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Amazon Prime Visa vs Wells Fargo Active Cash

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric: too close to call (under 3 pts). Scores: Amazon Prime Visa 64.4%, Wells Fargo Active Cash 61.9%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Amazon Prime Visa nets $385/yr, Wells Fargo Active Cash nets $461/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

Annual feeVisa: 10.0 · Cash: 10.0
Rewards rateVisa: 6.0 · Cash: 8.0
Sign-up bonusVisa: n/a · Cash: 1.3
Intro 0% APRVisa: 0.0 · Cash: 5.7
Regular APRVisa: 7.8 · Cash: 7.3
Foreign transaction feeVisa: 10.0 · Cash: 3.0
Regulatory record (CFPB)Visa: 10.0 · Cash: 8.0

Amazon Prime Visa

IssuerChase
Typecash back
Annual fee$0 (No card annual fee; 5% rates require an eligible Prime membership (cost not counted)) amazon.com, 2026-10-12
Regular purchase APR18.74%–27.49% variable files.consumerfinance.gov, 2025-12-31
Rewards1% base; 5% online; 2% dining; 2% gas; 2% transit amazon.com, 2026-10-12
Sign-up bonus (≈$)not found amazon.com, 2026-10-12
Intro APRnone No intro APR shown amazon.com, 2026-10-12
Foreign transaction feenone files.consumerfinance.gov, 2025-12-31
Penalty APRup to 29.99% Chase's CFPB-filed agreements list a penalty APR of 'up to 29.99%'; agreements are not labeled by product, so this is issuer-level consumerfinance.gov, 2026-06-30
Late feeup to $39 up to (first and repeat late fee) files.consumerfinance.gov, 2025-12-31
Balance transfer fee4% files.consumerfinance.gov, 2025-12-31
Cash advance fee4% files.consumerfinance.gov, 2025-12-31
Credit needed≤619, 620–719, 720+ (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31
Grace period21 days files.consumerfinance.gov, 2025-12-31
Cash advance APR28.49% files.consumerfinance.gov, 2025-12-31

Wells Fargo Active Cash

IssuerWells Fargo
Typecash back
Annual fee$0 creditcards.wellsfargo.com, 2026-10-11
Regular purchase APR18.74%–28.74% variable creditcards.wellsfargo.com, 2026-10-11
RewardsUnlimited 2% cash rewards on purchases creditcards.wellsfargo.com, 2026-10-11
Sign-up bonus (≈$)$100 $100 after $500 in 3 months creditcards.wellsfargo.com, 2026-10-11
Intro APR12 months 0% intro APR 12 months on purchases and qualifying balance transfers creditcards.wellsfargo.com, 2026-10-11
Foreign transaction fee3% 3% of each transaction converted to U.S. dollars wellsfargo.com, 2026-10-11
Penalty APRnone No penalty APR appears in the issuer's CFPB-filed agreement (only penalty fees are listed) consumerfinance.gov, 2026-06-30
Late feenot found files.consumerfinance.gov, 2025-12-31
Balance transfer feenot found files.consumerfinance.gov, 2025-12-31
Cash advance feenot found files.consumerfinance.gov, 2025-12-31
Credit needed620–719, 720+ (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31
Grace period25 days files.consumerfinance.gov, 2025-12-31
Cash advance APR29.49% files.consumerfinance.gov, 2025-12-31
CFPB survey APR (2025-12-31)18.49%–28.49% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer

Downsides

Amazon Prime Visa64.4%
Chase · cash back
Annual fee $0 (No card annual fee; 5% rates require an eligible Prime membership (cost not counted))APR 18.74%–27.49% variableRewards 1% base; 5% online; 2% dining; 2% gas; 2% transitCredit ≤619, 620–719, 720+ (CFPB TCCP targeted tiers)
⚠ APR up to 27.49% if you carry a balance · Penalty APR up to 29.99% · Late fee up to $39
Wells Fargo Active Cash61.9%
Wells Fargo · cash back
Annual fee $0APR 18.74%–28.74% variableRewards Unlimited 2% cash rewards on purchasesCredit 620–719, 720+ (CFPB TCCP targeted tiers)
⚠ 3% foreign transaction fee · APR up to 28.74% if you carry a balance

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

Which is better, Amazon Prime Visa or Wells Fargo Active Cash?

On VaultRubric's rubric: too close to call. The better card for you depends on where you spend; the calculator shows net value for your spending.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.