Wells Fargo Active Cash®: A Credit Card With Intro APR Savings
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Most of us swipe our cards without thinking much about what the interest rate will do to our balance later. But if you're carrying debt or planning a big purchase, interest can be brutal. That's why I pay close attention to cards with long 0% intro APR offers. And the Wells Fargo Active Cash® Card (rates and fees) is one of the best in that department right now.
This card doesn't just give you strong rewards, but it also lets you avoid interest charges for a full year. That's the kind of breathing room that can help you get ahead instead of playing catch-up.
A long 0% intro APR window
The Wells Fargo Active Cash® Card comes with:
- 0% intro APR 12 months from account opening on qualifying balance transfers and 12 months from account opening on purchases.
- After that, the ongoing APR applies (currently 18.99%, 23.99%, or 28.99% Variable APR).
- Intro balance transfer fee: 3% for 120 days from account opening, then up to 5%, min: $5.
If you open the card now, you're looking at being interest-free until late 2026. That's plenty of time to spread out a big purchase or chip away at an existing balance without new interest piling on.
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Intro APR 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers
Purchases: 0% intro APR on purchases for 12 months from account opening
Balance Transfers: 0% intro APR for 12 months from account opening on qualifying balance transfers
Regular APR
18.99%, 23.99%, or 28.99% Variable APR
Rewards Earn unlimited 2% cash rewards on purchases.
2% cash rewards
Annual Fee
$0
Welcome Offer Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
$200 cash rewards
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This card’s unlimited 2% cash rewards on purchases is the highest we’ve seen for a flat-rate rewards card with no annual fee. It also has an incredibly easy-to-earn $200 welcome bonus after spending $500 in purchases in the first 3 months. The intro APR is decent too -- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers (18.99%, 23.99%, or 28.99% Variable APR applies after). We simply haven’t come across this combination of top perks in one card before.
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- Unlimited 2% cash rewards
- Long 0% intro APR offer
- Generous cash rewards welcome bonus
- No annual fee
- Cellphone protections
- No bonus categories
- Foreign transaction fees
- Balance transfer fee
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- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.99%, 23.99%, or 28.99% variable APR thereafter; 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.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Unlimited cash rewards on top
Of course, this card doesn't stop there. You'll also earn:
- Unlimited 2% cash rewards on all purchases. No categories, no caps, just a flat 2% cash rewards everywhere you spend.
- A $200 cash rewards when you spend $500 in the first 3 months.
Put it together, and you've got a card that's both a debt-management tool and a steady earner.
Added perks worth noting
Wells Fargo sweetens the deal with a few extras you don't always see on no-annual-fee cards:
- Cellphone protection when you pay your bill with the card.
- Access to Visa Signature® benefits, including travel and shopping protections.
- The ability to redeem rewards flexibly -- cash, statement credits, gift cards, or travel.
Why this card stands out
Plenty of cards offer 0% intro APRs, but the Wells Fargo Active Cash® Card gives you that rare mix of long interest-free financing and unlimited flat-rate rewards. You don't have to juggle rotating categories or worry about caps -- you just earn and save.
If you're looking to stop interest charges in their tracks while still putting cash back in your pocket, this card deserves a spot on your list.
Our Research Expert
Jake FitzGerald is a full-time Editorial Strategist and Personal Finance Writer at Motley Fool Money, leading content production and distribution while also writing about credit cards, bank accounts, and other financial products. He has more than a decade of experience editing and shaping financial content to give readers clear, trustworthy money advice. His work focuses on delivering practical insights that empower people to make smarter financial decisions. Off the clock, he’s a fan of college football tailgates and still loyal to his favorite putter -- despite what his short game suggests.