Apple Card vs Active Cash
Updated September 17, 2026 · from RightCard's verified card and merchant data
Every category, side by side
Published everyday rates. For points cards the value in brackets uses our conservative travel estimate; as cash, points are worth 1¢. No welcome bonuses, no limited-time offers.
| Category | Apple Card | Active Cash | Wins |
|---|---|---|---|
| Restaurants | 1% | 2% | Active Cash |
| Supermarkets | 1% | 2% | Active Cash |
| Gas stations | 3% | 2% | Apple Card |
| Travel | 1% | 2% | Active Cash |
| Online shopping | 1% | 2% | Active Cash |
| Drugstores | 3% | 2% | Apple Card |
| Transit & rideshare | 1% | 2% | Active Cash |
| Streaming | 1% | 2% | Active Cash |
| Everything else | 1% | 2% | Active Cash |
Fee and credits
| Card | Annual fee | Statement credits | Credits, face value |
|---|---|---|---|
| Apple Card | no annual fee | none verified | — |
| Active Cash | no annual fee | none verified | — |
Credits count only if you would spend there anyway. Tick the ones you would use and get each card's fee verdict →
Carrying both
Together they cover 9 of 9 categories above the other card's rate. See the pair as one wallet, then add the rest of your cards.
Apple Card in full → · Wells Fargo Active Cash in full →
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FAQ
Apple Card or Active Cash: which earns more?
Wells Fargo Active Cash earns more in 7 of 9 categories (restaurants, supermarkets, travel, online shopping), Apple Card in 2, with 0 tied. Apple Card: no annual fee. Active Cash: no annual fee. Counting categories is not the same as counting your spend: the winner for you is the one that wins where your money goes.
Which has the lower annual fee, Apple Card or Active Cash?
Apple Card: no annual fee. Active Cash: no annual fee.
Should I get both?
Only if each wins a category you spend in. Together they lead in 9 of 9 categories; the rate-my-wallet tool shows the pair as one wallet.
More guides: All comparisons · Rate my wallet · Every verified card