First-year winner
Wells Fargo Active Cash Card
$200 Year 1 edge
$783 vs $583
Compare Cards
Stack up the better credit card
Compare two cards side by side with your real spend, credits, fees, and rewards.
Card A
Card B
Monthly spend
Start with spending categories
Monthly Total
$2,430/mo
Reward assumptions
Credits & benefits
Count the credits and perks you actually expect to use. Credit rows start with conservative default values; edit them for your own merchant, timing, or travel friction.
Card A
Wells Fargo Active Cash Card
Counted benefits
$0
Credits
None
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Perk
Cellular Telephone Protection
Cell Phone · No listed cash value
Can provide coverage for eligible cell phone damage or theft when the monthly wireless bill is paid with the card.
Card B
Apple Card
Counted benefits
$0
Credits
None
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Perk
Daily Cash Ecosystem
Other · No listed cash value
Apple Card is built around Daily Cash with its best economics tied to Apple Pay and Apple purchases.
Perk
Apple Card Monthly Installments
Other · No listed cash value
Eligible Apple purchases can be financed through Apple Card Monthly Installments under issuer terms.
Perk
No Fee Structure
Other · No listed cash value
Apple Card is positioned around no annual, late, or foreign transaction fees.
Perk
No Annual Fee
Other · No listed cash value
You can keep the card long term without paying a recurring annual fee.
Verdict
Wells Fargo Active Cash wins year 1. Long-term value is close.
Winner after year 1
Tie
No meaningful gap
$583 vs $583
Wells Fargo
Wells Fargo Active Cash Card
Year One
$783
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$583
Annual rewards + counted benefits - fee
Annual Rewards
$583
2.00% effective return
Welcome Offer
$200
Current listed first-year bonus value
Credits + Perks
None
$0 credits + $0 perks
Bonus Spend
$500
3 mo window · $167/mo pace · Comfortable
Why it wins
- • No standout edge under the current assumptions.
Watch for
- • Foreign transaction fees make it weaker for international spend.
Apple
Apple Card
Year One
$583
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$583
Annual rewards + counted benefits - fee
Annual Rewards
$583
2.00% effective return
Welcome Offer
None
Current listed first-year bonus value
Credits + Perks
None
$0 credits + $0 perks
Bonus Spend
No listed offer
No spend threshold in dataset
Why it wins
- • Stays usable for international purchases.
Watch for
- • There is no meaningful active welcome offer in the current dataset.
Spend Mix Math
Where the value actually comes from
Category returns are based on the spend mix you entered, your point-value assumption, and the benefits you chose to count.
Dining
2%
$5,400
Wells Fargo Active Cash
$108
2.00%
Apple
$108
2.00%
Groceries
2%
$7,800
Wells Fargo Active Cash
$156
2.00%
Apple
$156
2.00%
Travel
2%
$3,000
Wells Fargo Active Cash
$60
2.00%
Apple
$60
2.00%
Gas
2%
$1,920
Wells Fargo Active Cash
$38
2.00%
Apple
$38
2.00%
General
2%
$11,040
Wells Fargo Active Cash
$221
2.00%
Apple
$221
2.00%
Total annual spend
$29,160 across this mix
Wells Fargo Active Cash$583
Apple$583
Raw Breakdown
Full side-by-side details
Use the spec table below when you want the literal field-by-field differences in rewards, benefits, transfer partners, fees, and approval profile.
| Metric | Wells Fargo Active Cash Card | Apple Card |
|---|---|---|
| Costs | ||
| Annual fee | Free | Free |
| Foreign transaction fee | 3% | None |
| Rewards | ||
| Other rewards | — | 3% 3% Daily Cash on Apple purchases and select Apple Card partner merchants. |
| All rewards | 2% | 2% 2% Daily Cash on eligible purchases made with Apple Pay. |
| Offer | ||
| Welcome offer | $200 credit Spend $500 in 3 mo | — |
| Benefits | ||
| Estimated benefits | 1 listed | 4 listed |
| Benefit highlights | Cellular Telephone Protection | Daily Cash Ecosystem · Apple Card Monthly Installments · No Fee Structure · +1 more |
| Profile | ||
| Credit needed | Good | Good |
| Network | visa | mastercard |
| Reward type | Cashback | Cashback |
Costs
Annual fee
Wells Fargo Active Cash Card
Free
Apple Card
Free
Foreign transaction fee
Wells Fargo Active Cash Card
3%
Apple Card
None
Rewards
Other rewards
Wells Fargo Active Cash Card
—
Apple Card
3%
3% Daily Cash on Apple purchases and select Apple Card partner merchants.
All rewards
Wells Fargo Active Cash Card
2%
Apple Card
2%
2% Daily Cash on eligible purchases made with Apple Pay.
Offer
Welcome offer
Wells Fargo Active Cash Card
$200 credit
Spend $500 in 3 mo
Apple Card
—
Benefits
Estimated benefits
Wells Fargo Active Cash Card
1 listed
Apple Card
4 listed
Benefit highlights
Wells Fargo Active Cash Card
Cellular Telephone Protection
Apple Card
Daily Cash Ecosystem · Apple Card Monthly Installments · No Fee Structure · +1 more
Profile
Credit needed
Wells Fargo Active Cash Card
Good
Apple Card
Good
Network
Wells Fargo Active Cash Card
visa
Apple Card
mastercard
Reward type
Wells Fargo Active Cash Card
Cashback
Apple Card
Cashback