Amex Gold Card (9.4/10) wins for most people. Wells Fargo Active Cash wins for a specific profile.
Heavy food spenders — $400+/month dining + groceries. Highest annual value card for food spend. Fee is offset by $340+ in credits.
Apply now →2% flat rate with a welcome bonus. Closest Citi Double Cash competitor. $200 bonus + cell phone protection.
Apply now →| Amex Gold Card | Wells Fargo Active Cash | |
|---|---|---|
| Claire's score | 9.4/10 | 7.9/10 |
| Price | — | — |
| Top strength | 4x at restaurants worldwide | Flat 2% on everything, no categories |
| Biggest drawback | $325 annual fee (requires using credits) | Slightly behind Citi Double Cash in long-term simplicity |
Amex Gold Card is Claire's recommendation for most people reading this comparison. Score: 9.4/10. Highest annual value card for food spend. Fee is offset by $340+ in credits.
Wells Fargo Active Cash (7.9/10) is the right choice for a specific situation: 2% flat rate with a welcome bonus. If that describes you, the full review has the complete math.
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