Pros and cons of Wells Fargo Active Cash®

Simple rewards rate with 2% cash back on all purchases. No bonus categories for higher rewards in specific spending areas.
No annual fee and offers intro APR on purchases and qualifying balance transfers. Charges a 3% foreign transaction fee.
Provides cell phone protection.

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.

Comparing Wells Fargo Active Cash® with similar cards

Wells Fargo Active Cash®

Apply now with Wells Fargolock-icon
Reward rate2.00%
Reward detailsEarn unlimited 2% cash rewards on purchases with no categories to track or quarterly activations
Intro Bonus:$200 Annual fee$0
Regular APR20.24% - 29.99%
Read full review

Chase Freedom Unlimited®

Reward rate1.5% - 5%
Reward detailsEarn unlimited 1.5% cash back or more on all purchases, like 3% on dining and drugstores and 5% on travel purchased through Chase.
Intro Bonus:$200 Annual fee$0
Regular APR20.24% - 28.99%
Read full review

Citi® Double Cash

Reward rate2.00%
Reward detailsEarn cash back on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases
Intro Bonus:NA Annual fee$0
Regular APR18.99% - 28.99%
Read full review

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 29.99%
Foreign transaction fees 3% of each transaction converted to US dollars.
Loan APR None
Late payment fee Upto $40
Penalty APR None
Credit score required 670+ (Good – Excellent)

Other Offers

  • Cell phone protectionIf you use your credit card to pay your cell phone bill, you can get up to $600 of cell phone protection against damage or theft (subject to a $25 deductible).
  • Security featuresKeep your account secure with voice verification and 2-step verification at sign on.
  • Wells Fargo Mobile AppPay bills or check account activity using the easy to use mobile app.
  • Zero liability protectionAs long as transactions are reported promptly, you are never held responsible for unauthorized purchases on your account.
  • Contactless paymentSpeed through checkout by tapping your card at contactless checkouts.
  • 24/7 Concierge serviceContact a Visa Signature Concierge for help with travel, dining, or entertainment 24/7/365.
  • Luxury Hotel CollectionStay at luxury hotels through the Visa Signature Collection.

What we like about this card

The Wells Fargo Active Cash Credit Card distinguishes itself with its uncomplicated yet rewarding cash back structure, introductory APR benefits, no annual fee, additional perks like cell phone protection, and the reliability of being backed by a reputable financial institution. These features collectively make it a compelling choice for individuals seeking a versatile and user-friendly cash back credit card:

Generous flat cash back rewards

One of the most attractive features of the Wells Fargo Active Cash Credit Card is its straightforward cash back rewards structure. Cardholders earn an unlimited 2% cash back on every purchase, making it a hassle-free choice for those who prefer a simple and transparent rewards system.

Introductory 0% APR period

The card offers a valuable introductory 0% APR period on both purchases and balance transfers. This feature can be particularly beneficial for those looking to make a large purchase or consolidate existing high-interest debt without incurring additional interest charges during the introductory period.

No annual fee

The absence of an annual fee makes the Wells Fargo Active Cash Credit Card an even more attractive option for individuals who want to maximize their cash back rewards without having to worry about recurring costs.

Cell phone protection

Wells Fargo offers an added layer of protection for cardholders' cell phones. By paying your monthly cell phone bill with the Wells Fargo Active Cash Credit Card, you automatically receive cell phone protection coverage. This feature can be a valuable perk, providing peace of mind in case of theft or damage to your device.

Wide acceptance and access to Wells Fargo’s online and mobile banking

With the backing of Wells Fargo, one of the largest and most established financial institutions, cardholders can enjoy widespread acceptance of their credit card. Additionally, the card integrates seamlessly with Wells Fargo’s online and mobile banking platforms, allowing for easy management of your account, quick access to statements, and the ability to monitor your cash back rewards in real-time.

Accessible welcome bonus

You only have to spend $500 in the first three months of opening the card to earn a $200 cash rewards bonus. While the bonus is small compared to other cards, it is also more achievable than other options.

Drawbacks and considerations

While the Wells Fargo Active Cash Credit Card offers a range of appealing features, it’s important for potential cardholders to be aware of some drawbacks and considerations before deciding. Here are key factors to keep in mind:

Foreign transaction fees

Unlike some other credit cards, the Wells Fargo Active Cash Credit Card comes with foreign transaction fees. If you frequently travel internationally or make purchases in foreign currencies, these fees can add up quickly and offset the cash back benefits.

Limited bonus categories

The card's strength lies in its simplicity, offering a flat 2% cash back on all purchases. However, if you are someone who spends heavily in specific categories such as dining, travel, or groceries, you may find that other credit cards with bonus categories better suit your spending habits. It's essential to evaluate your personal spending patterns to determine if the card aligns with your lifestyle.

