Wells Fargo Active Cash® Card VS Hilton Honors American Express Surpass® Card

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.

Hilton Honors American Express Surpass® Card

Designed for the semi-frequent traveler, Hilton’s mid-level credit card masterfully combines noteworthy travel perks with an attractive rewards-earning structure, all for a reasonable $95 annual fee.

The card offers a harmonious blend of benefits such as Priority Pass visits and Hilton Honors Gold status, aiming to enhance the travel experiences of its cardholders while providing exceptional value in return for the annual fee.

Key Features:

1. Priority Pass Visits

10 Complimentary Visits:

Cardholders receive 10 Priority Pass visits per year upon enrollment, a value that can significantly enhance airport experiences by providing access to over 1,300 lounges across the globe.

Worth $299:

The 10 Priority Pass visits bring along an intrinsic value of $299, immediately offering substantial value against the card’s annual fee.

2. Hilton Honors Gold Status

Enhanced Stay:

The complimentary Hilton Honors Gold status provides elevated experiences during stays at Hilton properties, including potential room upgrades, late check-out, and bonus points on bookings.

Exclusive Benefits:

Additional perks may include complimentary breakfast at select properties and a second guest staying for free on reward stays at certain locations.

3. Reward Earning

Enhanced Earning on Hilton Stays:

The card likely provides an elevated earning rate on direct purchases from Hilton properties.

Varied Spending Categories:

Generous earning rates on other spending categories, such as U.S. restaurants, U.S. supermarkets, and U.S. gas stations, could also be present, ensuring cardholders accumulate points on various everyday and travel expenses.

4. Welcome Offer

A potentially attractive welcome offer may be available, awarding a sizable lump sum of Hilton Honors Bonus Points to new cardholders upon meeting a specified spending requirement within the initial months of card membership.

5. Redemption Flexibility

Wide Array of Options:

Points can be redeemed for free nights, room upgrades, and exclusive experiences at Hilton properties, as well as shopping, dining, and travel through the Hilton Honors rewards program.

6. Travel and Purchase Protections

Travel Protections:

The card may offer certain travel protections, such as car rental loss and damage insurance and baggage insurance.

Purchase Protections:

Features like purchase protection and extended warranty might safeguard your eligible purchases against damage, theft, and potential malfunctions.

7. Annual Fee

$95 Fee:

With a modest annual fee of $95, the card positions itself as a middle-tier option, bridging the gap between no-annual-fee cards and premium offerings.

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