your wallet depending on how you spend.
Feature
Bank of America®
Wells Fargo Active
Annual Fee
$0
$0
Sign-up Bonus
$200
$200
Rewards Rate
1%-3%
2%
Rewards Type
Cash Back
Cash Back
0% Intro APR
0% for 15 billing cycles
0% for 15 months
Regular APR
19.24%-29.24% Variable Best
19.49%-29.49% Variable
Foreign Transaction Fee
Yes
Yes
Recommended Credit Score
670-850
670-850
Bank of America® Customized Cash Rewards
Pros
- 3% on your choice category (gas, dining, online, etc.)
- 2% at grocery stores and wholesale clubs
- No annual fee
- Boostable with Preferred Rewards (up to 75%)
Cons
- 3% foreign transaction fee
- 3% choice category caps at $2,500/quarter
- Must actively choose your category
Wells Fargo Active Cash®
Pros
- 2% cash back on all purchases
- $200 sign-up bonus
- No annual fee
- 0% intro APR for 15 months
Cons
- 3% foreign transaction fee
- No bonus categories for heavy spenders
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