Which card has a lower annual fee, Fold or Wells Fargo Active Cash Card?

The Fold has no annual fee, compared to $0 for the Wells Fargo Active Cash Card.

Which card earns more cash back, Fold or Wells Fargo Active Cash Card?

The Fold earns 1.5% base cash back, while the Wells Fargo Active Cash Card earns 2.0%. The best choice depends on your spending habits. Use the calculator to see which card earns you more.

Is the Fold better than the Wells Fargo Active Cash Card?

It depends on your spending. If you spend more on categories where the Fold offers higher rewards, it may be better. Use our calculator to compare based on your actual monthly spending.

Fold vs Wells Fargo Active Cash® Card: Which Card Wins for Your Spending?

Which earns more for you?

Flights

Hotels

Other travel

Dining

Groceries

Gas

Special categories

Everything else

Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.

Choosing between the Fold (no annual fee) and the Wells Fargo Active Cash® Card (no annual fee) comes down to where you spend most. Neither card has an annual fee, and Wells Fargo Active Cash Card earns at least as much as Fold in every category, more on dining, groceries, gas, flights, hotels, other travel and other purchases. Enter your monthly spending above to see which comes out ahead for you.

Affiliate Disclosure: PointsCompare may earn a commission when you apply for a card through links on this site. This doesn't affect our rankings. Cards are ordered by rewards value for your spending. Full disclosure policy

Meet the Contenders

Fold

1.5% bitcoin back on all purchases (stackable up to 4% with bitcoin activity). Earns a solid 1.5% on everything else.

Annual fee: None Foreign fees: 0%

Perfect if: You want solid rewards without paying an annual fee.

Apply Now

Wells Fargo Active Cash Card

Unlimited 2% cash rewards on all purchases with no categories to track. Earns a solid 2.0% on everything else.

Annual fee: None Sign-up bonus: $100 after $500 spend in 3 months Foreign fees: 3%

Perfect if: You want solid rewards without paying an annual fee.

Apply Now

Head-to-Head Comparison

Feature	Fold	Wells Fargo Active Cash Card
Annual Fee	$0	$0
Sign-Up Bonus	None	$100 after $500 spend in 3 months
Foreign Transaction Fee	0%	3%
Base Reward Rate	1.5%	2%
Key Benefits	1.5% bitcoin back on all purchases (stackable up to 4% with bitcoin activity).	Unlimited 2% cash rewards on all purchases with no categories to track.

The Verdict

Wells Fargo Active Cash Card wins on travel, dining, groceries, gas.

Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.