Chase Freedom Unlimited® vs. Wells Fargo Active Cash®
Side-by-side comparison · Updated 2026 · Independently reviewed
Wells Fargo Active Cash®
Wells Fargo
4.6
Unlimited 2% cash back. $200 bonus. No annual fee.
Full review →WealthSpott Verdict
Wells Fargo Active Cash® wins on more measurable categories — particularly annual cost. Chase Freedom Unlimited® may still win for your wallet depending on your spending patterns.
Feature
Chase Freedom Unlimited®
Wells Fargo Active
Annual Fee
$0
$0
Sign-up Bonus
$200
$200
Rewards Rate
1.5%-5%
2%
Rewards Type
Cash Back
Cash Back
0% Intro APR
0% intro APR for 15 months
0% for 15 months
Regular APR
20.49%-29.24% Variable
19.49%-29.49% Variable Best
Foreign Transaction Fee
Yes
Yes
Recommended Credit Score
670-850
670-850
Chase Freedom Unlimited®
Pros
- No annual fee
- Strong bonus categories (dining, drugstores, travel via Chase)
- 0% intro APR for 15 months
Cons
- 3% foreign transaction fee
- Bonus categories require activation
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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