IHG One Rewards Traveler Credit Card vs Wells Fargo Active Cash®
Side-by-side comparison
| IHG One Rewards Traveler Credit Card | Wells Fargo Active Cash® | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | 125,000 points | $200 cash rewards bonus |
| Dining | 3x | 2x |
| Groceries | 1x | 2x |
| Gas | 3x | 2x |
| Travel | 3x | 2x |
| Streaming | 1x | 2x |
| Everything else | 1x | 2x |
| Est. yearly rewards* | $431 | $583 |
| Points type | Locked to IHG One Rewards | Pools with Wells Fargo → transferable |
| Network | Mastercard | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the IHG One Rewards Traveler Credit Card earns about $431 a year in rewards and the Wells Fargo Active Cash® about $583, valuing every point at a flat 1 cent. The IHG One Rewards Traveler Credit Card has no annual fee, so its rewards are all profit. The Wells Fargo Active Cash® has no annual fee, so its rewards are all profit. Counting rewards and any credits, the Wells Fargo Active Cash® delivers more total value, about $152 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and groceries. The bigger difference is the ceiling: the Wells Fargo Active Cash® earns points you can move to travel partners for outsized value, while the IHG One Rewards Traveler Credit Card stays locked to a single airline or hotel program. Favor the Wells Fargo Active Cash® if you will use travel transfers, the IHG One Rewards Traveler Credit Card if you want simplicity. On the sign-up bonus, the IHG One Rewards Traveler Credit Card currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the IHG One Rewards Traveler Credit Card if your spending leans toward dining, gas, travel. Pick the Wells Fargo Active Cash® if your spending leans toward groceries, streaming, everything else.