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 Target™ Mastercard® (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 Target Mastercard in every category, more on groceries, flights, hotels, other travel and other purchases. Enter your monthly spending above to see which comes out ahead for you.
Strongest in dining at 2%. 5% off every Target purchase instantly at checkout, plus 2% on dining and gas and 1% elsewhere.
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 | Target Mastercard | Wells Fargo Active Cash Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | None | $100 after $500 spend in 3 months |
| Foreign Transaction Fee | 3% | 3% |
| Base Reward Rate | 1% | 2% |
| Dining Rewards | 2% | 2% |
| Gas Rewards | 2% | 2% |
| Key Benefits | 5% off every Target purchase instantly at checkout, plus 2% on dining and gas and 1% elsewhere. | Unlimited 2% cash rewards on all purchases with no categories to track. |
Wells Fargo Active Cash Card wins on travel, groceries.
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.