Wells Fargo Active Cash®
Wells Fargo Active Cash offers unlimited 2% cash back, no annual fee, and simple everyday value.
By: UsNetDinheiro
Unlimited 2% cash back
Earn a flat 2% cash back on all purchases with no categories to track or caps to worry about.
Welcome bonus
Get a $200 cash rewards bonus after spending $500 in the first 3 months (offer terms may vary).
0% intro APR
Enjoy 0% intro APR for 12 months on purchases and qualifying balance transfers, then a variable APR applies.
Extra protections
Pay your cell phone bill with the card and get up to $600 per claim in cell phone protection (two claims per year, $25 deductible).
Why the Wells Fargo Active Cash® Card stands out
The Wells Fargo Active Cash® Card keeps rewards refreshingly straightforward. Instead of rotating categories or bonus caps, you earn unlimited 2% cash back on virtually everything you buy. That makes it ideal as a “one-card wallet” for groceries, gas, bills, online shopping, and everyday splurges—no thinking required. On top of that flat-rate value, the card offers a competitive welcome bonus: spend $500 in the first three months and you can earn $200 in cash rewards. It’s a quick win for new cardholders who plan to use the card for normal spending anyway. There’s also a 0% intro APR for 12 months on purchases and qualifying balance transfers, which can help if you want breathing room for a larger purchase or to consolidate existing debt. After the intro period, a variable APR applies based on creditworthiness.
-
What rewards do I earn with the Wells Fargo Active Cash® Card?
You earn unlimited 2% cash back on eligible purchases, with no categories or caps to manage.
-
Is there a sign-up bonus?
Yes. New cardholders can earn a $200 cash rewards bonus after spending $500 in the first 3 months, depending on the current offer.
-
Does the card have an intro APR?
Yes, it typically offers 0% intro APR for 12 months on purchases and qualifying balance transfers, then a variable APR applies.
-
Does it include cell phone protection?
Yes. Pay your monthly cell phone bill with the card and you can get up to $600 per claim (two claims per year, $25 deductible).
-
Is there a foreign transaction fee?
Yes, the card generally charges a 3% foreign transaction fee, so it’s not the best pick for heavy international use.
How to apply for the Wells Fargo Active Cash® Card
Applying for the Wells Fargo Active Cash® Card is a standard credit-card process, and you can do it online or at a Wells Fargo branch. Start by checking whether your credit profile fits the card’s target range—typically good to excellent credit gives you the strongest approval odds and best APR tier. Next, gather the basic info you’ll need for the application: legal name, address, Social Security number, income, housing payment, and employment details. On the Wells Fargo application page, choose the Active Cash card, confirm your personal information, and review the key terms (rewards rate, intro APR timeline, fees, and variable APR range). After submission, Wells Fargo may approve you instantly or request additional verification. If approved, you’ll receive your card by mail. Once it arrives, activate it through the Wells Fargo app, by phone, or online, and set up your preferred payment method. Many cardholders pair this card with autopay for full statement balances, which helps avoid interest after the intro period and keeps cash-back earnings truly profitable.