The Wells Fargo Active Cash® Card offers 2%. See the pros and cons of each card and how to choose. As a Citi customer, as with most other card companies, you can get help with your card or account 24 hours. Using the card for. The Wells Fargo Active Cash® Card earns 2% cash rewards on purchases and offers a $0 annual fee, 0% intro APR for 15 months from. Chase Sapphire Preferred Wells Fargo Active Cash. The Capital One SavorOne** is another card that offers a ton of features without asking for an annual fee in return. Never had that problem with any other card. The Wells Fargo Active Cash card offers 0% APR for 15 months, while the Citi Double Cash Card offers 0% APR for 18 months on balance transfers, so the Citi card would give you more time to repay. Citi Custom Cash Card vs Wells Fargo Active Cash Card 2023 Written by investor. Welcome bonus: $100 statement credit after spending $1,500 on purchases in the first 90 days of account opening. Bottom line: Don’t use Citi ThankYou points to shop with points at Amazon. JS by Jason Steele. Citi Double Cash® Card. Historical Offers Chart. The Capital One Venture card offers a generous welcome bonus for meeting spending requirements within the first 3 months after card approval. Wells Fargo Active Cash® Card: Best for earning 2% cash rewards on purchases (including Amazon) Citi® Double Cash Card : Best for 2% cash back everywhere with a long intro 0% APR on balance. These bonus cash rewards will show as redeemable within 1 – 2 billing periods after they are earned. 73. Finally, they cash out at a standard . However, the most significant difference is in the card APRs. I just don't like the more limited visibility into WF. The Wells Fargo Active Cash card I believe has some restrictions on how you can redeem the cash back you will want to read the fine print there. Citi Double Cash Caret Down While the Citi Double Cash is a comparable 2 percent cash back card, you could earn less than 2 percent rewards if you aren’t on top of. 1. Citi Double Cash® Card. The Citi Double Cash® Card outshines its competitor with a more substantial ongoing rewards rate on all purchases and a. 5% cash-back rate on all other purchases while the Wells Fargo Active Cash card earns 2% cash-back on every purchase, regardless of category. Wells Fargo Active Cash® Card. The Wells Fargo Active Cash Card earns 2% cash rewards on purchases and charges no annual. Chase Freedom Unlimited spending example. com database is $181. You will earn unlimited 2% cash rewards on all of the purchases that you make. Citi Custom Cash Card vs. I've been a Discover member for two decades and looking for a new card with better cashback rewards. Annual fee: $0. Not a banking app, just through PayPal (which most people already have). 24% or 29. Cash rewards cards that earn 2 percent on purchases aren’t unheard of, but the Active Cash card cuts the strings typically attached to that sky-high rate and leads the pack when it comes to. While the Citi Double Cash card is the most popular 2 percent cash back card, you might not actually earn 2 percent rewards. For context, the average annual rewards payout from the cashback credit cards in the investor. the Citi Double Cash card doesn’t require a Fidelity account and offers a 0% intro APR on balance transfers for 18 months. Alternative Cards to the Wells Fargo Active Cash Card Citi Double Cash. Wells Fargo phrases the bonus this way: "Earn a $200 cash rewards. Capital One Quicksilver Verdict Chase Freedom Unlimited® is the winner over the Capital One Quicksilver Cash Rewards Credit Card. With Citi Double Cash you get 1% back at the end of the statement cycle of the charge and 1% back at the end of the statement cycle of the payment. 24% variable APR;. The Wells Fargo Active Cash® Card offers unlimited 2% cash rewards on all purchases and a generous sign-up bonus with no annual fee. If you're looking for a major bank that's free of scandals, it doesn't exist. Alternative Wells Fargo Cash Back Credit Card. I wouldn't want a Wells Fargo account and I think Citi has the most stable product currently. Chase Sapphire Preferred;No annual fee. A comparison of two cash-back credit cards with an annual fee of $0 and unlimited 2% cash back. However, if you're looking to keep building your retirement, redemption on the Fidelity Card could be an easy way to keep. Other cash back cards earn more back. You need to spend at least $264 a month on groceries for 6% and $95 fee to be better than 3% with no annual fee. After that, the standard variable APR will be 19. 