Rated 4/5 stars by our editorial team
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3.7/5.0 from 272 Offer Ratings
Over the Past 60 Days!
Reviews
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CompareCards says issuers are providing such generous deals, they're virtually irresistible for those willing to switch.
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Those who always pay their balances in full and on time will usually come out ahead.
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The offers on the credit card landscape are constantly changing which is great news for consumers.
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In the future, the companies that will thrive are those able to give customers exactly what they want, the way they want it, when they want it.
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CompareCards was one of three sites that met all the criteria.
Trusted & Secure
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Empowering over
50,000,000 card holders Since 2005
Wells Fargo Active Cash℠ Card
Apply Now
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on Wells Fargo's secure site
- 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 on qualifying balance transfers
- Annual Fee $0
-
Credit Needed
Excellent/Good
- Card Brand Visa®
Card Details
Highlights
- New! Earn a $200 cash rewards bonus after spending $1,000 on 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 CompareCards.com 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 on 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 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
Fees
- 5.0
Benefits
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
Offer Rating
3.7/5.0
272 Total Ratings
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Related Card Offers
- Rewards Rate Unlimited 1.5% Cash Back on every purchase, every day
- Intro APR 0% intro on purchases for 15 months, then 15.49% - 25.49% (Variable)
- Cash Back Details No minimums for redeeming and cash back won't expire for the life of the account
- Annual Fee $0
- Credit Needed Excellent/Good
- Card Brand Mastercard®
Highlights
- Click "APPLY NOW" to apply online
- One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
- Pay no annual fee or foreign transaction fees
See additional details for Capital One Quicksilver Cash Rewards Credit Card
- 0% Intro APR 0% for 14 months on purchases and Balance Transfers, then 11.99% - 22.99% Variable APR.
- Rewards 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate, 1% unlimited cash back on all other purchases - automatically*
- Cashback Match™ Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Annual Fee $0
- Credit Needed Excellent/Good
- Card Brand Discover
Highlights
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
- Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Redeem cash back in any amount, any time. Rewards never expire.
- Use your rewards at Amazon.com checkout.
- #1 Most Trusted Credit Card according to Investor’s Business Daily.
- No annual fee.
- Discover is accepted nationwide by 99% of the places that take credit cards.
- See Rates & Fees
See additional details for Discover it® Cash Back
- Intro APRs 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.99% - 23.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
- Sign Up Bonus $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
- Rewards Rate 3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs (for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), 1% cash back on all other purchases
- Annual Fee $0
- Credit Needed Excellent/Good
- Card Brand Visa®
Highlights
- Click "APPLY NOW" to apply online or call 800-716-6383.
- No annual fee
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
- 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.99% - 23.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
- No expiration on rewards
- If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase. That means you could earn up to 5.25% cash back on purchases in your choice category.
- Contactless Cards - The security of a chip card, with the convenience of a tap
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
See additional details for Bank of America® Customized Cash Rewards credit card
