Skip to main content
CardCurator — Rewards Intelligence
Card Comparison

Chase Freedom Unlimited vs Wells Fargo Active Cash

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

Chase Freedom Unlimited card art
Chase Ultimate Rewards
Chase Freedom Unlimited
Chase
More Info
Wells Fargo Active Cash card art
Wells Fargo Cash Rewards
Wells Fargo Active Cash
Wells Fargo
More Info
Annual Fee
No annual fee
No annual fee
Foreign Fees
None
3%
Signup Bonus
30,000 points
Spend $500 in 3 months
20,000 points
Spend $500 in 3 months
Top Earn Rates
  • Chase Travel 5x
  • Dining 3x
  • Drugstores 3x
  • All Purchases 2x
Reward Type
miles
cashback
Key Credits
None
None
Transfer Partners
  • Virgin Atlantic Flying Club
  • Aer Lingus AerClub
  • Air Canada Aeroplan
  • British Airways Executive Club
  • Flying Blue
  • +9 more
Cash back only
Open full comparison tool Compare more cards

Common Questions: Chase Freedom Unlimited vs Wells Fargo Active Cash

Is the Chase Freedom Unlimited or Wells Fargo Active Cash better for dining?

Chase Freedom Unlimited earns 3x on dining; Wells Fargo Active Cash has no dining bonus.

Which has the higher signup bonus in 2026?

Chase Freedom Unlimited currently offers 30,000 pts signup bonus (spend $500 in 3 months). Wells Fargo Active Cash offers 20,000 pts signup bonus (spend $500 in 3 months). Chase Freedom Unlimited has the larger bonus.

Which card is better for international travel?

Chase Freedom Unlimited 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 Chase Freedom Unlimited 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. Chase Freedom Unlimited is from Chase and Wells Fargo Active Cash is from Wells Fargo, so they're governed by separate bank policies.