5% back, though cards like the Wells Fargo Active Cash® Card are raising the bar. CDC which cashback is better2:24 - Annual Fee and Foreig. (SUB + 2% of 10K) same spend but double the rewards. 24%, or 29. Best for Automatic 5% Cash Back: Citi Custom Cash® Card. Wells Fargo Active Cash Card Earn unlimited 2% cash rewards on purchases. Bank Visa® Platinum Card *. Citibank offers a bigger cash bonus opportunity — up to $2,000. Regular APR is high: The main draw for this card is the introductory APR to help you pay down debt. Overview of the best 2% cash Back credit cards. $0 annual fee. If Wells Fargo Rewards allowed you to transfer points 1:1 with BILT Rewards, I think that'd be a huge competitor to Chase / Citi / CapOne / AmEx. Take a look at this table to quickly compare the primary benefits of. And Wells Fargo no longer has a minimum rewards redemption requirement. Save your windfalls. It also earns an unlimited 2%. Wells Fargo Active Cash® Card is a great card that also has a simple rewards structure. Increased Cash Back Potential: If you shop online through the Rewards Center Earn Mall, you can access over 1,100 stores and earn more cash back. 1. I have a few other cash back cards, my main one is Citi® Double Cash Credit Card. Wells Fargo Active Cash vs. This Wells Fargo Active Cash Card review covers the pros and cons of this credit card, including its high cashback rewards and welcome bonus. Though not quite as straightforward as a flat 2% cash-back card, the Double Cash rewards 2% cash back on all purchases—1% when purchases. Offers may differ from time to time and depend on the marketing channel, such as phone, email, online, direct mail, or in branch. Earn $200 cash back. 5% unlimited cash back on all purchases. That's not exactly what I said. Assuming that this. Finally, they cash out at a standard . Use our table to compare your Wells Fargo credit card options and get a sense of which one is best for you. supermarkets, U. Concierge service, 24/7. Wells Fargo Platinum card: Best for those looking for a longer 0% APR period. For instance, Chase has options that also don’t have an annual fee and earn up to 5% back. 24% (Variable) APR applies. These are the popular cards that most people can accessibly earn a good flat-rate cash back. Your Wells Fargo Visa Signature ® card provides complimentary concierge 11 service that can help you enjoy the things you love. After that, the standard variable. 0% intro APR for 15 months on purchases and qualified balance transfers (subject to either $5 or 3% of the amount of each balance transfer, whichever is greater). The Bank of America® Unlimited Cash Rewards credit card is a no-nonsense card that offers 1. ) has been far better than Synchrony Bank on my Sam's Mastercard. Best for 2% Cash Back: Wells Fargo Active Cash® Card. This card also comes with no annual fee, and new cardholders get a 0% intro APR on. Citi Double Cash vs. The Freedom Unlimited card is a good choice if you’ll spend on select travel via the Chase travel portal, on dining, and at drugstores. Wells Fargo Active Cash® Card: Best cash-back card. S. Wells Fargo Reply BrutalBodyShots • Additional comment actions. Chase Freedom Unlimited. One difference is that Wells Fargo offers a shorter 0% introductory rate. There doesn’t seem to be a specific minimum to redeem rewards for purchases or to buy with points. Citi Double Cash v. Pros Generous 18-month 0% introductory APR on balance transfers Flat cash-back rate No annual fee Cons Charges foreign transaction fees No added. ”. would all get 2% instead of 1%. DoorDash Rewards Mastercard® vs. An introductory APR of 0% for 15 months from account opening on purchases ( 20. The Citi Double Cash and Wells Fargo Active Cash have similar earning rates and no annual fee, but one offers more benefits. Learn more: Citi® Double Cash Card. A 2% cash-back credit card that offers an introductory sign-up bonus is rare. Chase Sapphire Preferred Wells Fargo Active Cash. The Active Cash Card offers 0% intro. 01 in any bank, or you can transfer points to a few airlines / hotels. