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Card reviewWells Fargo
Updated Apr 16, 2026 · research
Wells Fargo Active Cash® Credit Card
Wells FargoWells Fargo RewardsEditorially reviewed

Wells Fargo Active Cash® Credit Card

Unlimited 2% cash rewards on all purchases with no categories to track, a $200 welcome bonus, 0% intro APR for 12 months, and $0 annual fee.

Mid TierPersonal
Visa
Credit profile: good
$0
Annual fee
2% back all purchases
Top rate
3%
Foreign fee
N/A
Rating

Current Welcome Offer

200 cashback

$200 estimated value

Spend $500 in 90 days

Verifiedproduct page
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Card Offers

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200 cashback

Verified

$200 estimated value

Spend $500 in 90 days

product page

Earning Rates

All Purchases
2%cash back

Unlimited 2% cash rewards on all purchases with no categories to track or quarterly activations.

Pros & Cons

Pros

  • Unlimited 2% cash rewards on all purchases with no category restrictions or quarterly activations
  • No annual fee, making it cost-effective to hold long term
  • $200 welcome bonus after a modest $500 spend requirement within 3 months
  • 0% intro APR for 12 months on both purchases and qualifying balance transfers
  • Visa Signature® benefits including Cellular Telephone Protection and Luxury Hotel Collection access

Cons

  • 3% foreign transaction fee makes it a poor choice for international travel
  • No bonus categories to boost rewards in high-spend areas like dining, groceries, or gas
  • Auto Rental Collision Damage Waiver is secondary coverage, not primary
  • Roadside Dispatch® is a pay-per-use service and does not cover the actual cost of roadside assistance
  • Balance transfer and cash advance fees still apply despite the intro APR offer

Key Takeaways

  • Earns a flat, unlimited 2% cash rewards on every purchase with no categories to track
  • No annual fee and a low $500 spend threshold to unlock the $200 welcome bonus
  • The 0% intro APR lasts 12 months on purchases and qualifying balance transfers, but the ongoing variable APR can reach 28.49%
  • A 3% foreign transaction fee limits the card's value for international use
  • Visa Signature® status unlocks meaningful extras like cell phone protection and luxury hotel benefits

Fees

Fee TypeAmount
Annual Fee$0
Foreign Transaction Fee3%

APR Information

Purchase APR
18.49% - 28.49%0% intro APR for 12 months
Balance Transfer APR
18.49% - 28.49%0% intro APR for 12 months

APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.

Card Benefits

10 benefits including 1 hidden gems

Travel Insurance

Travel Access & Perks

Purchase Protection

Statement Credits

Lifestyle Benefits

Other Insurance

Coverage Tier Legend

Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average

Hidden Gems

Visa Signature® Luxury Hotel Collection

Cardholders get access to a curated portfolio of prestigious hotels worldwide through VisaSignatureHotels.com, with perks such as room upgrades, complimentary breakfast, hotel credits, and late checkout. This benefit is rarely highlighted but can deliver significant value for occasional travelers who book through the program.

My Wells Fargo Deals

Wells Fargo offers personalized cash-back deals at select shopping, dining, and experience merchants that post as statement credits. Cardholders who regularly activate and use these offers can earn cash back on top of the standard 2% rewards rate.

Cellular Telephone Protection

Simply paying your monthly cell phone bill with the card activates up to $600 in coverage per claim against damage or theft, with only a $25 deductible. This benefit effectively replaces the need for a separate cell phone insurance plan for many cardholders.

