3 Card Combo: Wells Fargo Active Cash + Amex Blue Cash Everyday + Chase Sapphire Preferred

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I found this card combination in a Reddit post and thought it was worth sharing. It covers many key spending categories, has only one card with an annual fee, and includes a welcome offer with all three cards. I’m talking about the three-card combo of Wells Fargo Active Cash® Card, Blue Cash Everyday® Card from American Express, and Chase Sapphire Preferred® Card.

Details of this Credit Card Combo

This card combo could be ideal for individuals, couples, or families. It offers 3% cash back or higher in the following spending categories:

You’ll earn 2% cash back for all other eligible purchases thanks to the Wells Fargo Active Cash® Card.

These cards also come with welcome offers (see details below). Based on our estimated valuation of Chase points, these offers could be worth $1,690.

How Much Can You Earn?

This card combo can get you close to an overall 3% cash back rate. As an example, let’s assume the following monthly spending:

Using the calculator below, this 3-card combo would generate an overall cash-back rate of 2.96%. The spending levels would generate $834 a year in cash back. If invested at a 9% return, the rewards would grow to $13,449.24 after ten years.

In contrast, the same spending would generate just $564 a year using a 2% cash-back card. Over ten years, this would grow to $9,095.17.

Credit Card Details

Here are the details on each card:

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Our Rating: 4.9

★★★★★☆

Wells Fargo Active Cash® Card

Welcome Offer

Earn a $200 cash rewards bonus

Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

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Est. Value

$200

We estimate the value of points and miles based on extensive research into redemption options. Keep in mind that the actual value can vary significantly based on how you use the points or miles.

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Annual Fee

$0

APR

20.24%, 25.24% or 29.99% Variable

Credit Req’d

Good to Excellent 670 – 850

Rewards: Earn unlimited 2% cash rewards on purchases.

Why the card made the list

The Wells Fargo Active Cash® Card offers a great combination of benefits that make it one of the top cards for everyday spending. You get 2% cash back on every purchase, which admittedly, a lot of cards offer. But you also get 0% on purchases and balance transfers for the first 15 months from account opening, plus you get a small welcome bonus. This is also one of the few 2% cash back cards to offer cell phone protection.

Rewards

2% cash back

All eligible purchases

Earn unlimited 2% cash rewards on purchases

Pros & Cons

Pros

• Welcome offer
• No annual fee
• 2% cash back

Cons

• Foreign transaction fee
• Requires good credit

Credit Score of Approved and Denied Applications

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	04/20/2023	810	Not Provided	$2,000
Approved	09/02/2023	746	Experian	$6,000
Approved	09/02/2023	774	Equifax	$6,000
Approved	09/02/2023	786	TransUnion	$6,000
Approved	06/03/2023	820	Equifax	$30,000
Approved	02/18/2023	800	Not Provided	$20,000
Approved	06/23/2023	700	Experian	$30,000
Approved	04/14/2023	756	Experian	$13,000
Approved	10/23/2023	745	Equifax	$12,000
Approved	04/26/2023	743	Experian	$8,000
Approved	04/26/2023	751	TransUnion	$8,000
Approved	04/26/2023	765	Equifax	$8,000
Approved	10/04/2023	721	Experian	$16,000
Approved	09/24/2023	763	Experian	$15,000
Approved	09/24/2023	784	TransUnion	$15,000
Approved	09/24/2023	792	Equifax	$15,000
Denied	04/01/2023	744	TransUnion	---
Denied	04/01/2023	747	Experian	---
Denied	04/01/2023	767	Equifax	---

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Our Rating: 4.4

★★★★★☆

Blue Cash Everyday® Card from American Express

Welcome Offer (Terms Apply)

Earn a $200 statement credit

Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

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Est. Value

$200

We estimate the value of points and miles based on extensive research into redemption options. Keep in mind that the actual value can vary significantly based on how you use the points or miles.

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Annual Fee

$0

APR

19.24% – 29.99% Variable

Credit Req’d

Good, Excellent

Rewards: Earn 3% cash back at U.S. supermarkets, U.S. online retail purchases, and U.S. gas stations (up to $6,000 per year for each category, then 1%). 1% cash back on other purchases.

