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Wells Fargo Active Cash® Card Review

Last Updated on May 13, 2026

Offer Rating

4.5/5

By Our Content Team

EDITOR

Finally, a no annual fee cash back card with unlimited 2% cash rewards on purchases. The Wells Fargo Active Cash® Card also offers a generous welcome bonus and low interest rates, making it a top choice for any consumer.

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Wells Fargo Active Cash Card card art Rates & Fees

Wells Fargo Active Cash® Card

4.5 BCC Score
Apply Now

on Wells Fargo's secure site

Welcome Offer
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
Rewards Rate
Earn unlimited 2% cash rewards on purchases
Intro APR
0% intro APR for 12 months from account opening on purchases and 0% intro APR for 12 months from account opening on qualifying balance transfers, then 18.49%, 24.49%, or 28.49% Variable APR
Annual Fee
$0
Credit Score Needed
Excellent/Good
Card Brand
Visa
  • Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
  • Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
  • Earn unlimited 2% cash rewards on purchases.
  • 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.49%, 24.49%, or 28.49% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
  • $0 annual fee.
  • No categories to track or remember and cash rewards don’t expire as long as your account remains open.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

Review additional details for Wells Fargo Active Cash Card

More Info

Pros

  • Earn unlimited 2% cash rewards on purchases with no strings attached
  • Score a hefty welcome bonus and pay no annual fee
  • Enjoy a year of 0% intro APR on purchases and qualifying balance transfers

Cons

  • There is a foreign transaction fee of 3%
  • Balance transfers will incur a fee of 3% intro for 120 days from account opening, then up to 5%, min: $5

OUR EXPERT REVIEW

Why We Like It

The Wells Fargo Active Cash® Card is a powerful credit card that comes with one of the best cash rewards offerings we've ever seen. With this no annual fee card you will receive a generous rewards rate of 2% cash rewards on purchases. That means no matter what you're spending on, you'll earn the same generous rewards rate. No more worrying about rotating categories or annoying monthly caps on the amount of cash you can earn.

This card also comes with a large welcome bonus: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. That's a hefty offer when you consider that this card has no annual fee!

If you're looking for a card with 0% intro APR, the Wells Fargo Active Cash® Card is also a great option for you. New cardholders will enjoy 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. After the intro period is up, the ongoing APR is 18.49%, 24.49%, or 28.49% Variable APR.

Pros & Cons

Pros

  • Earn unlimited 2% cash rewards on purchases with no strings attached
  • Score a hefty welcome bonus and pay no annual fee
  • Enjoy a year of 0% intro APR on purchases and qualifying balance transfers

Cons

  • There is a foreign transaction fee of 3%
  • Balance transfers will incur a fee of 3% intro for 120 days from account opening, then up to 5%, min: $5

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