Southwest Rapid Rewards Plus 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.
Southwest Rapid Rewards Plus Credit Card
Chase
Wells Fargo Active Cash Card
Wells Fargo
Southwest Rapid Rewards Plus 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.
Southwest Rapid Rewards Plus Credit Card wins on earning ceiling and foreign transactions; Wells Fargo Active Cash Card wins on first-year math and annual fee.
Pick the Wells Fargo Active Cash Card if year-one math is your priority; take the Wells Fargo Active Cash Card if you want a cheaper card to keep long-term.
Who wins what
2 vs 2- First-year math Wells Fargo Active Cash Card
Wells Fargo Active Cash Card wins on bonus value minus annual fee.
- Annual fee Wells Fargo Active Cash Card
Wells Fargo Active Cash Card is $99 cheaper to keep.
- Earning ceiling Southwest Rapid Rewards Plus Credit Card
Southwest Rapid Rewards Plus Credit Card earns more on its best category (2× vs 0×).
- Foreign transactions Southwest Rapid Rewards Plus Credit Card
Southwest Rapid Rewards Plus Credit Card has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- $99
- Free
- Welcome offer (typical value)
- —
- $200
- First-year net
- $-99
- +$200
- Peak earning rate
- 2×
- —
- Top categories
- Airfare, Gas, Groceries
- —
- Lounge access
- No
- No
- Travel insurance
- Yes
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- None
- 3.00%
- Reward currency
- Southwest Rapid Rewards
- Cashback
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.