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Card comparison · Wells Fargo vs Capital One

Wells Fargo Active Cash vs Capital One Quicksilver

The Wells Fargo Active Cash ($0 annual fee) ranks #82 and the Capital One Quicksilver ($0) ranks #140 of the 294 credit cards we score. Here they are side by side, from our card database.

By YourBest Editorial Team · Card data as of October 21, 2026 · How we score cards

Side by side

Wells Fargo Active CashCapital One Quicksilver
IssuerWells FargoCapital One
Annual fee$0$0
Welcome offerEarn $100 cash rewards bonus when you spend $500 in purchases in the first 3 months.Earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
Rewards
  • 2% back on all purchases
  • Unlimited 1.5% back on all purchases
Intro APRpurchases 12 months · balance transfers 12 monthspurchases 15 months · balance transfers 15 months
Ongoing APR18.74%, 24.74% or 28.74%18.74%–28.74%
Balance transfer feeIntroductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5.Introductory fee of 3% of the amount of each transferred balance that posts to your account during the first 15 months that your account is open. After that, 4% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you at any other time.
Foreign transaction fee——
Our overall score57 (#82 of 294)51 (#140 of 294)
Cash back ranking#15 of 70#47 of 70
0% intro APR ranking#36 of 46#23 of 46
Apply nowApply now

Offers, fees and APRs are shown as stored in our database and can change at any time; terms apply. Always confirm current terms on the issuer’s site before applying. Not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure.

Which one fits you

  • Higher overall score: Wells Fargo Active Cash (57 vs 51). Our score weighs rewards value, fees, the welcome offer and APR; see how we score cards.
  • Same annual fee: $0 on both.
  • Cash back: Wells Fargo Active Cash ranks higher in our cash back ranking (#15 vs #47 of 70).
  • 0% intro APR: Capital One Quicksilver ranks higher in our 0% intro APR ranking (#23 vs #36 of 46).
  • 0% intro APR on purchases: Capital One Quicksilver (15 months vs 12).
  • Balance transfers: Capital One Quicksilver has the longer intro period (15 months vs 12).

How we compared them

Every figure comes from our card database (checked against each issuer’s site) as of October 21, 2026 and is shown as stored, without our own estimates. Ranks use our overall score and, for categories, the score each category ranking is built on. Neither card can pay to rank higher, and partner links never change a score or an order. Terms apply; confirm current terms with the issuer before applying.

Frequently asked questions

Is the Wells Fargo Active Cash better than the Capital One Quicksilver?

By our overall score the Wells Fargo Active Cash ranks higher (57 vs 51), but the better card is the one that fits your spending: compare the rewards rows above with where you spend most, and whether you'd use enough of the higher-fee card's benefits to cover its fee.

Which has the lower annual fee, Wells Fargo Active Cash or Capital One Quicksilver?

Both list $0.

What are the welcome offers on the Wells Fargo Active Cash and Capital One Quicksilver?

Wells Fargo Active Cash: Earn $100 cash rewards bonus when you spend $500 in purchases in the first 3 months. Capital One Quicksilver: Earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening. Offers change often; terms apply.

Which is better for everyday categories like dining, groceries or travel?

Cash back: Wells Fargo Active Cash ranks higher in our cash back ranking (#15 vs #47 of 70). 0% intro APR: Capital One Quicksilver ranks higher in our 0% intro APR ranking (#23 vs #36 of 46).

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