Chase Sapphire Preferred (8.7/10) wins for most people. Wells Fargo Active Cash wins for a specific profile.
Entry-level premium travel card for $300+/month dining. Best first rewards card. 3x dining + $95 fee = correct math for most people.
Apply now →2% flat rate with a welcome bonus. Closest Citi Double Cash competitor. $200 bonus + cell phone protection.
Apply now →| Chase Sapphire Preferred | Wells Fargo Active Cash | |
|---|---|---|
| Claire's score | 8.7/10 | 7.9/10 |
| Price | — | — |
| Top strength | 3x points on dining | Flat 2% on everything, no categories |
| Biggest drawback | $95 annual fee | Slightly behind Citi Double Cash in long-term simplicity |
Chase Sapphire Preferred is Claire's recommendation for most people reading this comparison. Score: 8.7/10. Best first rewards card. 3x dining + $95 fee = correct math for most people.
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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