Unlimited 2% Cash Rewards
Earn unlimited 2% cash rewards on eligible purchases with no rotating categories, enrollment periods, or quarterly activation requirements to manage.
Wells Fargo Active Cash: Simple Rewards for Every Purchase
The Wells Fargo Active Cash Card combines uncomplicated cash rewards with a useful introductory offer. Cardholders earn unlimited 2% cash rewards on eligible purchases without tracking categories or activating quarterly bonuses. The card has no annual fee, currently offers a cash bonus after meeting its introductory spending requirement, and includes a 0% introductory APR period on purchases and qualifying balance transfers. Additional benefits include cell phone protection, rental car coverage, flexible redemptions, and fraud safeguards.
$200 Introductory Cash Bonus
Eligible new cardholders can earn a $200 cash rewards bonus after making at least $500 in qualifying net purchases during the first three months.
0% Intro APR for 12 Months
Receive a 0% introductory APR for 12 months from account opening on purchases and qualifying balance transfers. Regular variable APR and transfer fees apply afterward.
Cell Phone Protection
Receive up to $600 in eligible protection against cell phone damage or theft when the monthly wireless bill is paid with the card, subject to a $25 deductible.
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Why Wells Fargo Active Cash Works for Everyday Rewards
The Wells Fargo Active Cash Card is designed for consumers who prefer a predictable rewards rate rather than rotating categories or complicated earning rules. Cardholders receive unlimited 2% cash rewards on eligible net purchases, so routine expenses such as groceries, fuel, subscriptions, household bills, and dining can earn at the same rate. There is no annual fee, which means occasional users do not need to generate a specific amount of rewards simply to recover a yearly card cost.
New applicants may also qualify for a $200 cash rewards bonus after spending at least $500 in qualifying purchases within the first three months. The card currently provides a 0% introductory APR for 12 months from account opening on purchases and qualifying balance transfers. Transfers must be completed within the specified introductory window, and a fee applies. Any remaining balance becomes subject to the assigned variable APR after the promotional period, making a repayment plan important.
Active Cash includes benefits beyond its rewards rate. Eligible cardholders can receive up to $600 in cell phone protection against covered damage or theft after paying the monthly wireless bill with the card, subject to a $25 deductible. The card also offers auto rental collision damage coverage, travel and emergency assistance services, Roadside Dispatch, emergency card replacement, and Zero Liability protection for promptly reported unauthorized transactions. Each benefit has exclusions, documentation requirements, and coverage limits.
Rewards can be redeemed in several ways through Wells Fargo Rewards, including credits to eligible Wells Fargo accounts, reimbursement for selected past purchases, gift cards, travel, and participating online checkout options. Cash rewards generally remain available while the account is open and in good standing. The card is most valuable when balances are paid on time and interest is avoided, because finance charges can quickly exceed the value of cash rewards. Offers vary by marketing channel, so applicants should rely on the official terms displayed when they apply.
Frequently Asked Questions
Does the Wells Fargo Active Cash Card have an annual fee?
No. Wells Fargo currently lists a $0 annual fee for Active Cash. Interest, balance-transfer charges, late fees, cash advance fees, and other account costs may still apply.
How much cash back does the Active Cash Card earn?
The card earns unlimited 2% cash rewards on eligible net purchases. There are no rotating categories or quarterly activations required for the standard earning rate.
How can I earn the $200 introductory bonus?
Eligible new cardholders must make at least $500 in qualifying net purchases within three months of account opening. Returns, credits, balance transfers, cash equivalents, fees, and other excluded transactions do not count.
How long does the 0% introductory APR last?
The current offer provides a 0% introductory APR for 12 months from account opening on purchases and qualifying balance transfers. A variable APR applies afterward, and balance-transfer fees and deadlines apply.
Does the card include cell phone insurance?
The card includes up to $600 in eligible cell phone protection against covered damage or theft when the monthly wireless bill is paid with Active Cash. A $25 deductible, coverage limits, exclusions, and claim requirements apply.
How to Request the Wells Fargo Active Cash Card
Start at the official Wells Fargo website and open the credit card section. Select the Active Cash Card and review the current bonus, rewards rate, annual fee, introductory APR, regular variable APR, balance-transfer rules, and benefit disclosures. Wells Fargo also provides a tool that can check for prequalified card offers without affecting a consumer's credit score. A prequalified result is not a final approval and does not guarantee a particular credit limit, APR, or promotional offer.
The full application generally requests a legal name, residential address, date of birth, Social Security number, phone number, email address, employment information, annual income, and monthly housing payment. Existing Wells Fargo customers may be able to sign in and use information already associated with their online banking profile. Applicants should enter complete and accurate information, because Wells Fargo may request additional identity, address, or income verification before making a decision.
Approval is subject to credit qualification. Wells Fargo may consider credit history, income, existing debt, recent credit applications, payment behavior, and its relationship with the applicant. The issuer states that a person may not qualify for an additional Wells Fargo-branded consumer card after opening another Wells Fargo-branded consumer card during the previous four months. Introductory APRs or the rewards bonus may also be unavailable to applicants who currently have, or recently opened, the same product within the period described in the offer terms.
Some applications receive an immediate response, while others require manual review. After approval, activate the card and enroll in Wells Fargo Online or the mobile app to monitor transactions, rewards, statements, and payment dates. Set up Autopay or payment alerts to reduce the risk of missing a due date. Anyone using the introductory APR for a purchase or balance transfer should calculate a monthly target that repays the amount before the promotional period expires. Before submitting the application, read the Important Credit Terms, Cardmember Agreement, Wells Fargo Rewards rules, and Guide to Benefits.
Card availability, bonus eligibility, rewards, APRs, fees,
benefits, and credit requirements may change. Review the offer
and official Wells Fargo disclosures shown during the
application process. Approval is not guaranteed.