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Apple Card vs Wells Fargo Active Cash
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Apple CardApple / Goldman Sachs | Wells Fargo Active CashWells Fargo |
|---|---|---|
| Rating | 3.8/5 | 4.5/5 |
| Annual Fee | $0 | $0 |
| APR | 17.49% - 27.74% | 18.49% - 28.49% |
| Signup Bonus | None | $200 cash rewards bonus after spending $500 in 3 months |
| Rewards Rate | 3% Daily Cash on Apple purchases and select merchants, 2% on Apple Pay purchases, 1% on everything else | 2% cash rewards on all purchases |
| Credit Score | good | good |
| Pros | No fees at all — no annual fee, foreign transaction fee, or late fees 3% back at Apple and select partners like Uber, Walgreens, and Nike Daily Cash deposited to Apple Cash immediately | Flat 2% cash rewards on all purchases with no categories to track $0 annual fee with a $200 welcome bonus 0% intro APR for 12 months on purchases and balance transfers |
| Cons | No signup bonus Only 1% with physical card (2% requires Apple Pay) Limited to Apple ecosystem for best experience | 3% foreign transaction fee Requires a Wells Fargo relationship for best experience No bonus categories beyond the flat 2% |
| View Details → | View Details → |
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Verdict
Our Pick: Wells Fargo Active Cash
With a 4.5/5 rating, the Wells Fargo Active Cash edges out the Apple Card (3.8/5). No annual fee makes it easy to justify. The Wells Fargo Active Cash is one of the strongest no-fee 2% cash back cards available. With a solid signup bonus and intro APR offer, it competes head-to-head with the Citi Double Cash while adding balance transfer flexibility.