Capital One Quicksilver vs Wells Fargo Active Cash
Head-to-head comparison of every feature, fee, and perk
At a Glance
Annual Fee
No annual fee
vs
No annual fee
Base Rewards
1.5%
vs
2%
Sign-Up Bonus
$200
vs
$200
Editor Score
7/10
vs
8/10
Detailed Comparison
| Category wins | 3/6 | 3/6 |
| Fees & APR | ||
| Annual Fee | No annual fee★ Lowest | No annual fee |
| Purchase APR | 19.99% – 29.99% | 20.49% – 29.49% |
| Intro APR (Purchases) | 0% · 15 mo | 0% · 15 mo |
| Intro APR (Balance Transfer) | 0% · 15 mo | 0% · 15 mo |
| Foreign Txn Fee | None★ Lowest | 3%✗ Highest |
| Balance Transfer Fee | 3% | 3% |
| Rewards | ||
| Rewards Type | Cashback | Cashback |
| Base Rewards Rate | 1.5%✗ Lowest | 2%★ Highest |
| Bonus Categories | ||
| Sign-Up Bonus | $200 value★ Highest | $200 value |
| Eligibility | ||
| Credit Score | Good (670-749) | Good (670-749) |
| Network | Visa | Visa |
| At a Glance | ||
| Best For | Those who prefer simplicity over maximizing categories | Simple flat-rate cash back seekers |
| Ratings | ||
| User Rating | 4.4 / 5✗ Lowest | 4.5 / 5★ Highest |
| Editor Score | 7 / 10✗ Lowest | 8 / 10★ Highest |
| Apply Now | Apply | Apply |
| Full Review | View details → | View details → |
| Pros & Cons | ||
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Our Verdict
Two of the best flat-rate no-fee cash back cards, head to head. The Quicksilver earns 1.5% on everything with an easy $200 sign-up bonus and is famously easy to get approved for. The Active Cash earns 2% on everything — a higher flat rate — with a $200 bonus and a cell phone protection perk. If you want the highest return with no effort, the Active Cash's 2% wins. The Quicksilver's edge is easier approval and Capital One's app experience.
Winner: Wells Fargo Active Cash
Higher flat-rate 2% cash back on all purchases
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Common Questions
Which is better: Capital One Quicksilver or Wells Fargo Active Cash?
It depends on your spending habits. The Capital One Quicksilver has no annual fee and earns 1.5% base rewards. The Wells Fargo Active Cash has no annual fee and earns 2% base rewards. Compare their bonus categories above to see which aligns better with your spending.
What is the annual fee difference between Capital One Quicksilver and Wells Fargo Active Cash?
The Capital One Quicksilver has no annual fee while the Wells Fargo Active Cash has no annual fee. Both cards have the same annual fee, so the decision comes down to rewards structure and perks.
Can I have both the Capital One Quicksilver and Wells Fargo Active Cash?
Yes, since these cards are from different issuers (Capital One and Wells Fargo), you can hold both. Many people pair cards from different banks to maximize bonus category coverage across all their spending.