Head to head 
Wells Fargo Active Cash Card vs. Wells Fargo Reflect Card
On the criteria below, Wells Fargo Active Cash Card wins 1 of 3. The verdict depends on which criteria matter to you.
Wells Fargo Active Cash Card
Wells Fargo
Wells Fargo Reflect Card
Wells Fargo
At a glance
Wells Fargo Active Cash Card wins 1 of 3 criteria here, making it the stronger all-rounder.
Wells Fargo Active Cash Card leads on first-year math, while Wells Fargo Reflect Card only ties the rest.
Pick the Wells Fargo Active Cash Card if year-one math is your priority.
Who wins what
1 vs 0 (2 tie)- First-year math Wells Fargo Active Cash Card
Wells Fargo Active Cash Card wins on bonus value minus annual fee.
- Annual fee Tie
Same annual fee.
- Earning ceiling Tie
Same peak earning rate.
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- $200
- —
- First-year net
- +$200
- +$0
- Peak earning rate
- —
- —
- Top categories
- —
- —
- Lounge access
- No
- No
- Travel insurance
- Yes
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- 3.00%
- 3.00%
- Reward currency
- Cashback
- —
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.