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Wells Fargo Active Cash Card Review: An All-Around Cash Back Champ

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The Wells Fargo Active Cash® Card is a standout cash back card that's great for a one-card wallet. This no annual fee credit card also comes with a competitive cash rewards sign-up bonus and 0% intro APR offer, further setting it apart from many of the top offers. Read our full Wells Fargo Active Cash® Card review for an in-depth look at all the pros and cons.

Great for: One-card wallet

Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

  • A standout cash back card with one of the highest unlimited rewards rates we've come across. The inclusion of a hefty sign-up bonus and versatile 0% intro APR offer are the cherries on top.

    • Unlimited 2% cash rewards
    • Long 0% intro APR offer
    • Generous cash rewards sign-up bonus
    • No annual fee
    • No bonus categories
    • Foreign transaction fees
    • 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 17.24%, 22.24%, or 27.24% 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
Wells Fargo Active Cash® Card
Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

Wells Fargo Active Cash Card review

This credit card is a good fit for: Cardholders who want one card for everything, all with no annual fee.

Top perks

The Wells Fargo Active Cash® Card ticks all the typical rewards card boxes with everything from purchase rewards to a long 0% intro APR offer.

Unlimited 2% cash rewards

Cardholders earn unlimited 2% cash rewards on purchases, with no categories to activate or earnings limits to track. While there are a few other cash back cards out there with the same rewards rate, the Wells Fargo Active Cash® Card stands out with its simplicity.

When you're comparing credit cards with similar cash back, you'll see that most have some sort of catch. You either have to redeem your rewards in a specific way, or there are multiple steps to earn the full amount. The Wells Fargo Active Cash® Card doesn't do any of that. You'll earn the same cash rewards on purchases when you make it, and you can redeem those rewards for everything from statement credits to gift cards.

$200 cash rewards sign-up bonus

New Wells Fargo Active Cash® Card holders can earn a $200 cash rewards sign-up bonus for spending just $1,000 on their card in the first three months. Not only is this a very competitive sign-up bonus for a card with no annual fee, but it's also one of the things that sets this Wells Fargo credit card apart from other cash back cards.

Learn more: Best Sign-Up Bonus Credit Cards

Long 0% APR intro offer

Another thing that makes the Wells Fargo Active Cash® Card different from other cash back credit cards is the 0% intro APR card offers. New cardholders can enjoy 0% intro APR on both new purchases and eligible balance transfers for a full 15 months. That's a great offer, even when compared to cards marketed just for a 0% intro APR.

Keep in mind that only balance transfers made within the first 120 days will qualify for the reduced interest rate. There's also a balance transfer fee that will apply to all transfers.

No annual fee

In many cases, high rewards rates mean high annual fees. Not with the Wells Fargo Active Cash® Card. The card has no annual fee, which means you won't need to pay just to keep your account open.

While having no annual fee is great for any cardholder, it's really ideal for people interested in maximizing credit card rewards. You'll be able to hang on to the card with no annual fee, even if you're not using it every day.

Read more: Best No Annual Fee Credit Cards

Cellphone protection

With the price of a typical cellphone in the hundreds of dollars, having some sort of insurance is a good idea. With this Wells Fargo card, you can get built-in cellphone protection just by paying your cellphone bill with your card. The protection covers your phone in the event of theft, damage, or "involuntary and accidental parting." You can get up to $600 per claim -- minus a $25 deductible -- and up to two claims per 12-month period.

Alternatives to consider

  • If you want unlimited cash back plus bonus categories: The Chase Freedom Unlimited® is a solid unlimited cash back rewards card with 1.5% back outside of bonus categories. The bonus rewards categories can be particularly lucrative, much like its sign-up bonus.
  • If you want big rewards on everyday purchases: The Blue Cash Preferred® Card from American Express packs a ton of cash back rewards into its $95 annual fee (see rates and fees). Users earn 6% cash back at U.S. supermarkets ($6,000 annual purchase cap), plus 6% back on select streaming services and 3% back on transit and U.S. gas stations. Terms apply.

Our picks for the best Wells Fargo credit cards might also have some options you like.

As of Aug. 11, 2022
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Chase Freedom Unlimited® Blue Cash Preferred® Card from American Express
Apply Now for Blue Cash Preferred® Card from American Express

On American Express' Secure Website.

Terms apply

Rates & Fees

Credit Rating Requirement:

Good/Excellent (670-850) Info Icon Circle with letter I in it.

Credit Rating Requirement:

Good/Excellent (670-850) Info Icon Circle with letter I in it.

Welcome Offer: Info Icon Circle with letter I in it.

Up to $300 cash back

Welcome Offer: Info Icon Circle with letter I in it.

$350 statement credit

Rewards Program: Info Icon Circle with letter I in it.

1.5% - 5% cash back

Rewards Program: Info Icon Circle with letter I in it.

1% - 6% cash back

Intro APR:

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Intro APR:

Purchases: 0%, 12 months

Balance Transfers: N/A

Regular APR:

16.49% - 25.24% Variable

Regular APR:

16.24%-26.24% Variable

Annual Fee:

$0

Annual Fee:

$95

Highlights:

  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49% - 25.24%.
  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

Highlights:

  • Earn a $350 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a fixed monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low intro APR: 0% intro APR for 12 months on purchases from the date of account opening, then a variable rate, 16.24% to 26.24%.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • $95 Annual Fee.
  • Terms Apply.
Apply Now for Blue Cash Preferred® Card from American Express

On American Express' Secure Website.

Terms apply

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What could be improved

While the Wells Fargo Active Cash® Card has a lot of perks, it does have a handful of drawbacks, too.

No bonus rewards categories

Although you earn unlimited cash rewards on purchases, that's it. You won't earn higher rates for certain purchases. This isn't a surprise, of course, as the Wells Fargo Active Cash® Card is a flat-rate unlimited cash back card by design. However, it's definitely a drawback to anyone who wants to maximize their credit card rewards with a credit card that offers bonus cash back for certain purchases.

If you want to explore a wider range of rewards possibilities, check out our picks for the best rewards credit cards.

Foreign transaction fee

If you're thinking of taking this credit card on your next trip abroad, think again. The card includes a 3% foreign transaction fee for any purchases made in a foreign currency. And you don't need to travel to wind up paying this fee; some online purchases could be in a foreign currency, especially on crowdfunding sites.

Find the best credit card for your needs

Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.

Suggested Wells Fargo Active Cash Card credit score

The Wells Fargo Active Cash® Card is best for applicants with good credit, which typically means a credit score of 670 or higher. A credit score above 700 will give you even better chances of approval. However, remember that issuers look at more than your credit score when evaluating your card application, including your income and full credit history.

Take a look at our guide to the Wells Fargo credit card application rules to learn more about how the process works.

This card is right for you if:

The Wells Fargo Active Cash® Card is a stand-out flat-rate rewards card with one of the best cash rewards programs out there.

To top it off, the card comes with a big cash rewards sign-up bonus and a competitive 0% intro APR offer. While the card doesn't have a lot of secondary cardholder benefits, it doesn't charge an annual fee, either. All in all, the Wells Fargo Active Cash® Card is a quality pick for one-card wallets.

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