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24. Chase Freedom Unlimited®: Best for Bonus. One of the best cards for online shopping is the Citi Double Cash ® Card where you can earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12. Chase Sapphire Preferred Wells Fargo Active Cash® Chase Sapphire Reserve Citi Double Cash Citi Diamond Preferred Chase Ink Business Unlimited American Express Blue Business Plus. We are available 24 hours a day, 365 days a year for your travel, dining and entertainment needs. but I prefer my Citi double cash card, which is 2% as well. The WF Active Cash, on the other hand, provides 0% intro APR for 15 months on both purchases and balance transfers. It can help you save energy because it reduces the flow of electricity to the bulb, so the. Neither. The Wells Fargo Active Cash Card is a competitive addition to that short list, one-upping the terms of the Wells Fargo Cash Wise card and comparable to the established Citi Double Cash Card, another $0 annual. Was with you up until the cancellation part. Synchrony Premier World Mastercard. 2% unlimited cash rewards on purchases; $200 cash rewards bonus when you spend $1,000 in the first 3 months. The Wells Fargo Active Cash Card is another no-annual-fee card that earns 2% cash rewards on purchases. Wells Fargo Active Cash® Card (see rates. Intro APR of 0% for 12 months from. A cash advance, in particular, is an expensive way to borrow money. 24%, 25. Citi Double Cash; Chase Freedom Unlimited vs. This Visa Signature. However, I don't think you should listen to the bad rumors about Wells Fargo. 5%). Citi Double Cash® Card. The Citi Double Cash® Card earns 2% cash back on purchases — 1% when purchases are made and another 1% when they’re paid off, plus. The Citi Double Cash card's simple cash back structure and long-lasting balance. This coverage is limited to up to 2 claims per 12-month period and there is a $25 deductible per claim. Here’s an overview of how cash back works on credit cards: Earn a percentage of the amount paid every time you make a qualifying purchase with your cash back credit card. Wells Fargo Active Cash® Card. com purchases. However, your earning potential can be higher if you’re spending habits don’t align with the bonus tiers. Currently, the Citi Double Cash doesn’t. The Chase Freedom Unlimited card offers everything Capital One Quicksilver does, plus a few extra bonus rewards categories and other perks. The Citi Double Cash and Wells. Best Overall Balance Transfer Credit Card: U. Wells Fargo Active Cash Card: Earn unlimited 2% cash rewards on purchases; Capital One SavorOne: Earn 10% cash back on Uber & Uber Eats purchases (through 11/14/2024)Card type: Cash back. The Wells Fargo Active Cash also lets you redeem your rewards for gift cards in increments of $25, from an ATM with a $20 minimum, or into an eligible Wells Fargo checking or savings account. For example, the Wells Fargo Active Cash® Card earns 2% cash rewards on purchases, and the Citi® Double Cash Card. No annual fee: The Wells Fargo Reflect Card has a $0 annual fee, and the Active Cash Card has a $0 annual fee. 24%, 25. Best for Long Introductory APR Period: Wells Fargo Reflect® Card. And they gave the GoRewards offers which may help you save money. If you're looking to make a large purchase. Like the Power Cash Rewards, the. As I noted above, the only real negative IMO is the 3% foreign transaction fee. Citi® Double Cash Card. 24% or 29. The Wells Fargo Active Cash Card doesn’t offer travel or purchase protections like the Amazon Visa card, but it does include cellphone protection if you pay your cellphone bill with the card. Amex Blue Cash Everyday is a better credit card because it offers cash back rewards, as there’s no difference between the cards’ fees or low-interest promotions. There are better 2% alternative like the WF active cash with a nice sub. Wells Fargo Active Cash (2% flat-rate cash back, 3% FTF) - $200 SUB for $1000 spend. I have had no major issues with using WF cards. Fidelity® Rewards Visa Signature® Card: Best. PayPal master card is better. I didn't mention this previously, but here's a breakdown of the Citi Custom Cash vs the. Like the Citi Double Cash Back Card, the Wells Fargo Active Cash Card lets you earn a flat 2% cash back rate on all purchases, and it doesn’t have an annual fee. Upgrade Triple Cash Rewards basics. Wells Fargo Active Cash® Card vs. It also offers a welcome bonus: a $200 cash. Platinum X5 Card from Credit One basics. Citi Double Cash Card vs. With the Double Cash, every purchase earns 2% back that you can redeem for statement credits or mailed checks. Install dimmer switches. Simply pay your monthly cell phone bill with your Wells Fargo Active Cash card and you can receive up to $600 of cell phone protection against damage or theft. To learn more, please visit Wells Fargo Balance Transfers. 