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 OnePay CashRewards Card (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 OnePay CashRewards Card 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.
3% back at Walmart in store and online, 5% with Walmart+, and 1.5% on everything else. Earns a solid 1.5% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
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 | OnePay CashRewards Card | Wells Fargo Active Cash Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $35 after $0 spend in 1 months | $100 after $500 spend in 3 months |
| Foreign Transaction Fee | 0% | 3% |
| Base Reward Rate | 1.5% | 2% |
| Rates with conditions not counted in the rows above |
5% at Walmart with Walmart+ Earns 5% at Walmart only with a paid Walmart+ membership. Without it the rate is 3%, which is what the ranking uses. |
None |
| Key Benefits | 3% back at Walmart in store and online, 5% with Walmart+, and 1.5% on everything else. | Unlimited 2% cash rewards on all purchases with no categories to track. |
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.