Credit score requirements

As with any credit card, approval is subject to creditworthiness. The Wells Fargo Active Cash Credit Card may require a good to excellent credit score for eligibility. Individuals with lower credit scores may find it challenging to qualify for this particular card.

Limited additional perks

While the card offers cell phone protection, it lacks some of the premium perks and benefits that come with higher-tier credit cards, such as travel insurance, extended warranty protection, or airport lounge access. If these additional perks are essential for your lifestyle, you may want to explore credit cards that cater to such needs, even if they come with an annual fee.

Variable APR after the introductory period

While the card provides a beneficial introductory 0% APR period, it's important to note that the APR becomes variable after this period ends. Cardholders who carry a balance should be aware of the ongoing interest rates, which can vary based on the market conditions and their creditworthiness.

How to decide if this card is right for you

Choosing a credit card is a personal decision that should align with your individual financial habits and preferences. To determine whether the Wells Fargo Active Cash Credit Card is the right fit for you, consider the following factors:

Spending habits

Evaluate your typical spending patterns. The Wells Fargo Active Cash Credit Card is designed for simplicity, offering a flat 2% cash back on all purchases. If your spending is diverse and you prefer a no-fuss rewards structure without dealing with rotating categories, this card may be an excellent match.

Desire for bonus categories

That said, consider whether you prefer credit cards with bonus categories tailored to specific spending areas such as dining, travel, or groceries. If you have clear preferences for certain spending categories, you might find other cards with specialized rewards more advantageous.

International usage

If you frequently travel abroad or make purchases in foreign currencies, be mindful of the foreign transaction fees associated with this card. If international transactions are a significant part of your financial activity, you may want to explore credit cards with no foreign transaction fees to save on additional costs.

Interest in introductory APR benefits

If you anticipate carrying a balance or making a large purchase, the introductory 0% APR period on purchases and balance transfers can be a valuable feature.

Credit score

Check your credit score before applying for the Wells Fargo Active Cash Credit Card. This card typically requires a good to excellent credit score for approval. If your credit score is lower, you may want to work on improving it before applying or explore cards that cater to individuals with varying credit profiles.

Annual fee tolerance

Consider your stance on annual fees. The Wells Fargo Active Cash Credit Card stands out by not charging an annual fee, making it a cost-effective choice for those who want to maximize cash back rewards without ongoing fees.

Importance of additional perks

Assess the importance of additional perks and benefits, such as travel insurance, extended warranty protection, or airport lounge access. If you value these extras, you might want to explore premium credit cards that come with a more extensive range of benefits, even if they come with an annual fee.

Long-term rewards strategy

Consider your long-term financial goals and how the Wells Fargo Active Cash Credit Card fits into your overall rewards strategy. While it may lack a traditional sign-up bonus, the consistent 2% cash back on all purchases can provide steady and reliable rewards over time.

Expert's take on the Wells Fargo Reflect Card

Ways to maximize the benefits of this card

Transfer your points to Wells Fargo Transfer Partners

Wells Fargo has airline and hotel partners including Choice Privileges, Air France-KLM Flying Blue, avianca lifemiles, British Airways Executive Club, AerClub, and Iberia Plus. You can convert cash back rewards by transferring them to these travel partners, letting you maximize your cash back earnings as travel rewards. 

Earn the cash back

The card offers unlimited 2% cash rewards on purchases, so use it for everyday spending to maximize your cash back. It’s beneficial for both larger purchases to earn more cash back, and everyday expenses like groceries, gas, and bills. 

Take advantage of the sign-up bonus

This card is currently offering a $200 cash rewards bonus when you spend $500 in purchases in the first three months. Taking advantage of this bonus can provide a huge boost to your cash back rewards.

Redeem wisely

Redeem your cash back for statement credits, deposits into your Wells Fargo account, or use it to purchase gift cards. Choose the option that provides the most value for you.

Pay off the balance each month

To avoid interest charges, pay off your balance in full each month. This way, you'll maximize your cash back without accruing interest.

Maximize the 0% intro APR

Right now, get 0% intro APR for 15 months on purchases and balance transfers. Consider this card using it for large purchases or balance transfers within that intro period to save on interest charges.

How to redeem your rewards with the Active Cash credit card

To redeem your rewards with the Wells Fargo Active Cash credit card, follow these steps:

1. Log in to your account: Visit the Wells Fargo website and log in to your online banking account.

2. Navigate to the rewards section: Once logged in, navigate to the rewards section of your account.

3. Select redeem rewards: Look for the option to redeem your rewards. This could be a button or link that says “Redeem Rewards” or something similar.

4. Choose redemption option: Select how you would like to redeem your rewards. Options may include statement credits, deposits into your Wells Fargo account, gift cards, merchandise, or others.

5. Enter redemption details: Depending on your chosen redemption option, you may need to enter additional details such as the amount to redeem or the specific item you want to purchase.