1 out of 5 rating 133 Reviews 133 Reviews. So I'm looking at cards that always provide at least 2% cashback regardless of category. It offers a whopping 2%. Earn unlimited 2% cash rewards on purchases. Never has been a problem with Wells FargoWells Fargo Active Cash® Card;. A $ 200 cash rewards initial bonus. Gotcha. Who the Wells Fargo Active Cash Card is Best For. Citi Double Cash® Card Those seeking a balance transfer card with longevity past the 0% APR period will find the no-annual-fee Citi Double Cash more attractive than. The Wells Fargo Active Cash® Card is definitely worth it for anyone with good credit or better who wants a $0 annual fee credit card with cash back rewards. 36 cash back per year with Blue Cash Everyday from American Express and $240. Holders of the Citi Rewards+® Card and Citi Double Cash® Card can transfer points to a shorter list of travel partners. Navy Federal Credit Union Visa Signature® Flagship Rewards Card * vs. The value of a 1. If you typically receive an annual. Rewards rate: Up to 2 percent cash back on all purchases (1 percent when you buy, plus 1 percent when. The Autograph has car rental CDW and no foreign transaction fees. 5%. Credit cards that are better than the Citi Double Cash Card may include Chase Freedom Unlimited® and Wells Fargo Active Cash, depending on your exact spending habits and preferences. Citi Double Cash. This card also comes with no annual fee, and new. You’ll get the full bonus sooner from Wells Fargo Active Cash, while the Chase Freedom Unlimited card’s bonus is slightly more valuable. The Citi Double Cash and Wells Fargo Active Cash have similar earning rates and no annual fee, but one offers more benefits and a welcome bonus. For context, the average annual rewards payout from the cashback credit cards in the investor. The $25 redemption limit doesn't bother me because I don't do anything with that little bit of cash back anyway. Bank of America Unlimited Cash Rewards vs. This portal only worked with cards that get cash rewards like the Dividend and the Double Cash. It also delivers 2% cash rewards on purchases. S. Base rewards rate: 2% cash rewards on purchases. American Express Blue Cash Preferred Card basics. But if you spend $10000 with this new card, you’ll get $400. You have the right. Wells Fargo Active Cash offers a sign-up bonus, a 0% intro APR offer, and cell phone insurance, while Citi Double Cash has a simple cash-back rate. Plus, the card offers an initial bonus of $200 cash rewards after spending $500 in the first 3 months. 24%. Your Wells Fargo Visa Signature ® card provides complimentary concierge 11 service that can help you enjoy the things you love. Wells Fargo phrases the bonus this way: "Earn a $200 cash rewards. The Citi® Double Cash Card is another $0 annual fee cash-back card, boasting 2% cash back versus the Capital One. 24%. JS by Jason Steele Edited by Ryan M Tronier July 31, 2023. Citi Custom Cash vs Double Cash - One card only, which to choose?. Finally, they cash out at a standard . One perk of the Wells Fargo Active Cash Card 2% card vs. Don't Which To Choose. Welcome bonus: You can earn a $200 cash rewards bonus with the Wells Fargo Active Cash® Card when you spend $500 on the card in the first three months. Unlimited 2% cash back (you earn 1% when you make a purchase and 1% when you pay it off on time) Welcome offer of 20,000 ThankYou® Points, redeemable for $200 cash back, when you spend $1,500 on. Rewards Rate. I hate that my Active Cash does this. Earn a $200 cash rewards bonus when you spend $500 in purchases in the first three months. With Citi Double Cash the $25 is the redemption minimum, so once you accrued over $25, you can redeem the entire cash back balance. Also no FTF, which is great for the occasional overseas trip. Rewards Program Details: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. 