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PenFed Power 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.

Rubric: Wells Fargo Active Cash leads by None pts. Scores: PenFed Power Cash Rewards 60.4%, Wells Fargo Active Cash 61.9%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): PenFed Power 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: n/a · Cash: 1.3
• Intro 0% APRRewards: 0.0 · Cash: 5.7
• Regular APRRewards: 10 · Cash: 7.3
• Foreign transaction feeRewards: 10.0 · Cash: 3.0
• Regulatory record (CFPB)Rewards: n/a · Cash: 8.0

Downsides

• PenFed Power Cash Rewards60.4%
  PenFed · cash back · limited data
  Annual fee $0 (CFPB TCCP; issuer page did not render a clear fee)APR 17.99% variableRewards 1.5% baseCredit 620–719, 720+ (CFPB TCCP targeted tiers)

  ⚠ Penalty APR up to 17.99% · 1.5% on all purchases; 2% for PenFed Honors Advantage members (not modeled). Per PenFed's card pages.

• 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, PenFed Power Cash Rewards 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.