Credit Cards » Compare Credit Cards » Wells Fargo Active Cash vs. Chase Freedom Unlimited
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Wells Fargo Active Cash vs. Chase Freedom Unlimited

The Active Cash card offers flat-rate cashback, while the Unlimited card is the winner for travel. Here's a side-by-side comparison
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: June 3, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: June 3, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

The Wells Fargo Active Cash Card and Chase Freedom Unlimited are popular cash-back credit cards offering different rewards structures and perks.

Whether one prioritizes a flat rate of cash back or enjoys the flexibility of bonus categories, these credit cards present compelling options in the competitive landscape of cash back rewards.

General Comparison

Wells Fargo Active Cash boasts a straightforward approach with unlimited 2% cash back on all purchases, making it an excellent choice for those who prefer simplicity and consistency in their rewards.

On the other hand, Chase Freedom Unlimited offers a dynamic cash back system, providing 1.5% cash back on all purchases and higher rates  on travel booked through Chase Ultimate Rewards, dining and drugstores.

Wells Fargo active cash card

chase freedom unlimited card

Wells Fargo Active Cash Card
Chase Freedom Unlimited
Annual Fee
$0
$0
Rewards
2% cash rewards on purchases (unlimited)
5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases and 1.5% cash back on all purchases.
Welcome bonus
$200 cash rewards bonus when you spend $500 in purchases in the first 3 months
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
0% Intro APR
15 months on purchases and qualifying balance transfers, then 20.24% to 29.99% variable APR APR
15 months on purchases and balance transfers , then 20.24%–28.99% variable APR
Foreign Transaction Fee
3%
3%
Purchase APR
20.24% to 29.99% variable APR
20.24%–28.99% variable
Read Review
Read Review
Chase Freedom Unlimited card management on app
Chase Freedom Unlimited card management interface (Screenshot from Chase app)

Cashback Rewards Battle: A Side-by-Side Analysis

When comparing cashback rewards, there is a clear winner – the Freedom Unlimited card. 

However, if you tend to spend mainly on everyday purchases and not on travel (or if you have another travel card) – there is no significant difference between them.

Wells Fargo active cash card

chase freedom unlimited card

Spend Per Category
Wells Fargo Active Cash Card
Chase Freedom Unlimited
$15,000 – U.S Supermarkets
$300
$225
$5,000 – Restaurants
$100
$150
$5,000 – Airline
$100
$250
$5,000 – Hotels
$100
$250
$4,000 – Gas
$80
$60
Estimated Annual Value
$680
$935
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Which Extra Benefits You'll Get With Each Card?

Beyond the bonus points and welcome offers, both cards include a range of supplementary perks. In terms of additional benefits and protections, the Chase Freedom Unlimited card outshines the Wells Fargo Active Cash Card.

Wells Fargo Active Cash Card

Wells Fargo active cash card

  • Cellular Telephone Protection: Receive up to $600 in cell phone protection when paying your monthly cell phone bill with your Wells Fargo card, subject to a $25 deductible.
  • My Wells Fargo Deals: Access personalized deals and earn cashback as an account credit when using your Wells Fargo credit card for shopping, dining, or experiences.
  • Zero Liability Protection: Protection against unauthorized transactions when promptly reported.
  • Credit Close-Up℠: Provides tools and insights to understand, track, raise, or maintain your FICO® Score.
Chase Freedom Unlimited

chase freedom unlimited card

  • Instacart+ Benefit: The Unlimited card provides a complimentary 3-month Instacart+ membership, offering unlimited deliveries with $0 delivery fees and reduced service fees on eligible orders.

  • 5% Cash Back/5x Points on Lyft Rides: It offers enhanced rewards for Lyft rides through March 31, 2025, giving you 5% cash back or 5x points on these purchases.

Chase Freedom Unlimited Deals and offers
Chase Freedom Unlimited Deals and offers (Screenshot from Chase app)
  • Cellular Telephone Protection: The Unlimited card provides up to $600 in cell phone protection when you pay your monthly cell phone bill with the respective card, subject to a $25 deductible.
  • Trip Cancellation/Interruption Insurance: The card provide reimbursement for pre-paid, non-refundable passenger fares up to $1,500 per person and $6,000 per trip if your trip is canceled or interrupted due to covered situations.

  • My Chase Plan: It also offer the option to use My Chase Plan, allowing you to pay off eligible purchases of $100 or more in equal monthly payments with no interest, just a fixed monthly fee

My Chase Plan with Chase Unlimited card
My Chase Plan with Chase Unlimited card (Screenshot from Chase app)
  • Purchase Protection: The card offer purchase protection, covering your new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.

  • Extended Warranty Protection: The Freedom Unlimited card extends the time period of the U.S. manufacturer's warranty by an additional year on eligible warranties of three years or less.

  • Auto Rental Collision Damage Waiver: Get coverage for theft and collision damage when you decline the rental company's insurance and charge the entire rental cost to your card, applicable to most cars in the U.S. and abroad. 

example of Redeeming Chase freedom unlimited points for travel
Redeeming Chase freedom unlimited points for travel (Screenshot from Chase app)

When You Might Want the Chase Freedom Unlimited Card?