Why the card made the list

The Blue Cash Everyday® Card from American Express offers elevated cash back on many everyday purchases plus a welcome offer. There’s no annual fee.

Rewards

1% cash back

On all other eligible purchases

1% cash back on all other eligible purchases.

3% cash back

U.S. supermarkets

3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.

3% cash back

Select Categories

3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.

3% cash back

Gas

3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%.

Pros & Cons

Pros

• Welcome offer
• Up to 3% cash back
• $0 annual fee

Cons

• Foreign transaction fee
• Requires good credit

Credit Score of Approved and Denied Applications

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	02/01/2023	727	Experian	$2,000
Approved	09/24/2023	730	Experian	$2,000
Approved	09/24/2023	735	Equifax	$2,000
Approved	09/24/2023	790	TransUnion	$2,000
Approved	05/21/2023	665	Experian	$5,000
Approved	07/20/2023	770	Equifax	$6,000
Approved	07/20/2023	772	Experian	$6,000
Approved	07/20/2023	780	TransUnion	$6,000
Approved	06/15/2023	730	Not Provided	$10,000

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Our Rating: 4.9

★★★★★☆

Chase Sapphire Preferred® Card

Welcome Offer

Earn 60,000 bonus points

Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

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Est. Value

Up to $1,290

We estimate the value of points and miles based on extensive research into redemption options. Keep in mind that the actual value can vary significantly based on how you use the points or miles.

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Annual Fee

$95

APR

21.49%-28.49% Variable

Credit Req’d

Excellent, Good

Rewards: Earn 5x points on travel purchased through Chase. 3x points on dining, select streaming services, and online groceries (excluding Target, Walmart, and wholesale clubs). 2x points on other travel. 1x points on other purchases.

Why the card made the list

The Chase Sapphire Preferred® Card might be the best bang for your buck among travel credit cards. Your Chase Ultimate Rewards points get a 25% boost in value when redeemed for travel; the welcome bonus is worth slightly less than the Chase Sapphire Reserve®‘s, and the annual fee is about 20% of the Reserve. You even get a $50 hotel stay credit when you book through Chase, making the net cost even lower.

Rewards

1x points

On all other eligible purchases

1x points on all other purchases

2x points

Travel

2x points on all other travel purchases

3x points

U.S. supermarkets

Earn 3x points on online groceries (excluding Target, Walmart and wholesale clubs)

3x points

Streaming services

Earn 3x points on select streaming services

3x points

Dining

3x points on dining

5x points

Travel

5x points on travel purchased through Chase Travel(SM)

Pros & Cons

Pros

• Welcome offer
• No foreign transaction fee
• Earns Chase Ultimate Rewards points
• Up to 5x points

Cons

• Annual fee
• High APR
• Requires good credit

Credit Score of Approved and Denied Applications

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	08/03/2023	872	Not Provided	$19,500
Approved	04/19/2023	737	Equifax	$16,000
Approved	04/19/2023	747	Experian	$16,000
Approved	04/19/2023	747	TransUnion	$16,000
Approved	11/11/2023	800	Not Provided	$16,800
Approved	04/18/2023	790	Experian	$17,300
Approved	05/21/2023	703	Experian	$17,300
Approved	04/04/2023	735	Equifax	$17,300
Approved	04/04/2023	825	Experian	$17,300
Approved	07/06/2023	735	Experian	$5,000
Approved	07/06/2023	745	Equifax	$5,000
Approved	07/06/2023	755	TransUnion	$5,000
Approved	10/19/2023	720	Not Provided	$19,500
Approved	06/14/2023	759	Experian	$6,000
Approved	04/06/2023	897	Not Provided	$23,800
Approved	04/14/2023	765	Experian	$7,200
Approved	04/14/2023	777	Equifax	$7,200
Approved	04/14/2023	777	TransUnion	$7,200
Approved	10/23/2023	745	TransUnion	$5,000
Approved	10/03/2023	761	Equifax	$18,000
Approved	10/03/2023	767	Experian	$18,000
Approved	10/03/2023	774	TransUnion	$18,000

Calculator

Use this calculator to estimate the rewards value of this credit card combo. Note that the calculator does not include the value of any welcome offers.