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Read moreWells Fargo Active Cash® Card review
A no-annual-fee card that pays 2% cash rewards on every purchase, with no categories to activate. Here is how it compares on rates, fees and rewards.
Money Mindly is independent. We may earn a commission when you apply through our links, but that doesn't affect our analysis. Rates and terms come from the issuer's site and can change.
The bottom line
Rates and fees
- Regular APR: 18.74%, 24.74% or 28.74% variable, based on your credit
- Intro APR: 0% for 12 months on purchases and qualifying balance transfers
- Balance transfers must be made within 120 days to get the intro rate; a fee applies
- Foreign transaction fee: 3%
- Annual fee: $0
- See the official terms from Wells Fargo
More details
- Up to $600 cell phone protection when you pay your bill with the card, $25 deductible
- Auto rental collision damage waiver (secondary coverage)
- Visa Signature concierge and Luxury Hotel Collection
- Free FICO score tracking with Credit Close-Up
Pros and cons
Pros
Unlimited 2% cash rewards on purchases
No annual fee
$100 bonus with a low spending requirement
Cell phone protection included
Cons
0% intro APR lasts only 12 months
3% foreign transaction fee
No bonus categories for higher earnings
Detailed review
The Active Cash card keeps things simple: every eligible purchase earns 2% back, and rewards don't expire while the account is open. You can redeem for statement credits, deposits to a Wells Fargo account, gift cards or PayPal checkout.
New cardholders get a $100 cash rewards bonus after spending $500 in the first 3 months. The 0% intro APR runs 12 months on purchases and qualifying balance transfers, then the rate moves to a variable APR set by your credit.
» MORE: Apply on the official Wells Fargo site
The basics
Card network: Visa Signature
Rewards: 2% cash rewards on purchases
Welcome bonus: $100 after $500 in 3 months
Intro APR: 0% for 12 months
Annual fee: $0
How it compares
Wells Fargo Active Cash® Card
Chase Freedom Unlimited®
Discover it® Cash BackRates and terms from each issuer's official site on 09/23/2026. Regular APRs are variable.
Is this card right for you?
Choose Active Cash if you want a single card for everything and don't want to track categories.
If you dine out a lot or plan to carry a balance, a card with bonus categories or a longer 0% period may save you more.
Prefer a longer 0% period and a lower regular APR floor? Discover it Cash Back gives 15 months at 0% and matches your first-year cash back.
How to apply