Updated
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 Wells Fargo Active Cash® Card
Details
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 & Cons
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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
Highlights
Chevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.- Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
- Earn unlimited 2% cash rewards on purchases
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 18.74%, 23.74%, or 28.74% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
- $0 annual fee
- No categories to track or remember and cash rewards don't expire as long as your account remains open
- Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
- Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).
- Select "Apply Now" to learn more about the product features, terms and conditions
Additional Reading
Chevron 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
Discover it® Cash Back
Citi® Double Cash Card
Chase Freedom Flex℠
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 Card
The 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 card
Rewards 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:
- Redeem to cover purchases charged to your card in amounts starting at $1 in rewards
- Redeem for statement credits to a Wells Fargo mortgage, loan, or credit product account
- Redeem at a Wells Fargo ATM in increments of $20, although you'll need a Wells Fargo debit card to do so
- Cash in your rewards for gift cards
- Use your rewards to book travel, including airline tickets
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 features
The Wells Fargo Active Cash® Card comes with decent benefits for a no-annual-fee card.
Introductory 0% APR on purchases and balance transfers
New 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 protection
Pay 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 Service
Visa 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 replacement
If your credit card is lost or stolen, this protection can replace your card in as little as 24 hours.
Roadside dispatch
This 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 services
This 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 Collection
Cardholders 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:
- Room upgrade upon arrival, when available
- Free in-room Wi-Fi
- Late check-out upon request, when available
- Complimentary breakfast for two
- A $25 food or beverage credit
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® Card
Details
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 & Cons
Chevron 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
Highlights
Chevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.- Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
- Earn unlimited 2% cash rewards on purchases
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 18.74%, 23.74%, or 28.74% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
- $0 annual fee
- No categories to track or remember and cash rewards don't expire as long as your account remains open
- Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
- Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).
- Select "Apply Now" to learn more about the product features, terms and conditions
Additional Reading
Chevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Fees and costs
The 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 cards
Wells Fargo Active Cash Card vs other cash-back credit cards
Wells 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."
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