Chase Freedom Flex® vs Wells Fargo Active Cash® Card

Chase Freedom Flex®Chase Freedom Flex®

Chase

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Wells Fargo Active Cash® CardWells Fargo Active Cash® Card

Wells Fargo

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Annual Fee
No Annual Fee
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
Chase Ultimate Rewards
Cash Back
Point Value
2.00¢/pt
1.00¢/pt
Base Earn Rate
1x
2x
Welcome Bonus
20,000 Chase Ultimate Rewards after $500 in 90 days
$200 after $500 in 90 days

Effective return by category

CategoryChase Freedom Flex®Wells Fargo Active Cash® Card
EV Charging10.00%
5x · Rotating (Quarterly) · $1,500 cap
2.00%
2x
Gas Stations10.00%
5x · Rotating (Quarterly) · $1,500 cap
2.00%
2x
Transit & Rideshare10.00%
5x · Rotating (Quarterly) · $1,500 cap
2.00%
2x
Entertainment10.00%
5x · Rotating (Quarterly) · $1,500 cap
2.00%
2x
Everything else2.00%
1x
2.00%
2x

Returns use our default point valuations — multiplier × point value. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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