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Amex Blue Cash Preferred 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 Preferred leads by 4.4 pts. Scores: Amex Blue Cash Preferred 66.3%, 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 Preferred nets $499/yr, Wells Fargo Active Cash nets $461/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

• Annual feePreferred: 8.0 · Cash: 10.0
• Rewards ratePreferred: 6.5 · Cash: 8.0
• Sign-up bonusPreferred: 3.3 · Cash: 1.3
• Intro 0% APRPreferred: 8.6 · Cash: 5.7
• Regular APRPreferred: 7.0 · Cash: 7.3
• Foreign transaction feePreferred: 3.0 · Cash: 3.0
• Regulatory record (CFPB)Preferred: 10.0 · Cash: 8.0

Downsides

• Amex Blue Cash Preferred66.3%
  American Express · cash back
  Annual fee $95 ($0 intro first year, then $95)APR 19.74%–28.74% variableRewards 6% U.S. supermarkets (up to $6k/yr) & select streaming; 3% transit & U.S. gas; 1% otherCredit not found

  ⚠ $95 annual fee ($0 intro first year, then $95) · 2.7% foreign transaction fee · APR up to 28.74% if you carry a balance

• 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, Amex Blue Cash Preferred or Wells Fargo Active Cash?

On VaultRubric's rubric: Amex Blue Cash Preferred 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.