Amex Blue Cash Everyday 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: Amex Blue Cash Everyday leads by 3.2 pts. Scores: Amex Blue Cash Everyday 65.1%, Wells Fargo Active Cash 61.9%.
At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Amex Blue Cash Everyday nets $434/yr, Wells Fargo Active Cash nets $461/yr after annual fees. Use your own numbers →
Criterion scores (0–10)
Annual feeEveryday: 10.0 · Cash: 10.0
Rewards rateEveryday: 5.0 · Cash: 8.0
Sign-up bonusEveryday: 2.0 · Cash: 1.3
Intro 0% APREveryday: 8.6 · Cash: 5.7
Regular APREveryday: 7.0 · Cash: 7.3
Foreign transaction feeEveryday: 3.0 · Cash: 3.0
Regulatory record (CFPB)Everyday: 10.0 · Cash: 8.0
Annual fee $0APR 19.74%–28.74% variableRewards 3% U.S. supermarkets, U.S. online retail, U.S. gas (each up to $6k/yr); 1% otherCredit 720+ (CFPB TCCP targeted tiers)
⚠ 2.7% foreign transaction fee · APR up to 28.74% if you carry a balance · Penalty APR Prime + 26.74% (variable)
⚠ 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, Amex Blue Cash Everyday or Wells Fargo Active Cash?
On VaultRubric's rubric: Amex Blue Cash Everyday scores higher. 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.