Wells Fargo Active Cash® Card
vs. BankAmericard® Credit Card

The Wells Fargo Active Cash Card and the BankAmericard credit card are both good choices if you're looking for a balance transfer card that charges no annual fee, has competitive introductory APR offers and caters to those with good to excellent credit.

The Wells Fargo Active Cash Card is the superior choice for most consumers, offering a $200 cash rewards bonus after spending $1,000 in the first three months and unlimited 2% cash rewards on purchases. Alternatively, BankAmericard by Bank of America offers a longer 0% introductory APR, ideal for those who are laser-focused on paying down their debt.

You might prefer the Wells Fargo Active Cash Card if: You're looking for a card that rewards you generously on every purchase. With the Wells Fargo Active Cash Card, you earn an unlimited 2% cash reward on purchases, which can add up quickly if you use your card for a variety of expenses. Additionally, the card offers a $200 cash rewards bonus after you spend $1,000 in the first three months, providing a nice initial boost to your rewards balance. The 0% intro APR for 15 months on purchases and balance transfers can also be valuable if you're planning a large purchase or moving an existing balance to save on interest charges. With a recommended credit score range of 670 to 850, this card is accessible to those with good to excellent credit.

You might prefer the BankAmericard credit card if: You're primarily interested in a card that can help you manage existing debt or avoid interest on new purchases for a longer period. It offers a 0% APR on purchases and balance transfers for the first 18 billing cycles, then a variable APR between 16.24% and 26.24%. The lack of an annual fee means you won't have to worry about an extra cost for carrying the card. The BankAmericard credit card recommends a credit score of 670 to 850, ideal for consumers with good to excelling credit looking to consolidate and pay off debt.

The Wells Fargo Active Cash Card is a solid choice for those who value simplicity in their rewards program with a straightforward benefit for managing existing debt. This card is for individuals looking for consistent rewards across all purchases, featuring an unlimited 2% cash rewards on every purchase made. The card has a $0 annual fee and an attractive welcome bonus, making it a cost-effective option for many consumers. Additionally, the introductory offer includes 0% APR for 15 months on purchases and balance transfers, providing a longer window for large purchases or for transferring and paying down other credit card balances. However, take note of the variable APR that follows, which can be as high as 29.99%, and the balance transfer fee. Overall, the Wells Fargo Active Cash Card is a compelling option for those who prefer a no-fuss cash back card with a few valuable perks.

The BankAmericard credit card is a solid choice for individuals who are focused on paying down their debt. This card has a longer introductory APR period for balance transfers and new purchases. It is a practical option for cost-conscious consumers who have good to excellent credit scores because of the ability to transfer balances and the absence of an annual fee. Despite the lack of a rewards program, the card's features are designed to support financial management and debt consolidation, offering a respite from high interest rates on other credit accounts.

Our breakdown will help compare APRs, fees, required credit, rewards, introductory offers and other features, empowering you to identify which card aligns with your financial habits and goals — whether you're looking for a card with a generous welcome bonus or are prioritizing avoiding late fees.