Active Cash Credit Card vs Reflect Card
Fees, rewards and real yearly value, side by side. Updated October 29, 2026.
Active Cash Credit Card
Estimated value every year on typical spending
$624/ year
Every year, after the annual fee. Year one adds a $100 welcome bonus: $724
Reflect Card
Estimated value every year on typical spending
$312/ year
Every year, after the annual fee. No welcome bonus.
The short answer
- On typical spending, the Wells Fargo Active Cash Credit Card comes out ahead: about $624 a year after its fee, against $312 for the Wells Fargo Reflect Card.
- The Wells Fargo Active Cash Credit Card earns more on groceries, dining, gas, travel, everything else.
Side by side
| Active Cash Credit Card | Reflect Card | |
|---|---|---|
| Annual fee | $0 | $0 |
| Rewards | 2% cash rewards on purchases with no categories to track or quarterly activations | The card offers personalized deals through My Wells Fargo Deals, allowing cardholders to earn cash back as account credits |
| Welcome bonus | $100 cash rewards bonus when you spend $500 in purchases in the first 3 months | None |
| Credits counted | $0/yr | $0/yr |
| Intro APR | 0% for the first 12 months | 0% for the first 21 months |
| Regular APR | 18.74% to 24.74% variable | 17.74% to 24.24% variable |
| Foreign transaction fee | 3% | 3% |
| Credit needed | Not specified | Not specified |
Yearly rewards by category
| Category (monthly spend) | Active Cash Credit Card | Reflect Card |
|---|---|---|
| groceries ($500) | $120 | $60 |
| dining ($400) | $96 | $48 |
| gas ($200) | $48 | $24 |
| travel ($300) | $72 | $36 |
| everything else ($1,200) | $288 | $144 |
Yearly value is rewards plus credits you'd realistically use, minus the annual fee, on $2,600/month: $500 groceries, $400 dining, $200 gas, $300 travel, $1,200 everything else. Points use conservative cash values; store-only rewards count at half. How we rank · Use your own spending
Questions people ask
Which is better, the Wells Fargo Active Cash Credit Card or the Wells Fargo Reflect Card?
On typical spending the Wells Fargo Active Cash Credit Card is worth more: about $624 a year after its fee, against $312 for the Wells Fargo Reflect Card. Which is better for you depends on where you spend most; see the category answers below.
Which is better for groceries?
The Wells Fargo Active Cash Credit Card. On $500 a month of groceries it earns about $120 a year, against $60 with the Wells Fargo Reflect Card.
Which is better for dining?
The Wells Fargo Active Cash Credit Card. On $400 a month of dining it earns about $96 a year, against $48 with the Wells Fargo Reflect Card.
Which is better for travel?
The Wells Fargo Active Cash Credit Card. On $300 a month of travel it earns about $72 a year, against $36 with the Wells Fargo Reflect Card.
Which is better for gas?
The Wells Fargo Active Cash Credit Card. On $200 a month of gas it earns about $48 a year, against $24 with the Wells Fargo Reflect Card.
Put any two cards head to head.
Pick any cards, including ones you already hold, and compare them on your own spending.
Open CompareRelated comparisons
- Citi Double Cash Credit Card vs Active Cash Credit Card
- Chase Freedom Unlimited vs Active Cash Credit Card
- Quicksilver Cash Back Rewards Card vs Active Cash Credit Card
- Citi Simplicity Credit Card vs Reflect Card
- Citi Diamond Preferred Credit Card vs Reflect Card
- BankAmericard Credit Card vs Reflect Card
- Active Cash Credit Card vs Wells Fargo Autograph Card
Card details are collected from issuer websites and were last refreshed October 29, 2026. Terms change often; confirm them with the issuer before you apply.