The Credit Ledger Comparison
Wells Fargo Active Cash Card vs Capital One Quicksilver Cash Rewards
Both are strong cards, but they suit different spenders. Here is how they stack up on fees, rewards, and real value, with our independent take on which wins for you.
| Feature | Wells Fargo Active Cash Card | Capital One Quicksilver Cash Rewards |
|---|---|---|
| Our rating | 4.1 / 5 | 3.9 / 5 |
| Annual fee | No annual fee | No annual fee |
| Welcome bonus | $200 cash rewards after $500 spend in 3 months | $200 cash bonus after $500 spend in 3 months |
| Top rewards | 2% cash rewards All purchases | 1.5% cash back All purchases |
| Intro APR (purchases) | 0% intro APR for 12 months | 0% intro APR for 15 months |
| Intro APR (balance transfers) | 0% intro APR for 12 months on transfers made within 120 days | 0% intro APR for 15 months |
| Regular APR | 18.49% to 28.49% variable | 18.49% to 28.49% variable |
| Foreign transaction fee | 3% | None |
| Best for | Best flat-rate 2% cash back card with no annual fee | Best simple flat-rate cash back card with an intro APR offer |
Choose the Wells Fargo Active Cash Card if
Best flat-rate 2% cash back card with no annual fee matches how you spend.
- Unlimited flat 2% on every purchase with no categories to track
- No annual fee
- 0% intro APR on purchases and qualifying balance transfers
Choose the Capital One Quicksilver Cash Rewards if
Best simple flat-rate cash back card with an intro APR offer matches how you spend.
- Flat 1.5% on every purchase with no categories
- No annual fee and no foreign transaction fee
- 0% intro APR on purchases and balance transfers for 15 months
Frequently asked questions
Which has the lower annual fee, the Wells Fargo Active Cash Card or the Capital One Quicksilver Cash Rewards?
Both cards carry the same annual fee of No annual fee.
Do either of these cards charge a foreign transaction fee?
The Capital One Quicksilver Cash Rewards has no foreign transaction fee, while the Wells Fargo Active Cash Card charges 3%.
Does either card offer a 0% intro APR?
Yes, both offer an intro APR. The Wells Fargo Active Cash Card: 0% intro APR for 12 months. The Capital One Quicksilver Cash Rewards: 0% intro APR for 15 months.
Rates and offers verified 2026-07. Terms change often, so confirm current details on each issuer's site before applying.