Wells Fargo Active Cash® Card Review

Wells Fargo Active Cash® Card is the easiest cash back card. If you are looking for simplicity, this is the card for you: Earn an unlimited 2% back and redeem as little as $1.

Written by : Updated On: July 14

The basics

Reward Rate:



Unlimited 2%

No categories to track or quarterly activations.

Key Features:

Annual Fee:


Intro APR:

0% intro APR on purchases and balance transfers for 15 months

Regular APR:

19.99%, 24.99%, or 29.99% variable APR

Signup Bonus:


$200 cash rewards bonus after spending $500 in the first three months from account opening.

Redemption ways:


You can redeem cash back for purchases, to your account, at an ATM, for gift cards, or through PayPal.

Our Verdict

With highly competitive rewards rates and numerous perks to take advantage of, the Wells Fargo Active Cash Card is in a league of its own. It rewards cash back on grocery, gas and drug store purchases for each dollar spent, giving customers the flexibility to save money on items they already buy, or even just receive rewards points when making regular purchases. The rewards rates offered far surpass those of nearly any other cash rewards cards out there, allowing users to save more money while enjoying easy-to-redeem rewards.

Best Suited for:


Pantry stocker

You are not happy unless you have a kitchen full of food. You are the designated grocery person in your household, and you are good at it. But what you really like is getting cash back for spending in this category.

Hidden perks

Wells Fargo is a great bank, so it is natural to want a credit card that is linked to them. This card comes with no annual fee and a 0% intro APR for 15 months from account opening, so we love it for those new to the credit card game and want to get their feet wet. There is less risk with this card than others and it is easy to understand how to use and earn.

Pair this card with:

Delta SkyMiles® Gold American Express Card


To get the most value, you can pair this card with a travel rewards credit card like the Delta SkyMiles® Gold American Express Card so you earn points to use on airfare. Use this card to get money back on day-to-day purchases and collect points on your travel rewards card to save up for travel.

Apply for Delta SkyMiles® Gold American Express Card

Beyond the basics

Balance transfer intro APR

0% for 15 months on transfers made within the first 120 days from account opening.

Cash advance APR


Foreign transaction fees

3% of each transaction converted to US dollars.

Loan APR


Late payment fee

Up to $40.

Penalty APR


Credit score required


Other Offers

Get $600 of protection against damage or theft when you pay your monthly cell phone bill with your card. Subject to a $25 deductible.

Keep your account secure with voice verification and 2-step verification at sign on.

Pay bills or check account activity using the easy to use mobile app.

As long as transactions are reported promptly, you are never held responsible for unauthorized purchases on your account.

Speed through checkout by tapping your card at contactless checkouts.

Contact a Visa Signature Concierge for help with travel, dining, or entertainment 24/7/365.

Stay at luxury hotels through the Visa Signature Collection.

Cashback Example

If you were to spend $1000 every month on this card, you would get $20 back – or $240 a year. With this card, the more you spend, the more you get back. There are no spending or earning caps, so you are free to spend naturally and reap the rewards.

Cell phone protection up to $6002% back is low compared to other 5% back cards
0% APR on transfers and purchases for 15 monthsForeign transaction fees
$200 sign up bonusLimited perks
No spending cap
Unlimited 2% cash rewards on purchases with several redemption options

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