Capital One Platinum Secured vs. Wells Fargo Active Cash®
Side-by-side comparison · Updated 2026 · Independently reviewed
Capital One Platinum Secured
Capital One
4.2
Secured card with flexible deposit. Consider for credit building.
Full review →
Wells Fargo Active Cash®
Wells Fargo
4.6
Unlimited 2% cash back. $200 bonus. No annual fee.
Full review →WealthSpott Verdict
Capital One Platinum Secured and Wells Fargo Active Cash® are closely matched. The right choice depends on your top spending categories and whether you'll use each card's perks.
Feature
Capital One Platinum
Wells Fargo Active
Annual Fee
$0
$0
Sign-up Bonus
None
$200
Rewards Rate
0%
2%
Rewards Type
None
Cash Back
0% Intro APR
N/A
0% for 15 months
Regular APR
29.99% Variable
19.49%-29.49% Variable Best
Foreign Transaction Fee
None Best
Yes
Recommended Credit Score
300-669
670-850
Capital One Platinum Secured
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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