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2022-11-09T21:48:17Z Insider's experts choose the best products and
services to help make smart decisions with your money (here’s how). In some cases, we receive a commission from our our partners, however, our opinions are our own. Terms apply to offers listed on this page. Wells Fargo Active Cash® Card Intro offer $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months from account opening Rewards Earn unlimited 2% cash rewards on purchases. Wells Fargo Active Cash® Card Intro offer $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months from account opening Rewards Earn unlimited 2% cash rewards on purchases. Rewards Earn unlimited 2% cash rewards on purchases. Intro offer $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months from account opening Recommended Credit Good to Excellent Regular Annual Percentage Rate (APR) 18.74%, 23.74%, or 28.74% variable Intro Annual Percentage Rate (APR) 0% intro APR on purchases and qualifying balance transfers for 15 months from account opening Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. Good welcome bonus for a $0 annual fee card Check mark iconA check mark. It indicates a confirmation of your intended interaction. Straightforward 2% cash rewards on purchases with no categories to track Check mark iconA check mark. It indicates a confirmation of your intended interaction. Strong benefits including cell phone protection, Visa Signature perks, and a 0% intro APR on purchases and qualifying balance transfers for 15 months from account opening (then 18.74%, 23.74%, or 28.74% variable APR) Dash iconA dash. It often indicates an interaction to shrink a section. If you've opened a Wells Fargo card in the past 15 months, you may not be eligible for the bonus or intro APR offer Dash iconA dash. It often indicates an interaction to shrink a section. Foreign transaction fees HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.The Wells Fargo Active Cash® Card is definitely worth considering if you want to earn a flat rate of cash rewards with no annual fee. It's got a solid welcome bonus and 0% intro APR offer, and comes with a handful of perks that can save you money. Review: Is the Wells Fargo Active Cash the best credit card for you?There's a lot to like about the Wells Fargo Active Cash® Card, and that's especially true if you're looking for a card that offers a high rate of rewards without rotating categories or earning caps. The Wells Fargo Active Cash® Card earns a flat 2% cash rewards for each dollar you spend, and without any hoops to jump through. This card also comes with no annual fee, and new cardholders get a 0% intro APR on purchases and qualifying balance transfers for 15 months from account opening, followed by a 18.74%, 23.74%, or 28.74% variable APR. The Wells Fargo Active Cash® Card starts you off with a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months from account opening, which makes it more rewarding than its closest cash-back competitor — the Citi® Double Cash Card. Most people know the Citi® Double Cash Card as the other major rewards card that offers 2% back on purchases, but there are some major differences. With the Citi® Double Cash Card, you effectively earn 2% back but your rewards are doled out in two segments — you get 1 point per dollar (1% back) when you make a purchase and another 1 point per dollar (1% back) when you pay it off. For a limited time, the Citi® Double Cash Card is offering a welcome bonus of $200 cash back after spending $1,500 on purchases in the first 6 months of account opening. Also note that its 0% introductory APR only applies to balance transfers and not to purchases (0% intro APR on balance transfers for 18 months, then 17.74% - 27.74% Variable). If you opt for the Wells Fargo Active Cash® Card instead, you'll get the chance to earn a welcome bonus and 2% cash rewards for each dollar you spend, and the card comes with benefits like cell phone protection and Visa Signature Concierge to boot. Insider's Featured Cash Back Credit Cards
Chevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options. Chevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options. Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases automatically. Unlimited Cashback Match – Discover will automatically match all the cash back you’ve earned at the end of your first year Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. $200 cash back after spending $1,500 on purchases in the first 6 months of account opening 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. 5% cash back on travel purchased through Chase Ultimate Rewards®. 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases. $200 after spending $500 on purchases in the first three months from account opening We're focused here on the rewards and perks that come with each card. These cards won't be worth it if you're paying interest or late fees. When using a credit card, it's important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay. How to earn cash rewards with the Wells Fargo Active Cash CardThe Wells Fargo Active Cash® Card offers 2% cash rewards on purchases with no rewards category limitations or quarterly activation. This means you can use it for your purchases and earn this flat rate of rewards for each dollar you spend. It doesn't get any more simple than that, which is one of the biggest upsides of this card. How to redeem rewards from the Wells Fargo Active Cash credit cardRewards earned with the Wells Fargo Active Cash® Card belong in the Wells Fargo Rewards program, which means you can redeem them in several ways. For example, you can:
This kind of flexibility is good news for consumers who want more than one way to redeem their cash rewards. However, you should note that a few of the redemption options available are only for Wells Fargo customers, including payments to Wells Fargo loan products and cash rewards at a Wells Fargo ATM. Wells Fargo Active Cash card benefits and featuresThe Wells Fargo Active Cash® Card comes with decent benefits for a no-annual-fee card. Introductory 0% APR on purchases and balance transfersNew Wells Fargo Active Cash® Card cardholders are eligible for a 0% intro APR on purchases and qualifying balance transfers for 15 months from account opening, followed by a 18.74%, 23.74%, or 28.74% variable APR. This isn't the longest intro APR Wells Fargo offers (that honor goes to the Wells Fargo Reflect® Card), but if you're looking to save on interest in the short term, it's a very good deal. Cell phone protectionPay your phone bill with your Wells Fargo Active Cash® Card and you'll become eligible for cell phone protection coverage. This benefit is worth up to $600 per claim against damage or theft, although a $25 deductible applies. There's a maximum of two claims per 12-month period. 