Bank of America Customized Cash Rewards credit card vs. Wells Fargo Active Cash Card
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
Bank of America Customized Cash Rewards credit card
Bank of America
Wells Fargo Active Cash Card
Wells Fargo
Bank of America Customized Cash Rewards credit card and Wells Fargo Active Cash Card split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.
Bank of America Customized Cash Rewards credit card wins on earning ceiling; Wells Fargo Active Cash Card wins on travel insurance.
Who wins what
1 vs 1 (2 tie)- First-year math Tie
Both cards land within $25 of each other after the annual fee.
- Annual fee Tie
Same annual fee.
- Earning ceiling Bank of America Customized Cash Rewards credit card
Bank of America Customized Cash Rewards credit card earns more on its best category (3× vs 0×).
- Travel insurance Wells Fargo Active Cash Card
Wells Fargo Active Cash Card carries built-in travel insurance.
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- $200
- $200
- First-year net
- +$200
- +$200
- Peak earning rate
- 3×
- —
- Top categories
- Choice Category, Grocery
- —
- Lounge access
- No
- No
- Travel insurance
- No
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- 3.00%
- 3.00%
- Reward currency
- Cashback
- Cashback
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.