Wells Fargo Active Cash® Card
Unlimited 2% cash rewards on every purchase, no annual fee, a welcome bonus, and valuable perks. A simple way to earn consistent rewards without tracking categories.
By: Zienic
Unlimited 2% Cash Rewards
Earn unlimited 2% cash rewards on every purchase, every day—no categories to track and no caps to worry about.
$200 Welcome Bonus
Earn a $200 cash rewards bonus after you meet the minimum spending requirement in the intro period, adding quick value right out of the gate.
No Annual Fee
Keep more of what you earn. The Wells Fargo Active Cash® Card charges no annual fee, so every dollar of cash rewards stays with you.
Introductory 0% APR Offer
Take advantage of a 0% intro APR on purchases and qualifying balance transfers for a limited time—useful for large buys or debt consolidation.
Why Choose the Wells Fargo Active Cash® Card?
The Wells Fargo Active Cash® Card stands out for its straightforward rewards structure, offering 2% cash rewards on every single purchase without rotating categories or spending limits. This makes it perfect for cardholders who value simplicity and want to earn rewards consistently, no matter what they’re buying. New cardholders can also take advantage of a $200 cash rewards bonus by meeting the initial spending requirement within the first few months. On top of that, there’s no annual fee, which means all your rewards go straight to your pocket. Another major perk is the introductory 0% APR period for both purchases and qualifying balance transfers, making it a smart choice if you plan to finance a large purchase or consolidate debt. Added benefits like cell phone protection and access to Visa Signature Concierge services further enhance its value. Overall, this card is designed for individuals who want to maximize rewards without overthinking their spending strategy. It’s equally suitable for everyday expenses and larger purchases, offering consistent returns and valuable features in one package.
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Does the Wells Fargo Active Cash® Card have an annual fee?
No, the card has no annual fee.
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How much can I earn with the 2% cash rewards rate?
You earn unlimited 2% cash rewards on all purchases, with no cap.
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What credit score do I need to qualify?
A good to excellent credit score, generally 670 or higher, is recommended.
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How can I redeem my rewards?
Rewards can be redeemed for statement credits, direct deposits, gift cards, or travel purchases.
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Is there a foreign transaction fee?
Yes, a foreign transaction fee may apply when making purchases outside the U.S.
How to Apply for the Wells Fargo Active Cash® Card
Applying for the Wells Fargo Active Cash® Card is a simple and quick process. You can start your application online via the Wells Fargo website, over the phone, or at a branch. Before applying, review the eligibility requirements, such as having a good to excellent credit score (typically 670 or higher). The application will ask for personal information, including your Social Security number, employment details, annual income, and housing status. Wells Fargo will use this information to assess your creditworthiness and determine your approval. In some cases, you might be asked to provide additional documentation. If approved, you’ll receive your card by mail, usually within 7–10 business days. Once activated, you can immediately begin earning unlimited 2% cash rewards on every purchase. Keep in mind that the welcome bonus is only available if you meet the minimum spending requirement within the specified time frame. For those transferring a balance, be sure to complete the transfer within the promotional period to take advantage of the introductory 0% APR offer. With its easy application process and valuable benefits, the Wells Fargo Active Cash® Card is a straightforward way to earn rewards while keeping costs low.