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BofA Unlimited Cash Rewards 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.

Our score: BofA Unlimited Cash Rewards is ahead by 3.0 points. Scores: BofA Unlimited Cash Rewards 64.9%, Wells Fargo Active Cash 61.9%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): BofA Unlimited Cash Rewards nets $346/yr, Wells Fargo Active Cash nets $461/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

• Annual feeRewards: 10.0 · Cash: 10.0
• Rewards rateRewards: 6.0 · Cash: 8.0
• Sign-up bonusRewards: 3.3 · Cash: 1.3
• Intro 0% APRRewards: 7.1 · Cash: 5.7
• Regular APRRewards: 8.0 · Cash: 7.3
• Foreign transaction feeRewards: 3.0 · Cash: 3.0
• Regulatory record (CFPB)Rewards: 8.0 · Cash: 8.0

Downsides

• BofA Unlimited Cash Rewards64.9%
  Bank of America · cash back
  Annual fee $0Interest rate (APR) 17.74%–27.74% variableRewards 1.5% baseCredit 620–719, 720+ (CFPB TCCP targeted tiers)

  ⚠ 3% foreign transaction fee · APR up to 27.74% if you carry a balance · Penalty interest rate (APR) up to 29.99%

• Wells Fargo Active Cash61.9%
  Wells Fargo · cash back
  Annual fee $0Interest rate (APR) 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, BofA Unlimited Cash Rewards or Wells Fargo Active Cash?

On VaultRubric's rubric: BofA Unlimited Cash Rewards 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.