Here are some situations where you might prefer the Chase Freedom Unlimited Card over the Wells Fargo Active Cash Card:

  • You Spend Heavily On Travel And Dining. The Chase Freedom Unlimited Card offers higher cash back on travel booked through Chase Ultimate Rewards and dining, which are two common categories where people spend a lot of money. The Wells Fargo Active Cash Card, on the other hand, only offers a flat 2% cash back rate on all purchases.
  • You Want Better Travel Protections: The Chase Freedom Unlimited Card provides rental car insurance, extended warranty protection, purchase protection, and other protections that enhance the overall cardholder experience.
  • You Prefer The Chase Ultimate Rewards: The Ultimate Rewards program offer a variety of redemption offers and has much Broader options than Wells Fargo redemption site/
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

When You Might Want the Wells Fargo Active Cash Card?

You might prefer the Active Cash card over the Freedom Unlimited in the following situations:

  • Flat-Rate Rewards Simplicity: Choose the Wells Fargo Active Cash Card if you prefer a straightforward rewards structure. The 2% flat cash back on all purchases offers simplicity without the need to track or navigate bonus categories.

  • You Have Another Travel Card: The main strengths of the Chase Unlimited card is with the extra travel benefits it offers as well as higher rewards ratio on travel categories. If you mainly use the new card for everyday spending, the Active Cash card may be a better choice.

Compare The Alternatives

It's always a good idea to be aware of other options before determining the most suitable choice for your needs.

AMEX Blue Cash Preferred Card review

chase_sapphire_preffered

Capital One Quicksilver Cash Rewards Credit Card
Blue Cash Preferred® Card from American Express
Chase Sapphire Preferred® Card
Annual Fee
$0
$95 ($0 intro for the first year)
$95
Rewards
1.5% – 5% 5% percent cash back on hotels and rental cars booked through Capital One Travel and 1.5% cash back on all purchases everyday.
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
2X – 5X 5x total points on travel purchased through Chase Travel, 3x points on dining, online grocery purchases and select streaming services. 2x on other travel purchases. Plus, earn 1 point per dollar spent on all other purchases.
Welcome bonus
$200 $200 cash bonus once you spend $500 on purchases within 3 months from account opening
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
60,000 points 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
Foreign Transaction Fee
$0
2.70%
$0
Purchase APR
19.99% – 29.99% variable
19.24% – 29.99% Variable
21.24%–28.24% variable APR

Compare Chase Freedom Unlimited

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American Express Everyday® Card vs Chase Freedom Unlimited®: Which Card Wins?

While both cards offer great cash back rewards and considered among the best Chase cards, there are some major differences. Which is better?

Chase Freedom Flex vs Chase Freedom Unlimited: Which Card Is Best?

The flat rate cash back on Citi Double Cash Card is higher – but usually, it may not be the best option. Here's The Smart Investor analysis.

Citi Double Cash Card vs Chase Freedom Unlimited: Which Card Wins?

The Chase Sapphire Preferred offers costs more and offer more benefits than the Freedom Unlimited. Is it worth the annual fee?

Chase Freedom Unlimited Vs. Sapphire Preferred: Compare Side By Side

The Freedom Unlimited beckons with its cash-back rewards, but the Amex Gold exudes luxury, boasting robust rewards on dining and groceries.

Chase Freedom Unlimited vs. Amex Gold Card: Which Card Wins?

The Amex Blue Cash Everyday is the winner if you need gas and grocery purchases, while the Freedom Unlimited offers better travel rewards

Amex Blue Cash Everyday vs. Chase Freedom Unlimited: Which Card Wins?

When it comes to cashback potential, the Chase Freedom Unlimited wins, especially for those who frequently engage in travel-related expenses.

Chase Freedom Unlimited vs. Citi Custom Cash Card: Which Card Wins?

The Savor card is ideal for dining out and entertainment, while the Freedom Unlimited is best for travelers and those who need 0% intro APR.

Capital One Savor vs. Chase Freedom Unlimited: Side By Side Comparison

The BofA Customized Cash Rewards is more flexible, but the Chase Unlimited card will drive more rewards and benefits. Here's why.

Bank of America Customized Cash Rewards vs Chase Freedom Unlimited: Which Card Wins?

The Apple Card offers competitive cashback rewards on Apple purchases and services – but if you travel frequently, the Unlimited card wins.

Apple Card vs. Chase Freedom Unlimited: How They Compare?

The Costco Card is a great for Costco shoppers, gas and grocery purchases, while the Freedom Unlimited stands out for its travel benefits.

Costco Anywhere Visa Card vs Chase Freedom Unlimited: Comparison

Compare Wells Fargo Active Cash

Wells Fargo has recently launched a new set of credit cards, and these two are at the top of the list. Which of them offers more and is it worth it?

Wells Fargo Active Cash vs Reflect Card: Which One Wins?

When both cards offer the same flat rate cashback, we should see beyond it. Which card is better? Here's The Smart Investor full analysis.

Citi Double Cash vs Wells Fargo Active Cash: Which Card Wins?

The Wells Fargo Active Cash is best for cashback and everyday spending, while the Autograph is a clear winner when it comes to travel rewards.

Wells Fargo Active Cash vs. Autograph Card: How They Compare?

While the Quicksilver card offers unlimited flat-rate cashback rewards, the Active Cash card offers a higher cashback ratio. Let's compare.

Capital One Quicksilver vs. Wells Fargo Active Cash

While Discover it Cash Back offers higher cashback rewards for some categories, the Active Cash card is our winner. Here's why.

Discover it Cash Back vs Wells Fargo Active Cash: Side By Side Comparison

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Review Rewards Credit Cards

Picture of Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
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Best Cards Per Category
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

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Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.