Dedicated comparison page

Chase Sapphire Reserve vs Wells Fargo Active Cash Card

Chase Sapphire Reserve vs Wells Fargo Active Cash Card on Luminxo. Compare annual fees, rewards, welcome offers, credit requirements, and who each card is best for.

Lowest annual feeWells Fargo Active Cash CardNo annual fee
Highest reward rateWells Fargo Active Cash Card2.0%
Lowest starting credit rangeWells Fargo Active Cash Card670+

Quick Take

Chase Sapphire Reserve

by Chase

Apply Now

Chase Sapphire Reserve is a travel card from Chase with a $550 annual fee, 60,000 points after $4,000 in 3 months, and good to excellent credit.

Best for: People focused on travel rewards who can justify a $550 annual fee and who typically have good to excellent credit.

  • 10% on Travel
  • 60,000 points after $4,000 in 3 months
  • No foreign transaction fee
Read full review →

Wells Fargo Active Cash Card

by Wells Fargo

Apply Now

Wells Fargo Active Cash Card is a cashback card from Wells Fargo with no annual fee, $200 bonus after $500 in 3 months, and fair to good credit.

Best for: People focused on cashback rewards who want to avoid an annual fee and who typically have fair to good credit.

  • $200 bonus after $500 in 3 months
  • Foreign transaction fee: 3%
Read full review →

Side-by-Side Facts

MetricChase Sapphire ReserveWells Fargo Active Cash Card
Annual Fee$550None
Reward Rate1.0%2.0%
Signup Bonus60,000 points after $4,000 in 3 months$200 bonus after $500 in 3 months
Foreign Transaction FeeNone3.0%
Recommended CreditGood to excellent creditFair to good credit
Rewards SummaryEarn elevated rewards with 10% on Travel and 3% on Dining, plus 1% on other purchases.Earn 2% on general spending.

Who Should Pick Which Card?

Chase Sapphire Reserve

Its strongest earning category is Travel at 10%, backed by 1% on general spending. It also avoids foreign transaction fees.

Best for: People focused on travel rewards who can justify a $550 annual fee and who typically have good to excellent credit.

Pros

  • 60,000 points after $4,000 in 3 months
  • Potentially worthwhile if you use the card enough to cover the $550 annual fee
  • Earns 10% on Travel
  • Earns 3% on Dining

Tradeoffs

  • Annual fee of $550 means you need ongoing value from the card
  • Typically requires good to excellent credit
  • Signup bonus requires $4000 in spending within 3 months
  • Base rewards on non-bonus spending are relatively modest

Wells Fargo Active Cash Card

It keeps the value proposition simple with 2% on everyday purchases.

Best for: People focused on cashback rewards who want to avoid an annual fee and who typically have fair to good credit.

Pros

  • $200 bonus after $500 in 3 months
  • No annual fee to offset rewards

Tradeoffs

  • Foreign transaction fee of 3% can hurt value abroad

Frequently Asked Questions

What is the main difference between Chase Sapphire Reserve and Wells Fargo Active Cash Card?

The biggest tradeoffs are annual fee, reward concentration, and the level of credit usually needed to qualify. This page compares those inputs directly so you can choose the card that fits your spending and tolerance for annual fees.

Which card is easier to qualify for?

Wells Fargo Active Cash Card has the lowest published starting credit range in this comparison at 670.

Which card has the lowest annual fee?

Wells Fargo Active Cash Card has the lowest annual fee in this comparison at no annual fee.