The Wells Fargo Active Cash® Card is an excellent option for those looking for a simple yet highly rewarding cash-back credit card.
With an unlimited 2% cash back on all purchases, no annual fee, and a welcome bonus, this card stands out in the crowded cash-back category.
Unlimited 2% cash back on all purchases.
Why Choose the Wells Fargo Active Cash® Card?
This card is ideal for individuals who prefer straightforward rewards without needing to track bonus categories or spending caps. Whether you’re buying groceries, paying bills, or shopping online, you get a flat 2% back on every purchase with no restrictions.
Key Benefits:
- Unlimited 2% cash back on all purchases.
- $200 welcome bonus after spending $500 in the first three months.
- 0% intro APR for 12 months on purchases and balance transfers.
- No annual fee, maximizing long-term value.
- Cell phone protection when you pay your bill with the card.
- Flexible redemption options for statement credits, direct deposits, and more.
How to Earn and Redeem Cash Back
Earning Rewards:
- Earn 2% cash back on every purchase, no matter where you shop.
- No rotating categories or activation required.
- Perfect for one-card users who don’t want to juggle multiple cards.
Redeeming Rewards:
- Redeem for statement credits, direct deposits, or ATM withdrawals at Wells Fargo ATMs.
- Use rewards for travel, shopping, or even request a mailed paper check.
- No expiration as long as your account remains open.
Introductory APR and Fees
The Wells Fargo Active Cash® Card offers a strong introductory APR period, making it useful for financing large purchases or consolidating debt.
- 0% intro APR for 12 months on purchases and qualifying balance transfers.
- After the intro period, a variable APR of 19.24%, 24.24%, or 29.24% applies.
- No annual fee, ensuring full reward benefits.
- Balance transfer fee: 3% for transfers within the first 120 days (then up to 5%).
- Foreign transaction fee: 3% for purchases outside the U.S.
Additional Perks and Protections
The Wells Fargo Active Cash® Card goes beyond just cash-back rewards, offering useful perks and protections:
- Cell Phone Protection: Up to $600 in protection against theft or damage when you pay your phone bill with the card.
- Visa Signature® Benefits: Access to premium travel perks, concierge services, and luxury hotel discounts.
- Zero Liability Protection: Stay protected against unauthorized transactions.
- Fraud Monitoring: Advanced security features help detect and prevent fraudulent activity.
Who Should Get the Wells Fargo Active Cash® Card?
This card is best suited for:
- Everyday spenders looking for an easy-to-use, high-earning cash-back card.
- Individuals who prefer flat-rate rewards over rotating bonus categories.
- Those looking for an intro APR offer to finance big purchases or transfer balances.
- Users who want added perks, such as cell phone protection and Visa Signature benefits.
If you value simplicity, high cash-back rewards, and zero annual fees, the Wells Fargo Active Cash® Card is one of the best options available.
APPLY NOWFrequently Asked Questions
1. What credit score is needed for the Wells Fargo Active Cash® Card?
A good to excellent credit score (690 or higher) is recommended for approval. However, factors like income and existing credit history also influence eligibility.
2. Does this card have an annual fee?
No, the Wells Fargo Active Cash® Card has no annual fee, making it an excellent choice for maximizing long-term value.
3. How does the sign-up bonus work?
New cardholders can earn a $200 cash rewards bonus after spending $500 within the first 3 months of account opening.
4. Can I use my cash rewards for travel purchases?
Yes, you can redeem rewards for statement credits, direct deposits, travel bookings, and more. There are no restrictions on how you use your cash back.
5. Is there a limit to how much cash back I can earn?
No, there is no limit to how much cash back you can earn. You will always receive 2% back on every purchase, regardless of the amount spent.
6. Does this card offer any travel protections?
Yes, the Visa Signature® benefits include travel accident insurance, lost luggage reimbursement, and other valuable protections when you book travel with the card.
7. How does the cell phone protection work?
If you pay your monthly cell phone bill with the Wells Fargo Active Cash® Card, you get up to $600 in protection against damage or theft. A $25 deductible applies per claim, and you can make up to two claims per year.
8. Can I use this card internationally?
Yes, the Wells Fargo Active Cash® Card can be used worldwide. However, a 3% foreign transaction fee applies to purchases made outside the U.S.
9. Does this card provide access to airport lounges?
No, this card does not include airport lounge access. However, it does offer other premium perks through Visa Signature® benefits.
10. How does the 0% introductory APR work?
The 0% intro APR applies for 12 months on both purchases and balance transfers. After that, the standard APR applies, based on your credit profile.
11. Can I combine my rewards with other Wells Fargo cards?
No, Wells Fargo does not currently allow points or cash back to be combined across multiple cards.
12. How do I apply for the Wells Fargo Active Cash® Card?
You can apply online through the Wells Fargo website or visit a branch in person. Click below to start your application:
APPLY NOWFinal Thoughts: A Top Choice for Cash Back Simplicity
The Wells Fargo Active Cash® Card is a standout choice for those seeking a simple, high-reward cash-back credit card. With unlimited 2% cash back on all purchases, no annual fee, and a generous sign-up bonus, this card is designed for hassle-free rewards.
Additionally, its 0% intro APR for 12 months, cell phone protection, and Visa Signature® benefits make it even more valuable for everyday users. If you’re looking for a straightforward, no-fuss credit card that delivers consistent rewards, the Wells Fargo Active Cash® Card is a fantastic option.
Start earning cash-back rewards effortlessly today!
