Wells Fargo Active Cash® Card VS IHG One Rewards Premier Credit 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.

Sign-Up Bonus

1. Anniversary & Stay Rewards:

Celebrate each card anniversary with a Free Night at IHG Hotels & Resorts.

Amplify your rewards with an additional free night when you redeem points for a consecutive four-night stay at any IHG® hotel.

2. Earning Potential:

Experience lavish rewards with up to 26 points per $1 spent during your stays at IHG Hotels & Resorts.

Travel and refuel with 5 points per $1 on purchases related to travel, at gas stations, and when dining out at restaurants.

For all your other diverse purchases, earn 3 points per $1 spent.

Exclusive Status:

Enjoy the privileges of the Automatic Platinum Elite status for as long as you’re a Premier card member.

3. Travel Convenience:

Opt for Global Entry, TSA PreCheck®, or NEXUS and receive a statement credit of up to $100 every 4 years. This reimbursement covers the application fee charged to your card, ensuring smoother travels.

4. Redemption Options:

Your accumulated IHG One Rewards Bonus points can be redeemed at a wide range of Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels, and Holiday Inn®.

5. Trust & Security:

With the assurance of the Member FDIC, you can be confident about the safety and reliability of your financial transactions.

Elevate your travel and stay experiences with the unmatched benefits of the IHG One Rewards Premier Credit Card.

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