American Express
Blue Cash Everyday Card from American Express
Similar General spending profile with a different fee and perk mix.
No fee$200 bonus
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Wells Fargo
Wells Fargo Active Cash Card
Active Cash earns unlimited 2% cash rewards on purchases with no annual fee.
Best for General spendingCash backPersonal cardGood+ credit
Year-one value
$793
Balanced assumption model with the welcome offer included.
Ongoing value
$593
Rewards plus usable credits minus the annual fee.
Welcome offer
$200
$500 in 3 months
Usable credits
None
Assumes 70% real-world usage.
Modeled on a balanced $2,470/month spend mix, 1.5 cpp point valuation, and 70% credit usage.
Annual fee
No fee
No yearly fee listed
Credit needed
Good+
Issuer approval tier
Required spend
$500 / 3 mos
Welcome-offer threshold
Offsetting credits
None listed
No recurring credits in dataset
Bonus ROI
40.0%
Welcome bonus on required spend
How You Earn
Where this card pays you back
General spending
Credits And Perks
What actually offsets the fee
Cellular Telephone Protection
Can provide coverage for eligible cell phone damage or theft when the monthly wireless bill is paid with the card.
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