The Wells Fargo Active Cash® Card is a standout rewards card that's great for a one-card wallet, or to round out your maximization strategy. This no annual fee credit card offers a great flat rewards rate, plus it also comes with a competitive welcome bonus and intro APR offer. Read our full Wells Fargo Active Cash® Card review for an in-depth look at all the pros and cons.
Ratings Methodology
2023 Award Winner
Wells Fargo Active Cash® Card
Great for: One-card wallet
Rating image, 5.00 out of 5 stars.
5.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Rating image, 5.00 out of 5 stars.
5.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Credit Score:Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Poor
Fair
Good
Excellent
300-579
580-669
670-739
740-850
Credit ScoreFalling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Good/Excellent (670-850)
Intro APR0% intro APR for 15 months from account opening on purchases and qualifying balance transfers
Purchases: 0% intro APR, 15 months from account opening
Balance Transfers: 0% intro APR, 15 months from account opening on qualifying balance transfers
Regular APR
20.24%, 25.24%, or 29.99% Variable APR
RewardsEarn unlimited 2% cash rewards on purchases.
2% cash rewards
Welcome OfferEarn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
$200 cash rewards
A standout cash back card that has no annual fee and comes with a competitive cash rewards welcome offer and 0% intro APR offer.
- Unlimited 2% cash rewards
- Long 0% intro APR offer
- Generous cash rewards welcome bonus
- No annual fee
- Cellphone protections
- Card perks
- Free FICO® Score updates
- No bonus categories
- Foreign transaction fees
- Balance transfer fee
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 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. 20.24%, 25.24%, or 29.99% Variable APR thereafter; 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.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
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. Cash rewards can be redeemed for a statement credit to use toward your purchases.
While there are a few 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, no hoop jumping required.
$200 cash rewards welcome bonus
New Wells Fargo Active Cash® Card holders can earn a $200 cash rewards welcome bonus for spending just $500 on their card in the first three months. This is a fairly competitive welcome bonus for a no annual fee card, and the low spending requirement should be easy to meet for most cardholders.
Learn more: Best Sign-Up Bonus Credit Cards
Long 0% APR intro offer
Another nice perk of this card 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 from account opening. After the intro period, a go-to rate of 20.24%, 25.24%, or 29.99% Variable APR applies.
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: 3% during those first 120 days, then up to 5%, min: $5.
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 topping $1,000, 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.
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 the flat rewards rate is very competitive, 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 rewards 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 marketplace or crowdfunding sites.
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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. 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 ideal for folks who want a one-card wallet or a card for non-category purchases.
To top it off, the card comes with a big welcome 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.
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 welcome 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 $0 intro annual fee for the first year, then $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 U.S. 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 Nov. 27, 2023
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| Chase Freedom Unlimited® | Blue Cash Preferred® Card from American Express |
Rating image, 5.00 out of 5 stars. 5.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. | Rating image, 5.00 out of 5 stars. 5.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. |
Apply Now for Chase Freedom Unlimited® OnChase'sSecure Website. | Apply Now for Blue Cash Preferred® Card from American Express OnAmerican Express'Secure Website. Terms apply |
Read Full Review | Read Full Review |
Credit Rating Requirement:Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions. Recommended Credit Score required for this offer is: Good/Excellent (670-850) Poor Fair Good Excellent 300-579 580-669 670-739 740-850 Good/Excellent (670-850) | Credit Rating Requirement:Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions. Recommended Credit Score required for this offer is: Good/Excellent (670-850) Poor Fair Good Excellent 300-579 580-669 670-739 740-850 Good/Excellent (670-850) |
Welcome Offer:SPECIAL OFFER: Unlimited Matched Cash Back. Chase will automatically match all the cash back you earned at the end of your first year! There is no limit to how much cash back you can earn. Matched Cash Back | Welcome Offer:Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. $250 |
Rewards Program:Unlimited 1.5% cash back is just the beginning. Enjoy 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, 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; and 1.5% cash back on all other purchases. 1.5% - 5% cash back | Rewards Program: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. 1% - 6% cash back |
Intro APR:0% Intro APR on Purchases Purchases: 0% Intro APR on Purchases, 15 months Balance Transfers: 0% Intro APR on Balance Transfers, 15 months | Intro APR: Purchases: 0%, 12 months Balance Transfers: 0%, 12 months |
Regular APR: 20.49% - 29.24% Variable | Regular APR: 19.24%-29.99% Variable |
Annual Fee:N/A $0 | Annual Fee: $0 intro annual fee for the first year, then $95. |
Highlights:
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Apply Now for Chase Freedom Unlimited® OnChase'sSecure Website. | Apply Now for Blue Cash Preferred® Card from American Express OnAmerican Express'Secure Website. Terms apply |
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FAQs
The credit limit for the Wells Fargo Active Cash® Card typically ranges from $1,000 to $20,000 or more, based on user reports we reviewed. Credit limits vary by cardholder and depend on several factors, including annual income and credit history.
This card usually isn't hard to get for consumers with good credit. Aim for a FICO® Score of 670 or higher.
Yes, you can use this card internationally -- but you may not want to. It charges a 3% foreign currency conversion fee for each transaction converted to U.S. dollars.
Our Credit Cards Experts
By:Brittney Myers
Writer
Brittney started her writing career in the world of science, putting her physics degree to good use. Her journey into finance started with building her personal credit, but soon grew into a borderline obsession with credit cards and travel rewards. For the last 7 years, she has enjoyed the ability to share her expertise with readers, as well as the opportunity to interview companies and individuals making an impact on our financial lives. She wholly believe most problems can be solved with the right research -- and a good spreadsheet -- and she specializes in translating complex financial topics into actionable advice to help educate and empower readers.
Fact CheckedEric McWhinnie
Eric McWhinnie has been writing and editing digital content since 2010. He specializes in personal finance and investing. He also holds a bachelor’s degree in Finance.
