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CardCurator — Rewards Intelligence
Card Comparison

Bank of America Premium Rewards vs Wells Fargo Active Cash

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Bank of America Premium Rewards card art
Bank of America Travel Rewards
Bank of America Premium Rewards
Bank of America
More Info
Wells Fargo Active Cash card art
Wells Fargo Cash Rewards
Wells Fargo Active Cash
Wells Fargo
More Info
Annual Fee
$95/yr
No annual fee
Foreign Fees
None
3%
Signup Bonus
60,000 points
Spend $4,000 in 3 months
20,000 points
Spend $500 in 3 months
Top Earn Rates
  • Travel 2x
  • Dining 2x
  • All Other Purchases 1.5x
  • All Purchases 2x
Reward Type
miles
cashback
Key Credits
  • Airline Incidental Credit $100
  • TSA PreCheck / Global Entry $100
None
Transfer Partners
No transfer partners
Cash back only
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Common Questions: Bank of America Premium Rewards vs Wells Fargo Active Cash

Is the Bank of America Premium Rewards or Wells Fargo Active Cash better for dining?

Bank of America Premium Rewards earns 2x on dining; Wells Fargo Active Cash has no dining bonus.

Which has the higher signup bonus in 2026?

Bank of America Premium Rewards currently offers 60,000 pts signup bonus (spend $4,000 in 3 months). Wells Fargo Active Cash offers 20,000 pts signup bonus (spend $500 in 3 months). Bank of America Premium Rewards has the larger bonus.

Which card is better for international travel?

Bank of America Premium Rewards charges no foreign transaction fees — the better pick for international use. Wells Fargo Active Cash charges 3% on foreign purchases.

Can I hold both the Bank of America Premium Rewards and the Wells Fargo Active Cash?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Bank of America Premium Rewards is from Bank of America and Wells Fargo Active Cash is from Wells Fargo, so they're governed by separate bank policies.