Card comparisonSide by side
Platinum Card® vs Wells Fargo Active Cash® Card
Compare fees, rewards, benefits, and card details in one table before choosing which review to open next.
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How to read missing comparison values
- A dash (—) means that value is not currently available for that card.
- Coverage labels like 2/4 cards show how many selected cards have that metric populated.
- Card Type, Card Tier, Rating, and Reward Program are editorial labels and may still be pending enrichment.
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| Feature | ||
|---|---|---|
| Basic Information | ||
Issuer | American Express | Wells Fargo |
Card Network | ||
Card Type Data: 2/2 cards | travel | cashback |
Card Tier Data: 2/2 cards | Luxury | Entry Level |
Credit Score | — | — |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $895 | $0 |
Foreign Transaction Fee | None | Yes (3%) |
Purchase APR | 19.49% – 28.49% | 18.49% – 28.49% |
Intro APR | — | 0% for 12 months |
| Rewards | ||
Welcome Bonus | Earn 175,000 points | Earn $200 |
Bonus Value | $1,750 | $200 |
Reward Rate Data: 2/2 cards | 5x pts on flights booked directly with airlines or through american express travel | 2% back on all eligible purchases |
Reward Program Data: 2/2 cards | Membership Rewards | Wells Fargo Rewards® |
| Earning Rates | ||
| All Purchases | — | 2% backUnlimited 2% cash rewards on all purchases with no categories to track or quarterly activations. |
| All eligible purchases | — | 2% back2% cash rewards are earned for every $1 spent in net purchases. Purchases that do not earn cash rewards include cash advances and cash equivalents, balance transfers, SUPERCHECKS, disputes, illegal actions and violations, certain gambling transactions, and fees or interest. |
| All other purchases | 1x pts | — |
| Flights booked directly with airlines or through American Express Travel | 5x ptsOn up to $500,000 on these purchases per calendar year. | — |
| Flights booked directly with airlines or through AmexTravel.com | 5x ptsOn up to $500,000 per calendar year, then 1x | — |
| Prepaid hotels booked on American Express Travel | 5x ptsPrepaid hotels must be booked on American Express Travel. | — |
| Prepaid hotels booked through AmexTravel.com | 5x pts | — |
| Benefits | ||
Key Benefits |
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