The Wells Fargo Active Cash® Card is a top choice for those looking for a simple and highly rewarding cash-back credit card.
With unlimited 2% cash rewards on all purchases, no annual fee, and a valuable welcome offer, this card is ideal for individuals who prefer straightforward rewards without category restrictions.
Limit card options
*Choose the credit limit you want on your credit card and see the available options:
CARDS: LIMIT OF UP TO $1,000 CARDS: LIMIT OF UP TO $3,000 CARDS: LIMIT ABOVE TO $8,000
$0
2%
$200
690-850 (Good – Excellent)
Why Choose the Wells Fargo Active Cash® Card?
This card is perfect for those who want a flat-rate cash back credit card without worrying about rotating categories or spending limits. Whether you’re dining out, shopping online, or paying bills, you earn 2% cash back on every purchase with no strings attached.
Key Benefits:
- Unlimited 2% cash back on all purchases.
- $200 cash rewards bonus after spending $500 in the first 3 months.
- 0% intro APR for 15 months on purchases and qualifying balance transfers.
- No annual fee, making it a cost-effective option.
- Cell phone protection when you pay your bill with the card.
How to Earn and Redeem Rewards
The Wells Fargo Active Cash® Card makes earning and redeeming rewards effortless.
Earning Cash Back:
- Earn 2% cash back on every purchase, with no limits.
- No need to track categories or activate quarterly bonuses.
- Ideal for everyday spending and large purchases.
Redeeming Rewards:
- Redeem cash rewards for statement credits, direct deposits, or gift cards.
- Use rewards to cover travel, dining, or any other purchases.
- Flexible redemption with no expiration as long as your account remains open.
$0
2%
$200
690-850 (Good – Excellent)
Introductory APR and Fees
The Wells Fargo Active Cash® Card offers competitive introductory APR and low fees, making it attractive for those looking to save on interest.
- 0% intro APR for 15 months on purchases and balance transfers.
- After the intro period, the regular APR applies (variable rate based on creditworthiness).
- No annual fee, allowing you to maximize cash-back earnings without added costs.
- Balance transfer fee: 3% for transfers made within 120 days (then up to 5%).
$0
2%
$200
690-850 (Good – Excellent)
Additional Perks and Protections
Beyond its generous rewards, the Wells Fargo Active Cash® Card includes valuable benefits that enhance your financial security.
- Cell Phone Protection: Get up to $600 in protection against damage or theft when you pay your phone bill with this card.
- Visa Signature® Benefits: Access to travel and dining perks, concierge services, and extended warranty protection.
- Zero Liability Protection: You won’t be held responsible for unauthorized transactions.
- Fraud Monitoring: Advanced security features help detect and prevent fraud.
Who Should Get the Wells Fargo Active Cash® Card?
This card is ideal for:
- Everyday spenders who want a simple, high-earning cash-back card.
- People who prefer flat-rate rewards without tracking spending categories.
- Those looking for an intro APR offer to finance large purchases or consolidate debt.
If you’re searching for a credit card that provides consistent cash back on all purchases, the Wells Fargo Active Cash® Card is one of the best options available.
CHECK HOW TO APPLY NOWFrequently Asked Questions
1. What credit score do I need to qualify for the Wells Fargo Active Cash® Card?
A good to excellent credit score (typically 670 or higher) is recommended for approval. However, Wells Fargo considers various factors, including income and existing credit history.
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 those who want to maximize rewards without extra costs.
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 opening the account.
4. Can I use my cash rewards for travel purchases?
Yes, you can redeem your rewards for travel, dining, statement credits, or direct deposits to a Wells Fargo account. The flexibility makes it a great option for all types of spending.
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 how much you spend.
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 booking travel with the card.
7. How does the cell phone protection work?
If you pay your monthly cell phone bill with this card, you get up to $600 in protection against damage or theft. A $25 deductible applies per claim.
8. Can I use this card internationally?
Yes, the Wells Fargo Active Cash® Card can be used internationally, but foreign transaction fees may apply. Check the terms and conditions for details.
9. Does this card provide access to airport lounges?
No, this card does not include airport lounge access, but it offers other travel-related perks through Visa Signature® benefits.
10. How does the 0% introductory APR work?
The 0% intro APR applies for 15 months on both purchases and qualifying balance transfers. After the intro period, the standard APR applies, based on your creditworthiness.
11. Can I combine my rewards with other Wells Fargo cards?
No, at this time, Wells Fargo does not allow points to be combined across multiple credit 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:
SEE HOW TO APPLY NOWFinal Thoughts: Is the Wells Fargo Active Cash® Card Right for You?
The Wells Fargo Active Cash® Card is an excellent option for those looking for a simple yet highly rewarding cash-back credit card. With unlimited 2% cash back on every purchase, no annual fee, and a valuable sign-up bonus, this card provides consistent value for everyday spending.
Additionally, its 0% intro APR for 15 months, along with cell phone protection and Visa Signature® benefits, makes it even more attractive for users who want a hassle-free credit card with reliable rewards and strong protections.
If you prefer a card with easy-to-earn rewards, no category restrictions, and no annual fee, the Wells Fargo Active Cash® Card is a fantastic choice. Start enjoying effortless cash-back rewards today!