24/7 Concierge ServiceVisa Signature concierge can help you make travel or dining plans or provide other types of personal assistance. This benefit is offered for free and 24 hours a day provided you're a Wells Fargo Active Cash® Card customer. Emergency card disbursement and card replacementIf your credit card is lost or stolen, this protection can replace your card in as little as 24 hours. Roadside dispatchThis benefit includes a phone number you can call for pay-per-use assistance when you're on the road. For example, you can call roadside dispatch for help with a flat tire, tire changes, or lockout service. Travel and emergency assistance servicesThis benefit is offered 24 hours a day, and it comes in the form of an assistance hotline. You can use this hotline to get help with medical or legal referrals, emergency transportation assistance, emergency translation services, and more. The service itself is complimentary, but you're responsible for any third-party costs. Access to the Visa Signature Luxury Hotel CollectionCardholders can book through the Visa Signature Hotel Collection and receive additional perks, including: When you make a reservation through Visa Signature Hotels, you're automatically entitled to the following:
Wells Fargo Active Cash® Card Intro offer $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months from account opening Rewards Earn unlimited 2% cash rewards on purchases. Wells Fargo Active Cash® Card Intro offer $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months from account opening Rewards Earn unlimited 2% cash rewards on purchases. Wells Fargo Active Cash® CardDetailsRewards Earn unlimited 2% cash rewards on purchases. Intro offer $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months from account opening Recommended Credit Good to Excellent Regular Annual Percentage Rate (APR) 18.74%, 23.74%, or 28.74% variable Intro Annual Percentage Rate (APR) 0% intro APR on purchases and qualifying balance transfers for 15 months from account opening Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. Good welcome bonus for a $0 annual fee card Check mark iconA check mark. It indicates a confirmation of your intended interaction. Straightforward 2% cash rewards on purchases with no categories to track Check mark iconA check mark. It indicates a confirmation of your intended interaction. Strong benefits including cell phone protection, Visa Signature perks, and a 0% intro APR on purchases and qualifying balance transfers for 15 months from account opening (then 18.74%, 23.74%, or 28.74% variable APR) Dash iconA dash. It often indicates an interaction to shrink a section. If you've opened a Wells Fargo card in the past 15 months, you may not be eligible for the bonus or intro APR offer Dash iconA dash. It often indicates an interaction to shrink a section. Foreign transaction fees HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Fees and costsThe Wells Fargo Active Cash® Card doesn't charge an annual fee, which is a major benefit considering the high rate of cash rewards you get. That said, there are some other additional charges that can apply. For example, there are fees for balance transfers and cash advances, and you could be charged a late fee or returned payment fee up to $40. This card also charges 3% in foreign transaction fees when you make purchases abroad. Comparison: Wells Fargo Active Cash vs other Wells Fargo credit cardsWells Fargo Active Cash Card vs other cash-back credit cardsWells Fargo Active Cash card frequently asked questions (FAQ)If you're looking for a straightforward no-annual-fee card with strong cash rewards on all purchases, the Wells Fargo Active Cash® Card is hard to beat. Few cards match its 2% cash rewards rate, and while it isn't jam-packed with benefits, it comes with a few handy perks that can save you money. However, if you prefer a card with a few more bells and whistles, or you're looking to earn a higher rewards rate in specific categories (such as groceries or gas), a different cash-back card could be in order. You can read our guide to the best cash-back credit cards for all the top options. The Wells Fargo Active Cash® Card is a Visa Signature card. This means it comes with extra perks, including access to the Visa Signature Hotel Collection and Visa Signature Concierge. No, the Wells Fargo Active Cash® Card isn't a metal card. It's made of plastic, like most other cards.
Holly Johnson Freelance Writer Holly Johnson is a credit card expert, award-winning writer, and mother of two who is obsessed with frugality, budgeting, and travel. In addition to serving as contributing editor for The Simple Dollar and writing for publications such as Bankrate, U.S. News and World Report Travel, and Travel Pulse, Johnson owns Club Thrifty and is the co-author of "Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love." Read more Read less Top Offers From Our PartnersEditorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Read our editorial standards. Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available. **Enrollment required. Related articlesLoadingSomething is loading. Thanks for signing up! Access your favorite topics in a personalized feed while you're on the go. More... What credit score is needed for Wells Fargo active cash card?The Wells Fargo Active Cash® Card is best for applicants with good credit, which typically means a credit score of 670 or higher. A credit score above 700 will give you even better chances of approval.
Is it hard to get approved for Wells Fargo active cash card?Yes, it is hard to get the Wells Fargo Active Cash® Card because it requires at least good credit for approval. Unless your credit score is 700 or higher and you have a lot of income, it will be difficult for you to get approved for the Wells Fargo Active Cash.
What is the Wells Fargo Active Cash card good for?The Wells Fargo Active Cash® Card offers an excellent earning rate, which allows cardholders to Earn unlimited 2% cash rewards on purchases. With a strong uncapped, flat-rate cash back on every purchase, you won't have to worry about the complexities of rotating spending categories or limits to your earning potential.
Is Wells Fargo active cash card the same as a credit card?In short: Yes, wholeheartedly. The Wells Fargo Active Cash Card has debuted as one of the best flat-rate cash rewards credit cards on the market. The Active Cash is a low-maintenance rewards card with top-rate rewards potential and redemption options that make it an easy fit in any wallet.
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