3 important differences between Wells Fargo Autograph vs. The $95-annual-fee Citi Premier® Card and Citi Custom Cash® Card are an excellent duo for everyday use. This card also comes with no annual fee, and new cardholders get a 0% intro APR on. For instance, Chase has options that also don’t have an annual fee and earn up to 5% back. Unlike. Wells Fargo Active Cash® Card. You get 1% cash back when the purchase is made, and the. S. 0% intro APR for 15 months on purchases and qualified balance transfers (subject to either $5 or 3% of the amount of each balance transfer, whichever is greater). Citi DC - 2% on EVERYTHING including bills paid as opposed to some cards that only give 2% on “purchases. We'll compare the introductory bonuses, how cashback is earned,. Note, the Citi Custom Cash technically earns basic ThankYou points, so your welcome bonus will be rewarded in the form of points (redeemable for $200 in cash. Costco Anywhere Visa® Card by Citi *: Earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year, then 1% thereafter, 3% cash back on restaurants and eligible. With the Double Cash Card, however, you earn 1% when you make the purchase and. FNBO Evergreen (2% flat-rate cash back, 3% FTF) - $200 SUB for $1000 spend. New cardholders can also earn a $200 cash rewards bonus after spending $500 in purchases within. TD Double Up rewards. The Wells Fargo Active Cash® Card comes with a good array of benefits, which include cell phone protection, roadside dispatch, travel emergency assistance,. Welcome bonus: Earn a $250 statement credit after spending $3,000 in purchases in. 6 min read Sep 08. Bank Cash+® Visa Signature® Card. Citi® Double Cash Card : Best for earning 2% cash back with a long intro APR. The Citi Double Cash® Card is the winner over the Capital One Quicksilver Cash Rewards Credit Card. With the Wells Fargo Active Cash, the same. Finally, if you'd rather just earn a high rewards rate on everything, the Citi Double Cash® Card (see rates and fees) might be the ticket. 2% total cash-back. That can make a big difference if you ever find yourself outside the U. See related: Wells Fargo Active Cash vs. (If you aren’t successful, apply for the Custom Cash sometime after that. Chase Sapphire Preferred Wells Fargo Active Cash. Best for Choice of Bonus Categories: U. 74%, or 29. Wells Fargo Active Cash® Card. Discover It Cash Back v. People may hate Wells Fargo. There are no category restrictions and cash rewards don’t expire as long as your account remains open. Wells Fargo Active Cash Card vs. Welcome bonus: $100 statement credit after spending $1,500 on purchases in the. It also earns an unlimited 2%. 8. Further the points have a cash value of 100 points per dollar (or 1000 points per $10 as they stated), and points can be redeemed for cash at any time. S. Wells Fargo Active Cash Card Earn unlimited 2% cash rewards on purchases. Citi Double Cash. 6 min read Sep 08, 2023. 5 card will immediately give you $200 of value for hitting the SUB while a 2% card will have to take years to give you that same value you can get in just a couple. Based on identical spending inputs, you’ll earn $240. 24 percent. Citi Double Cash vs Wells Fargo Active Cash. $0. Citi Double Cash® Card. 1 out of 5 rating 133 Reviews 133 Reviews Apply Now. The Wells Fargo Active Cash® Card offers a flat 2% cash rewards on purchases — one of the highest flat rewards rates available. 3. Citi Double Cash: 2% everything. Wells Fargo Active Cash®. In this article, we’ll compare two of the most popular 2% back cards right now: the Wells Fargo. Earn a $200 cash rewards bonus when you spend $500 in purchases in the first three months. Rewards rate: Up to 2 percent cash back on all purchases (1 percent when you buy, plus 1 percent when. A 2% cash-back credit card that offers an introductory sign-up bonus is rare. Chase Freedom Unlimited®: Best no-annual-fee card. The Wells Fargo Active Cash® Card also has an intro APR offer (0% intro APR on purchases and qualifying balance transfers for 15 months from account opening, then a 20. This card doesn’t have any bonus categories as tiered rewards cards do. Main content; Search; AccountWells Fargo Active Cash vs. 1% back on all purchases and 1%. The Citi Double Cash Card is a better credit card than Capital One Quicksilver because it provides more ongoing value. When your balance is negative on a credit card, it means you’ve paid more than you currently owe. The Wells Fargo Reflect® Card offers a 0% intro APR for 21 months from account opening on purchases and qualifying balance. Wells Fargo Active Cash Card. e. Wells Fargo Active Cash® Card. Citi® Double Cash Card vs. American Express Blue Cash Everyday: 3x groceries, online purchases, gas. The Wells Fargo Active Cash ® Card, a 2% unlimited cash-rewards card with no annual fee, is sure to be one of