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Wells Fargo Active Cash℠ Card

Wells Fargo Active Cash℠ Card


Rated 4/5 stars by our editorial team

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Your Rating:

3.9/5.0 from 652 Offer Ratings
Over the Past 60 Days!

(652) Over the Past 60 Days!

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  • Regular Purchase APR 14.99%-24.99% (Variable)
  • Intro Purchase APR 0% intro APR for 15 months from account opening
  • Intro BT APR 0% intro APR for 15 months from account opening on qualifying balance transfers
  • Annual Fee $0
  • Credit Needed


  • Card Brand Visa®

Card Details


  • 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 14.99% to 24.99% 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 category restrictions or sign ups 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 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Active Cash℠ Card
  • Select “Apply Now” to learn more about the product features, terms and conditions
  • See Rates & Fees

Card Fees

Foreign Transaction Fee 3%

Balance Transfer Fee 3% intro for 120 days from account opening, then up to 5%; min: $5

Cash Advance Fee Refer to Important Credit Terms

Penalty APR None

Ongoing Information

Rewards Rate Earn unlimited 2% cash rewards on purchases

Annual Fee $0

Additional Card Details

$0 Fraud Liability No

Auto Rental Insurance No

Extended Warranty Program No

Roadside Assistance No

Purchase Protection No

Travel Assistance No

Flight Accident Insurance No

Lost Luggage Reimbursement No

Concierge Service Yes

Expert Reviews

From the Editorial Team

This card is a game-changer with one of the highest rates of unlimited cash back we’ve ever seen on a no-annual fee credit card: cardholders can earn unlimited 2% cash rewards on purchases, no ifs ands or buts. 2% is just about as good as it gets when it comes to rewards cards, so if you’re on the hunt for a card that is very low maintenance that still allows for a substantial accumulation of rewards this one is tough to beat. The Wells Fargo Active Cash℠ Card also comes with a solid if uninspiring welcome offer – new cardholders can earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months. This isn’t the best sign-up bonus on the market, but we feel that the ongoing rewards program is strong enough to offset this weaker offer.

This card also comes with over a year of 0% intro APR on both purchases and balance transfers: for purchases and 0% intro APR for 15 months from account opening on qualifying balance transfers; in both cases, an APR of 14.99%-24.99% (Variable) applies after that intro period is up. This comes with one important caveat – that period of no interest only applies from the first 15 months from account open, so we recommend planning ahead if you’re looking to take full advantage of those features.

Expert Reviews of the Wells Fargo Active Cash℠ Card

  • 4.5

    Regular APR

  • 4.0

    Intro APR

  • 4.5


  • 5.0


  • star rating 4.0/5

    Overall Rating

The Bottom Line

Overall, this card is an exceptional choice in the world of no-annual-fee rewards cards, especially for those who don’t want to deal with activating rewards categories or worrying about more complicated cash back programs.

The Good

This card’s unlimited rewards program is best-in-class right now – you won’t find a higher rate of unlimited cash back on a no annual fee card today.

The Not so Good

This card doesn’t have the strongest welcome offer and only offers a period of 0% intro APR for the first 15 months from account open for purchases and balance transfers.

Editorial Note: This content is not provided by Wells Fargo. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Wells Fargo.

Consumer Reviews

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