Wells Fargo’s Active Cash Card Pays a Cash Bonus and 2% Back on Everything

Published on Sept. 5, 2025

Jake FitzGerald

By: Jake FitzGerald

Editorial Strategist

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Watching your cash rewards pile up from everyday spending never gets old. And after trying more rewards cards than I can count, I’ve found very few as effortless as the Wells Fargo Active Cash® Card (rates and fees).

This card is built for people who don’t want to play the points game. No rotating categories or no mental math, just a straight 2% cash rewards on every purchase. Simple, unlimited, and automatic.

Why this card stands out

Unlimited 2% cash rewards

A lot of cards advertise 5% or more rewards, but only on select categories like gas stations or streaming services. With the Wells Fargo Active Cash® Card, it's 2% cash rewards on everything -- groceries, bills, travel, even takeout. That's rare for a no-annual-fee card.

$200 cash rewards bonus

New cardholders can earn a $200 cash rewards bonus after spending $500 in the first 3 months. That's like getting 40% back on your first $500 in purchases. Not bad for stuff you'd be buying anyway.

Intro APR

You'll also get a 0% intro APR for 12 months from account opening on qualifying balance transfers and purchases (then a variable rate applies). That gives you some breathing room if you're planning a big expense or want to consolidate debt.

Award Icon 2025 Award Winner

Wells Fargo Active Cash® Card

Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Wells Fargo Active Cash® Card
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers

Purchases: 0% intro APR, 12 months from account opening

Balance Transfers: 0% intro APR, 12 months from account opening on qualifying balance transfers

Regular APR

19.24%, 24.24%, or 29.24% Variable APR

Rewards Circle with letter I in it. Earn unlimited 2% cash rewards on purchases.

2% cash rewards

Annual Fee

$0

Welcome Offer Circle with letter I in it. Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

$200 cash rewards

  • 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 and a decent intro APR offer. 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
    • 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. 19.24%, 24.24%, or 29.24% 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.

Who this card is good for

Honestly? Pretty much everyone.

It's especially great for:

  • People who want simple cash rewards without rotating categories.
  • Anyone looking for a no-annual-fee everyday card that still pulls its weight.
  • Someone who wants to earn rewards while carrying a 0% intro APR for a bit.

I've recommended this card to family and friends, but it's also one I keep in my wallet.

A smarter way to earn on everything

If you're swiping a debit card or using a rewards card that only earns 1%, you're leaving money on the table. With the Wells Fargo Active Cash® Card , you're getting double that on every transaction. Over time, that adds up -- especially if you spend a few thousand dollars a month on day-to-day expenses.

You don't need to be a points hacker or financial wizard to make this one work. That's what makes it one of my favorite recommendations for 2025.

Apply for the Wells Fargo Active Cash® Card today and start earning 2% cash rewards on all purchases.

Our Research Expert

Jake FitzGerald
Jake FitzGerald icon-button-linkedin-2x

Jake is a full-time Editorial Strategist for Motley Fool Money. He specializes in product ratings and all things credit cards, and wants to make sure each person has the best card for them.