U.S. Bank Cash+® vs Wells Fargo Active Cash®
Side-by-side comparison
| U.S. Bank Cash+® | Wells Fargo Active Cash® | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $250 rewards bonus | $200 cash rewards bonus |
| Dining | 2x | 2x |
| Groceries | 2x | 2x |
| Gas | 5x | 2x |
| Travel | 5x | 2x |
| Streaming | 5x | 2x |
| Everything else | 1x | 2x |
| Est. yearly rewards* | $564 | $583 |
| Points type | Cash back only | Pools with Wells Fargo → transferable |
| Network | Visa | 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 U.S. Bank Cash+® earns about $564 a year in rewards and the Wells Fargo Active Cash® about $583, valuing every point at a flat 1 cent. The U.S. Bank Cash+® 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. The two are close on value, but the Wells Fargo Active Cash® edges ahead by about $19 a year, mostly because it earns more where you spend most, on everything else. The bigger difference is the ceiling: the Wells Fargo Active Cash® earns points you can move to travel partners for outsized value, while the U.S. Bank Cash+® pays plain cash back. Favor the Wells Fargo Active Cash® if you will use travel transfers, the U.S. Bank Cash+® if you want simplicity. On the sign-up bonus, the U.S. Bank Cash+® currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the U.S. Bank Cash+® if your spending leans toward gas, travel, streaming. Pick the Wells Fargo Active Cash® if your spending leans toward everything else.