Chase Sapphire Reserve® vs. Wells Fargo Active Cash®
Side-by-side comparison · Updated 2026 · Independently reviewed
Chase Sapphire Reserve®
Chase
4.7
10x on Chase Travel. $300 travel credit. Priority Pass lounge access.
Full review →
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 Sapphire Reserve® may still win for your wallet depending on your spending patterns.
Feature
Chase Sapphire Reserve®
Wells Fargo Active
Annual Fee
$550/yr
$0 Best
Sign-up Bonus
60,000 points
$200
Rewards Rate
1x-10x
2%
Rewards Type
Points
Cash Back
0% Intro APR
N/A
0% for 15 months
Regular APR
22.49%-29.49% Variable
19.49%-29.49% Variable Best
Foreign Transaction Fee
None Best
Yes
Recommended Credit Score
720-850
670-850
Chase Sapphire Reserve®
Pros
- $300 annual travel credit offsets fee
- 10x on Chase Travel portal purchases
- Priority Pass lounge access worldwide
- 3x on dining and travel outside Chase portal
Cons
- $550 annual fee — one of the highest
- Overkill if you don't travel frequently
- Annual fee was recently raised from $450
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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