6. Confirm redemption: Review your redemption details and confirm your choice. Once confirmed, your rewards will be applied according to your chosen redemption method.

7. Check for confirmation: After redeeming your rewards, check your account for a confirmation of the redemption. This will ensure that your rewards were successfully applied.

8. Monitor your rewards balance: Keep an eye on your rewards balance to track how much you’ve earned and how much you have available to redeem in the future.

What users are saying about this card

The Active Cash Card offers a straightforward and rewarding cash-back structure, making it a practical choice for everyday expenses. As someone who values simplicity and transparency in financial products, I appreciate the unlimited 2% cash back on purchases. Whether it's groceries, gas, or other essentials, the consistent cash-back rate adds up over time, contributing to savings or providing flexibility in spending. Moreover, the card's additional perks, such as cell phone protection and various security features, enhance the overall value proposition. These features align with my preferences for a credit card that not only offers financial benefits but also prioritizes security and convenience in day-to-day transactions. Overall, the Wells Fargo Active Cash Card proves to be a reliable companion for managing expenses efficiently while earning meaningful cash-back rewards.

Read more
Mark Damsgaard

Founder, Global Residence Index

I have found the Wells Fargo Active Cash Card helpful in my situation. The ease of the reward structure associated with the card fits perfectly into my demanding lifestyle. It offers a simple yet valuable proposition: an automatic 2% cash back on all purchases without restrictions to different categories or reward caps. This has greatly simplified the management of my expenditures because I have to pay for many office supplies and travel costs at work. Secondly, the straightforward approach to rewards redemption that the Active Cash Card offers also makes it more attractive. The simplicity of redeeming cash rewards through a statement credit to one's Wells Fargo account makes my life easier as I rely on every minute. In addition, the welcome APR for purchases and promotional offers provided flexibility and an opportunity to save, especially when larger debts are being managed or during times of excessive caseloads. Overall, the simplicity and efficiency of the Wells Fargo Active Cash Card, with its value, is a viable decision in my professional world, where time management along with financial efficacy is required.

Read more
Loretta Kilday

DebtCC Spokesperson, Debt Consolidation Care

How this card helps the environment along with you

The Wells Fargo Active Cash credit card not only benefits you financially but also contributes to a better environment and society. Here’s how:

  • Environmental impact: By using the Active Cash credit card, you’re supporting Wells Fargo’s commitment to environmental sustainability. Wells Fargo has implemented various green initiatives, such as reducing paper usage, increasing energy efficiency in its operations, and investing in renewable energy projects. Your choice to use this card aligns with these efforts, helping to reduce the carbon footprint.
  • Social responsibility: Wells Fargo is dedicated to social responsibility and community development. The company supports various social initiatives, including affordable housing programs, financial education, and community development projects. By using the Active Cash credit card, you’re supporting these efforts and helping to create positive social change.
  • Governance practices: Wells Fargo is committed to strong governance practices, ensuring transparency, accountability, and ethical conduct in its operations. By choosing the Active Cash credit card, you’re supporting these practices and promoting good governance in the financial industry.
  • Impact investing opportunities: Wells Fargo offers impact investing opportunities through its investment products and services. These opportunities allow you to invest in companies and projects that have a positive impact on society and the environment.

Found a prefect pair

Pair your Wells Fargo Active Cash® with Delta SkyMiles® Gold American Express Card to earn $639 annually in cash back

Delta SkyMiles® Gold American Express Card

Apply now with American Express

To get the most value, you can pair this card with a travel rewards credit card like the Delta American Express Gold 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 now with American Express


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  4. Introductory offers: Analyze introductory APR, balance transfer offers, and sign-up bonuses.
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Yes, the Wells Fargo Active Cash card charges a 3% fee for each foreign transaction amount.

Yes, this card provides an auto rental collision damage waiver, which covers reimburses you if a covered accident or theft occurs to the rental car.

Yes, like most credit cards, the Wells Fargo Active Cash Credit Card can contribute to building credit when used responsibly. Here’s how:

1. Payment History: Your payment history is a crucial factor in your credit score. Making payments on time each month will have a positive impact on your credit history. Conversely, late payments can have a negative effect.

2. Credit Utilization: The card’s credit limit and your balance affect your credit utilization ratio, which is the amount of credit you’re using compared to your total available credit.

3. Credit Mix: Having a mix of different types of credit, including credit cards, can contribute positively to your credit score.

4. Length of Credit History: The longer you have a credit card account open, the more it positively affects your credit score.

5. New Credit: Opening a new credit card account can initially have a small negative impact on your credit score due to the inquiry and the new account. However, this impact is usually temporary, and as you use the card responsibly, it can contribute positively to your credit profile over time.

It’s essential to use the Wells Fargo Active Cash Credit Card responsibly by paying your bills on time, keeping your credit utilization low, and managing your overall credit responsibly.

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