Wells Fargo Active Cash® Card
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SoFi Credit Card
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8.7MyCreditCardLab Score
MyCreditCardLab Score 8.7We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score. |
8.5MyCreditCardLab Score
MyCreditCardLab Score 8.5We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score. |
| ANNUAL FEE | |
| $0 | $0 |
| INTRO APR | |
| 0% intro APR on Purchases for first 15 months and 0% intro APR on Balance Transfers for first 15 months on qualifying balance transfers | N/A |
| REGULAR APR | |
| 20.24%, 25.24%, or 29.99% Variable APR | 20.24 percent to 29.99 percent (variable) |
| PROS | |
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| CONS | |
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| WELCOME BONUS | |
| Earn a $200 cash rewards bonus after spending $500 in the first 3 months. | None |
| REWARDS | |
Wells Fargo Active Cash® Card Rewards program is renowned for its flexibility in credit currency. Explore various redemption options for your earnings, including:
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SoFi Credit Card Rewards program offers remarkable versatility in credit currency. Utilize your earnings across a diverse array of options, such as:
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| BENEFITS | |
| Cellphone protection - Get peace of mind with free cellphone protection. You get it when you pay your cellphone bill with the Active Cash card each month. It protects against damage and theft. It covers up to $600 per claim. The deductible is $25. Other cards have a $50 deductible. Visa perks - Unlock exclusive Visa perks with the Wells Fargo Active Cash® Card. Access Visa Concierge for help with travel, dining, and event tickets. Also, enjoy the Visa Signature Luxury Hotel Collection. It offers special benefits. These include room upgrades, free breakfast, and more at select hotels. Unlimited Cash Back - Earn unlimited 2% cash back on purchases with no categories or caps. 2% is a very good reward point. especially if you have daily or frequent online purchase so this card is best for you. earn reward points you can utilize for others you need. it's good saving for you. No Annual Fee - Experience the card's benefits without worrying about an annual fee. Introductory APR - You benefit from an introductory APR on purchases and balance transfers. It lasts for first 15 months. Also for balance transfer 3% for 120 days from account opening. | Free cellphone insurance - Receive up to $1,000 of coverage when you pay your cellphone bill with your SoFi card. ID theft protection - World Elite Mastercard benefits - It has Mastercard World Elite benefits. These include cellphone protection. And, they come with savings for Lyft, DoorDash and more. No foreign transaction fees - Save 2% to 3% on foreign transactions, it might be the best fit for consumers who make regular purchases outside the U.S. This card might be good for consumers. They want a business credit card with simple rewards and no annual fee. Sofi balance transfer - The basics of balance transfer credit cards are simple. First, you must open a new card with lower or no interest. Then, you’ll move your credit card balance from the high-interest card to the new one. Once the transfer goes through, you’ll start paying down the balance on your new card. |
| CASH ADVANCE FEE / APR | |
| 29.99% variable, plus a fee of either $10 or 5% of the amount of each transaction, whichever is greater | Either $10 or 5% of the amount of each transfer, whichever is greater |
| BALANCE TRANSFER FEE | |
| 21.49%–28.49% variable, plus a fee of either $5 or 5% of the amount of each transfer, whichever is greater | APR: 17.99% to 29.99% variable based on creditworthiness and the Prime Rate, Fee: Either $10 or 5% of the amount of each transfer, whichever is greater |
| RECOMMENDED CREDIT SCORE | |
| 690 - 850 (Fair - Exceptional) | 670 - 850 (Fair - Exceptional) |
| FOREIGN TRANSACTION FEE | |
| 3% | 0% |
| BEST FOR | |
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| More Details | More Details |
Wells Fargo Active Cash® vs. SoFi Credit
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