Frequently Asked Questions

What is the annual fee for the Wells Fargo Active Cash® Credit Card?
The Wells Fargo Active Cash® Credit Card has no annual fee. There is no fee waiver involved — the card is simply free to hold year after year.
How does the welcome bonus work?
New cardholders can earn a $200 cash rewards bonus after spending $500 in purchases within the first 3 months of account opening. The bonus is paid as cash rewards, not points or miles.
What cash rewards rate does this card earn?
The card earns an unlimited 2% cash rewards rate on all purchases. There are no bonus categories to track and no quarterly activations required — the flat rate applies to every eligible transaction.
Does this card charge foreign transaction fees?
Yes. The Wells Fargo Active Cash® Credit Card charges a foreign transaction fee of 3% on purchases made outside the United States. Frequent international travelers should factor this cost into their decision.
What is the intro APR offer on this card?
The card offers 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. Balance transfers must be made within 120 days of account opening to qualify for the intro rate. After the intro period, a variable APR of 18.49% to 28.49% applies.
Is there a balance transfer fee?
The canonical card data confirms a 0% intro APR on qualifying balance transfers for the first 12 months, but specific balance transfer fee amounts are not detailed in the available product information. Review the full cardmember agreement for balance transfer fee details.
What credit score do I need to apply for this card?
The Wells Fargo Active Cash® Credit Card is designed for applicants with good credit. Wells Fargo will consider your full credit profile during the application review process.
Does this card include cell phone protection?
Yes. The card includes Cellular Telephone Protection that covers damage or theft up to $600 per claim, subject to a $25 deductible. To be eligible, you must pay your monthly cell phone bill with the card, and coverage is limited to a maximum of 2 claims per 12-month period.
What travel benefits does this card offer?
The card includes Auto Rental Collision Damage Waiver (secondary coverage when you charge the rental to the card), Travel and Emergency Assistance Services available 24/7 worldwide, and access to the Visa Signature® Luxury Hotel Collection. A Roadside Dispatch® service is also available, though actual roadside service costs are billed separately.
How can I monitor my credit score with this card?
Wells Fargo offers Credit Close-Up®, a free tool that provides monthly FICO® Score updates and personalized credit insights for Wells Fargo Online® customers. Checking your score through this tool does not negatively impact your credit, but enrollment is required.

About This Card

This card is best for consumers who want a simple, no-fuss cash rewards experience and prefer a flat earning rate over managing rotating bonus categories. It is also a solid option for those looking to finance a large purchase or consolidate debt with a 0% intro APR and no annual fee.

The Wells Fargo Active Cash® Credit Card earns unlimited 2% cash rewards on every purchase with no categories to track or quarterly activations. New cardholders can earn a $200 cash rewards bonus after spending $500 in purchases within the first 3 months. The card comes with a 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers (balance transfers made within 120 days qualify for the intro rate and fee), after which a variable APR of 18.49%, 24.49%, or 28.49% applies. There is no annual fee. As a Visa Signature® card, it includes Cellular Telephone Protection (up to $600, subject to a $25 deductible), Auto Rental Collision Damage Waiver, Travel and Emergency Assistance Services, Roadside Dispatch®, Visa Signature® Concierge Services, Visa Signature® Luxury Hotel Collection access, Emergency Cash Disbursement and Card Replacement, My Wells Fargo Deals, Zero Liability Protection, and Credit Close-Up® for free FICO® Score monitoring.

The Wells Fargo Active Cash® Card stands out in the no-annual-fee flat-rate cashback tier by pairing a true unlimited 2% rate with a meaningful intro APR offer and practical Visa Signature® benefits like cell phone protection, a combination few direct competitors offer at zero cost.

Ready to Decide?

Apply for the Wells Fargo Active Cash® Credit Card

200 cashback, worth about $200 estimated value, with no annual fee.

Spend $500 in 90 days

Apply NowCompare Cards

Reward Program

Wells Fargo Rewards

Earns Cash Back

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Card Categories

CashbackNo Annual FeeFlat Rate CashbackIntro AprEveryday Spending

Sources & Methodology

Data Collection

We collect card details from official issuer pages, then verify them through editorial review.

Last updated:

Editorial Review

Pending editorial review.

Data Quality
  • 9 of 10 benefits rated high confidence
  • 1 of 1 offer verified
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Read our full methodology for how we collect, verify, and rate credit cards.

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