Wells Fargo Active Cash® Card VS Bank of America® Customized Cash Rewards credit card for Students

Wells Fargo Cash Rewards Card

Unlock the doors to extensive rewards and features with the Wells Fargo Cash Rewards Card. Here’s a comprehensive breakdown of what the card offers:

1. Sign-Up Bonus

Cash Rewards:

Earn an impressive $200 cash rewards bonus after making purchases totaling $500 within the first 3 months of acquiring the card.

2. Reward Rate

Unlimited Earnings:

Enjoy an unlimited 2% cash rewards on all your purchases, with no restrictions.

3. Introductory APR Offer

0% Intro APR:

Benefit from a 0% introductory APR for a span of 15 months from the account’s initiation on purchases and eligible balance transfers. Post this period, a variable APR of 20.24%, 25.24%, or 29.99% will be applicable.

Balance Transfer Benefits:

Any balance transfers made within 120 days of opening the account can avail of the introductory rate and a fee of 3%. After this window, a balance transfer fee of up to 5% is levied, with a minimum charge of $5.

4. Zero Annual Fee

Save more with the card’s $0 annual fee, ensuring more value for your money.

5. Effortless Rewards Tracking

No cumbersome categories to keep tabs on or memorize. Plus, your cash rewards will never expire as long as your account is in active status.

6. Visa Signature Concierge Benefits

Step into a world of luxury with a handpicked assortment of perks at some of the planet’s most distinguished and captivating hotel properties courtesy of Visa Signature Concierge.

7. Cell Phone Protection

Safeguard your mobile phone with up to $600 in protection against unforeseen damage or theft when you settle your monthly cell phone bills with your eligible Wells Fargo card. This benefit is subject to a modest deductible of $25.

Bank of America® Customized Cash Rewards credit card for Students

Embark on a path that recognizes your student status while empowering your financial stability and rewarding every purchase.

The Bank of America® Customized Cash Rewards credit card for students is intricately designed to seamlessly blend into your academic life, fostering robust credit history building, and amplifying your spending with a spectrum of cash back rewards, all without burdening you with an annual fee.

1. 💰 $200 Online Cash Rewards Bonus

Get a head start on your cashback journey with a generous $200 online cash rewards bonus after making at least $1,000 in purchases within the first 90 days of account opening, seamlessly blending into your initial expenditures.

2. 🎯 Tailored Earnings with Expanded Cash Back Categories

Harvest 3% cash back in the category of your choice, now embellished with even more categories to mirror your spending habits. Enjoy automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), and relish unlimited 1% cash back on all other purchases. Immerse yourself in even broader categories, with 3% cash back now available on gas, including Electric Vehicle Charging (EVC) Stations, and online shopping, which now embraces cable, streaming, internet, and phone services.

3. 🚫 Zero Annual Fee, Zero Stress

Savor the multitude of benefits without the yearly financial burden – experience no annual fee and ensure your rewards remain yours with no expiration on them.

4. 💳 15 Billing Cycles of 0% Introductory APR

Navigate your early card usage with ease with a 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made within the first 60 days. After the introductory offer, a variable APR of 18.24% – 28.24% will apply. Note that a 3% fee is applicable to all balance transfers.

5. 🛠 A Tool for Building Your Credit History

With responsible usage, this card can be your ally in sculpting a sturdy credit history, invaluable when venturing into future financial commitments such as car loans, apartment rentals, or employment opportunities. Stay informed with free access to your FICO® Score within Online Banking or your Mobile Banking app.

6. 🌐 Contactless and Secure Transactions

Experience the fusion of robust security and expedited transactions with Contactless Cards. Engage in the convenience of a tap while maintaining the staunch security synonymous with chip cards.

7. 📱 Exclusive Online Offer

Note that this offer is an online exclusive, potentially unavailable if you leave the page or visit a Bank of America financial center. Secure this enticing offer and align your academic journey with a spectrum of financial rewards and stability by applying now.

The Bank of America® Customized Cash Rewards credit card for students is not just a credit card; it’s a financial companion, attuned to your student lifestyle and geared to facilitate your spending, saving, and credit-building throughout your academic journey.

Wells Fargo Active Cash® Card Comparison

Card Name	Wells Fargo Active Cash® Card	Wells Fargo Reflect® Card
Card Rating	5.0/5	5.0/5
Card Annual Fee	$0	$0
Card Intro Offer	$200	No value
Card Rewards Rate	2% Cashback	No value
Card Image
Card Recommended Credit Score	690-850(Good – Excellent)	700 – 749(Good – Excellent)
Card Summary	Best for: Cash back — high flat rate + incentives	Best for: Balance Transfer For Long Payment Window