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2% is weak, banks need to show some appreciation to their customers. 5% everywhere should be the standard.

No contest, Chase any day of the week. Chase cash back can be redeemed into any linked bank account or banked for travel. WF can only be redeemed in a WF checking account, or statement credit, but only in $25 increments.

FYI the cell phone insurance is only if your cell phone is paid off so if you’re in a payment plan it Doesn’t qualify

I have the active cash with a 14k limit. They should offer their customers more than 2%. It’s still a good utility card though for misc purchases that your other cards don’t have a category for. Their rewards program is solid. I’d take it over the freedom unlimited. That 1.5% cash back is weaker. I’d say skip the CFU unless you plan on using chase rewards for travel, then pair it with the CSP or CSR.

I definitely prefer Chase over Wells Fargo as a company, but both cards are super solid as you said! Awesome video as always!

I love my 2 chase cards. The freedom Visa card and the New slate edge card. I was able to consolidate my other 2 high interest store cards on the slate with no more interest. Love your videos Adam 💕. Very credit educational!

get them both. problem solved.

Might have missed it but the Chase Freedom Flex (at least the one I have) also has cell phone protection equivalent to the Wells Fargo Active Cash Visa. Something to consider.

Definitely plan on getting that Active Cash in December. Just got the Citi Custom and still working on getting the minimum spend. Great content as always, thanks Adam!!!

Porque no los dos? Got the Active Cash and the Freedom Flex this year.

With the Wells Fargo card you can get a check. That’s what I do but I hate that you can only get the check in $25 increments.

Wish the BofA Unlimited Cash Rewards card was included in the comparison as well

Personally I’m going to get the freedom unlimited so I could get more value from traveling with the chase partners, but that’s only because I plan to fill the trifecta. If I only had 1 card I would get the WF card

I hate Wells Fargo because they doesn't show you your remaining statement balance.

People that care about cashback and ONLY WANT 1 CARD, should just get a flat 2% card. either Citi double cash or the Wells Fargo active cash. Otherwise you’re gonna end up being like one of these KZfaqrs and have to have seven credit cards in your pocket to try to finesse the system. too much work, I’d rather just have one card

Very informative! Liked the way you took into consideration the card heavy vs card light group of people’s perspectives.

That’s funny, these are the two cards I’m using the most at the moment haha

Not many cell phones out there, that can be replaced for about $600.00 any more. This coverage could really be better!

Freedom flex also has cell phone protection.

Honestly 2 cards is a great simple set up. Custom Cash for 5% on biggest category and any flat 2% card for everything else. Any category that you spend less than $3k on a year will not make a big difference at the end of the year if you try to get 5% on those categories. About $7.5 a month over just using a 2% flat card. Is it worth having 5-10 cards for every category just to make a few extra dollars? Probably not. If it’s a card you only use online and don’t carry in your wallet than sure it’s worth it. But it’s not really worth remembering which card to pull out of your wallet everywhere you go.

Like you said, it comes to strategy vs practicality. I think if you wanted to run a lean set up, 3 cards or less, then the Wells Fargo active cash wins. My set up (cfu, cff, discover-it, and Amex bce downgraded from bcp) just doesn’t warrant the active cash. That being said, I bank with Wells Fargo and have their visa signature card with a large credit limit. My hope is that with the new card lineup coming out this Winter/Spring they’ll have a new card that combines the best of both the propel and the visa signature. If so, then the goal will be to product change the visa signature to that.

Wells Fargo offers nothing with this card that you can't get elsewhere with an ethical bank. NEVER doing business with Wells.

Chase Flex 💪 is better than both over all IMO

It's either get the chase setup for max traveling rewards or get citi and chase for max cash back

chase has some chase offers that is another +

I like your shirt. Nice choice.

3:15 so all your cash back can't go into another bank checking account like Chase (or another). It can only be redeemed to pay off your credit card purchases?

I'm sure the WF card is great, but what marketing genius over at WF decided to cancel the propel line for active cash? Active Cash sounds like a medical disease. Propel was a much cooler name.

When you get approved for either one will it boost up your credit score and how high ?

I got the Wells fargo because I have to wait to much to clear the chase rule 🤣

Adam, Great video and comparison videos. Always love your videos. It's great to see your videos appreciate it.

If the Active Cash was around maybe 3 years ago when I got my Quicksilver credit card I might of preferred getting the Active Cash.

WF getting more interesting however their reputation still needs a huge trust boost. Propel ending was sad day. I will say I am looking forward to the next WF release(s) in the coming months. 🤔. Thanks for comparing cards that are more practical in the current economy. Definitely a huge topic for family budgets.

Not sure if you covered this or if I missed it. WF states if you've opened a card with them in the past 15 months you do not qualify for the 200$ and 0 intrest. You can get the card, just not the introductory offer. That's kinda crapy.

Great match up

Which credit card out of all of them has the best cell phone protection?

Can you compare airline credit cards

I know the Chase Freedom unlimited has 3% foreign Transaction fees does the Wells fargo? is traveling over seas the most important or it's part of travel but not the most important detail? so how would you compare these 2 cards to 2nd cash back cards ? Citi Double cash Capital one Savor as far as all purchases dining , shopping at Container store, Champs , Lids, Kay's , Home Goods' , TJ Max , Bed bath and Beyond Barnes and Nobles, Gas stations , shopping at Costco , Spas ?

I got the CSP 5 months ago, which card would you get next the CFU or CFF ?

No one can predict the future you think WF will eventually discontinue the active cash like they did to the propel ?

do i need to close my wells fargo platinum card after applying to active cash card?

Hey? Why does chase keep asking for my full social security number and mother’s maiden name each time I call customer service? Makes me super uncomfortable! Is this normal? I’m not used to giving my full social on the phone and I got the freedom unlimited.

I would not wanna get in a fight with you. Oml that thumbnail scared me to death 💀

great break down thanks

I have the original Chase Freedom card. Would you recommend doing a product change to the Flex or just apply for that card.

Wells Fargo 1/15 rule vs chase 5/24 rule not brought up.

Hi Adam, I have a question. Does not using a credit card for many months affect your credit score in any way ?

Heyyy

Do points from 2 credit cards of the same bank go into the same points pool?

I asked for a credit limit increase from my unlimited chase. They declined it because I had other cards! So I’m assuming that the 5/24 rule applies to credit limit increase as well?! Anyone know ?

If I have the platinum credit card and do the credit card switch to the active cash because it's 2% instead of 1%. Does that effect my credit? Do they do a soft or hard pull?

After that first year 5% grocery what does it become after.

1% is so small

I applied for that Wells Fargo but got denied

Both of these cards sounds stupid. What average Joe is spending 12,000 dollars a year on groceries not coming from Walmart? I`m single, I may spend 150 dollars a month on groceries. Tell me, on The Year of Our Lord 11/05/2021, what card to have. I have poor credit, trying to rebuild, I don`t care about APR I carry 7& utilization. Why apply for either of these cards? Or is it just for a select few? Just wondering cause I thought Wells Fargo wasn`t giving credit cards anymore