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Apple Card 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: Wells Fargo Active Cash leads by 3.3 pts. Scores: Apple Card 58.6%, Wells Fargo Active Cash 61.9%.

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

Criterion scores (0–10)

• Annual feeCard: 10.0 · Cash: 10.0
• Rewards rateCard: 8.0 · Cash: 8.0
• Sign-up bonusCard: 0.0 · Cash: 1.3
• Intro 0% APRCard: 0.0 · Cash: 5.7
• Regular APRCard: 8.0 · Cash: 7.3
• Foreign transaction feeCard: 10.0 · Cash: 3.0
• Regulatory record (CFPB)Card: n/a · Cash: 8.0

Downsides

• Apple Card58.6%
  Goldman Sachs · cash back
  Annual fee $0APR 17.74%–27.99% variableRewards 2% baseCredit 620–719, 720+ (CFPB TCCP targeted tiers)

  ⚠ APR up to 27.99% if you carry a balance · 2% only with Apple Pay (physical card earns less); 3% at Apple not modeled.

• 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, Apple Card or Wells Fargo Active Cash?

On VaultRubric's rubric: Wells Fargo Active Cash 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.