Choosing between the Chase Freedom Unlimited (no annual fee) and the Wells Fargo Active Cash Card (no annual fee) comes down to where you spend most. Both cards can deliver real value — let’s break it down, then run your numbers to find the winner.
Strongest in travel at 5% via portal. 3% on dining and drugstores, 5% on Chase Travel. Earns a solid 1.5% on everything else.
Perfect if: You're comfortable booking through the issuer's portal for the best rate.
Apply NowUnlimited 2% cash rewards on all purchases with no categories to track. Earns a solid 2.0% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Chase Freedom Unlimited | Wells Fargo Active Cash Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $200 after $500 spend in 3 months | $200 after $500 spend in 3 months |
| Foreign Transaction Fee | 3% | 3% |
| Base Reward Rate | 1.5% | <strong>2.0%</strong> |
| Travel Rewards | <strong>5%</strong> | 2% |
| Dining Rewards | <strong>3%</strong> | 2% |
| Key Benefits | 3% on dining and drugstores, 5% on Chase Travel. | Unlimited 2% cash rewards on all purchases with no categories to track. |
Chase Freedom Unlimited pulls ahead for travel, dining spending.
Wells Fargo Active Cash Card wins on groceries, gas.
Not sure which fits your life? Enter your spending below and we’ll do the math.
Enter your typical monthly spending and we’ll show you exactly which card earns more — including fees and bonuses.