Home › Credit cards › Compare › Capital One Quicksilver vs Wells Fargo Active Cash

Capital One Quicksilver 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: Capital One Quicksilver leads by 14.0 pts. Scores: Capital One Quicksilver 75.9%, Wells Fargo Active Cash 61.9%.

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

Criterion scores (0–10)

• Annual feeQuicksilver: 10.0 · Cash: 10.0
• Rewards rateQuicksilver: 6.0 · Cash: 8.0
• Sign-up bonusQuicksilver: 2.7 · Cash: 1.3
• Intro 0% APRQuicksilver: 7.1 · Cash: 5.7
• Regular APRQuicksilver: 7.3 · Cash: 7.3
• Foreign transaction feeQuicksilver: 10.0 · Cash: 3.0
• Regulatory record (CFPB)Quicksilver: 10.0 · Cash: 8.0

Downsides

• Capital One Quicksilver75.9%
  Capital One · cash back
  Annual fee $0APR 18.74%–28.74% variableRewards Unlimited 1.5% cash backCredit Excellent

  ⚠ APR up to 28.74% if you carry a balance · Late fee up to $40

• 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, Capital One Quicksilver or Wells Fargo Active Cash?

On VaultRubric's rubric: Capital One Quicksilver 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.