the most popular options among flat-rate cash-rewards cards on the market. This usually takes 1-2 billing cycles. (Though paying statement balances in full. Crucially, there's no FTF, unlike the Citi Double Cash, Paypal Cashback, or Wells Fargo Active Cash. The Wells Fargo Active Cash® Card is an exception. The Citi Double Cash® Card (see rates and fees) is considered one of the best cash reward cards on the market. The no-annual-fee card offers 5% cash back on purchases in a top eligible. Wells Fargo Active Cash ® Card vs. With the Wells Fargo Active Cash Card you get a similar $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months. Earn a $200 cash rewards bonus when you spend $500 in purchases in the first three months. ”. For. 8 cents each, they can be worth much more when transferred to travel partners. gas stations, and online retail purchases in the U. Blue Cash Everyday ® Card from American Express TD Double Up Credit Card vs. It's also best if you need to pay off a high interest credit card. 24%. 0% intro APR for 15 months on purchases and qualified balance transfers (subject to either $5 or 3% of the amount of each balance transfer, whichever is greater). Earn 1% to 3% cash back on purchases. The Blue Cash Everyday® Card from American Express earns 3% cash back at U. Its main quirk is how the card. I have the active cash and the PPMC, and will be PCing the WFAC to the Autograph as I am 4/24. Balances under $25,000 will earn 0. A light dimmer is a device that controls the brightness of a light fixture. The Wells Fargo Active Cash® Card is one of a number of unlimited 2% flat-rate cash-back cards on the market. Unlike other 2% cash-back cards like the PayPal Cashback Mastercard® * , it comes with. Citi Simplicity cons. TD Double Up rewards. 24% variable APR;. 1. Miserable-Result6702. Jump to. The Citi Double Cash Card provides cardholders with 2% cash back for their purchases, one of the best flat rates available. 01 in any bank, or you can transfer points to a few airlines / hotels. This bonus offer will be fulfilled as 20,000. partial_to_fractions. The card offers 2% cash back on everything – 1% back when. S. Plus, there are a family of Citi cards that enhance the earning potential (Custom Cash, Rewards +). After that, the standard variable. They usually give me less than half of the limits I get from Citi. Wells Fargo Active Cash Card Review 2022. The Wells Fargo Active Cash card offers 0% APR for 15 months, while the Citi Double Cash Card offers 0% APR for 18 months on balance transfers, so the Citi card would give you more time to repay. As a one card setup, I would go with Active Cash because of the $200 bonus and cell phone insurance. Capital One Quicksilver; Chase Freedom Unlimited vs. Wells Fargo has a $25 minimum to redeem to a savings, mortgage, or loan account. Typically, when you make purchases on a credit card, you are given a grace period of around 30 days before you owe any interest. The daily driver, until I hit the $6k limit. So I signed up for Wells Fargo checking account so I could deposit my active cash cash back into the checking account. S. 3. Alliant Visa® Platinum * vs. Citi® Diamond Preferred® Card vs. Even then, the no annual fee Citi Custom Cash will give you 5% on up to $500 a month which beats the BCP if you only use it for groceries. 99%. You also don’t have to jump through any hoops to get the full. Both provide a flat 2% rewards and both also have 3% foreign transaction fees. Excellent, Good, Fair. Learn More About the Active Cash HERE: “Show More” to see my Favorite Financial Tools MY FINANCIAL TOOLS 💳 Credit Car. Recommended Credit Score. Wells Fargo. Wells Fargo Secured. Citi Double Cash Card. If you want the most versatile reward of them all—plain old cash, then the $0-annual-fee Citi Double Cash® Card offers a hassle-free 2% cash back on all purchases—1% when purchases are made. 5/10 CNET Rating See Rates & Fees Apply Now On Wells Fargo's secure website Intro Offer $200 cash rewards Annual fee $0 APR 20. Offers may differ from time to time and depend on the marketing channel, such as phone, email, online, direct mail, or in branch. Citi Double Cash Card. Plus, the card’s lengthy. Synchrony Premier World Mastercard. supermarket purchases -- one of the best cash-back rates around for that category -- is the driving force behind the Blue Cash Preferred’s usefulness. Capital One Spark Cash Plus. Wells Fargo Active Cash® Card 3.