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USAA Preferred 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: USAA Preferred Cash Rewards 58.7%, Wells Fargo Active Cash 61.9%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): USAA Preferred 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: 8.8 · Cash: 7.3
• Foreign transaction feeRewards: 10.0 · Cash: 3.0
• Regulatory record (CFPB)Rewards: n/a · Cash: 8.0

Downsides

• USAA Preferred Cash Rewards58.7%
  USAA · cash back · limited data
  Annual fee $0 (CFPB TCCP; issuer page did not render a clear fee)APR 15.65%–27.65% variableRewards 1.5% baseCredit no credit score, ≤619, 620–719, 720+ (CFPB TCCP targeted tiers)

  ⚠ APR up to 27.65% if you carry a balance · Late fee up to $35 · Unlimited 1.5% cash back (per the card's Visa card-finder listing; USAA's page blocks automated reads). USAA membership required.

• 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, USAA Preferred 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.