The Wells Fargo Active Cash edges out the Bank of America Unlimited Cash Rewards for most cardholders — it wins on 1 of 4 comparison categories and offers 20,000 pts signup bonus earns more (up to 2x vs 1.5x). The Bank of America Unlimited Cash Rewards is the better choice if you prioritize a different rewards ecosystem.
Bank of America Unlimited Cash Rewards vs Wells Fargo Active Cash
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Comparison Method
CardCurator compares measurable differences first: annual fee, current welcome offer, top-end earning, and recurring credits. If the cards are close, the right answer depends on spending pattern and perk usage rather than headline prestige.
- All Purchases 1.5x
- All Purchases 2x
Common Questions: Bank of America Unlimited Cash Rewards vs Wells Fargo Active Cash
Is the Bank of America Unlimited Cash Rewards or Wells Fargo Active Cash better for dining?
Neither card offers a specific dining bonus — both earn their base rate on restaurant purchases.
Which has the higher signup bonus in 2026?
Bank of America Unlimited Cash Rewards currently offers $2 signup bonus (spend $1,000 in 3 months). Wells Fargo Active Cash offers 20,000 pts signup bonus (spend $500 in 3 months). Both bonuses are roughly equal in value.
Which card is better for international travel?
Bank of America Unlimited Cash 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 Unlimited Cash 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 Unlimited Cash Rewards is from Bank of America and Wells Fargo Active Cash is from Wells Fargo, so they're governed by separate bank policies.