Wells Fargo Active Cash Card Review (2024)

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The results are in!

Wells Fargo Active Cash® Card earned our award for the Best No Annual Fee Credit Card of 2023, according to our panel of financial experts. (See rates and fees.)

It’s easy to see why with these perks:

Unlimited 2% cash rewards — the highest flat cash back rate we’ve come across with no hoops to jump though.
$200 cash rewards welcome offer that you earn by spending just $500 in purchases in the first three months.
0% intro APR for 15 months from account opening on purchases (and also on qualifying balance transfers made within 120 days of account opening). After the intro period, a go-to rate of 20.24%, 25.24%, or 29.99% Variable APR applies.
$0 annual fee.
APPLY NOW to lock in these benefits today if approved.

Apply Now for Wells Fargo Active Cash® Card

OnWells Fargo'sSecure Website.

Rates & Fees

Wells Fargo Active Cash® Card

Apply Now for Wells Fargo Active Cash® Card

OnWells Fargo'sSecure Website.

Rates & Fees

Rating image, 0.25 out of 5 stars.5.00/5 starsOur ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor

Credit Score:Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Poor

Fair

Good

Excellent

300-579

580-669

670-739

740-850

Good/Excellent (670-850)

Apply Now for Wells Fargo Active Cash® Card

Rates & Fees

Welcome OfferEarn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

$200 cash rewards

RewardsEarn unlimited 2% cash rewards on purchases.

2% cash rewards

Intro APR0% intro APR for 15 months from account opening on purchases and qualifying balance transfers

Purchases: 0% intro APR, 15 months from account opening

Our top 5 reasons to apply today:

Unlimited 2% cash rewards --Cardholders earn an unlimited 2% cash rewards on purchases, with no categories to activate or earnings limits to track.

There are other cards that offer higher cash back rates on certain categories, and while they can be worth it, they do require more effort. And they often are also subject to a cap and limited in what purchases they apply to. The Wells Fargo Active Cash® Card is perfect for someone that wants an easy-to-use card that still offers high rewards: you’ll earn a best-in-class flat rewards right away on your purchases -- with no limits or hoops to jump through.

$200 cash rewards welcome offer --New Wells Fargo Active Cash® Card holders can earn a $200 cash rewards welcome offer for spending just $500 in purchases in the first three months. Not only is this a very competitive sign-up bonus for a card with no annual fee, but it's also one of the things that sets this Wells Fargo credit card apart from other 2% back cards. We’ve yet to come across another credit card with 2% unlimited cash rewards that also has a sign-up bonus.

15 months from account opening 0% APR intro offer-- New cardholders can enjoy 0% intro APR on both new purchases and eligible balance transfers for a full 15 months from account opening. (After that period, a go-to rate of 20.24%, 25.24%, or 29.99% Variable APR applies.) That's a great offer, even when compared to cards marketed just for a 0% intro APR. It means that this card will allow you to avoid interest on purchases and balance transfers into 2025!

Keep in mind that balance transfers need to be made within the first 120 days to qualify for a reduced interest rate and a lower balance transfer fee.

No annual fee-- In many cases, high rewards rates mean high annual fees. Not with the Wells Fargo Active Cash® Card, which sports a $0 annual fee.

Cell phone protection --With the price of a typical cell phone in the hundreds of dollars, having some sort of insurance is a good idea. With this Wells Fargo card, you can get built-in cell phone protection of up to $600 just by paying your cell phone bill with your card. Coverage is subject to a $25 deductible.

Suggested credit score

Approval for the Wells Fargo Active Cash® Card is most likely for applicants with good credit, which typically means a credit score of 670 or higher. If you need help rebuilding your credit, see this page.

The card could be right for you if...

We believe this is one of the best cash back cards for most people. Not only will you get a lucrative unlimited flat cash rewards rate, but it also sports a hefty, easy-to-earn sign-up bonus and a highly competitive 0% intro APR offer for 15 months from account opening.

Depending on what card is in your wallet today, there’s a high chance the Wells Fargo Active Cash® Card is a more lucrative upgrade -- and it could especially be an upgrade over debit cards, which have far worse fraud protections than credit cards and usually no rewards.

To apply for potential approval today and make sure you don’t miss out on your bonus, simply click here: Wells Fargo Active Cash® Card

Apply for Wells Fargo Active Cash® Card

Rates & Fees

There's a right way to swipe

Credit cards with rewards & 0% intro APR offers are excellent, but remember, they are a tool to help you get the most out of your spending. The Ascent motto to follow:

Pay off your card in full each month.
Choose a card whose features are a good fit for you.
Don't spend more than you already would.

Follow this and you'll be making your money work overtime for you. Live richly, not risky.

Our experts also recommend

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Capital One Quicksilver Cash Rewards Credit Card
Chase Freedom Flex℠

Capital One Quicksilver Cash Rewards Credit Card

Apply Now for Capital One Quicksilver Cash Rewards Credit Card

OnCapital One'sSecure Website.

Rates & Fees

Rating image, 0.225 out of 5 stars.4.50/5 starsOur ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Poor

Fair

Good

Excellent

300-579

580-669

670-739

740-850

Good/Excellent (670-850)

Apply Now for Capital One Quicksilver Cash Rewards Credit Card

Rates & Fees

Welcome Offer$200 Cash Back after you spend $500 on purchases within 3 months from account opening

$200 Cash Back

RewardsEarn unlimited 1.5% cash back on every purchase, every day. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply.

1.5%-5% cash back

Intro APR

Purchases: 0% intro on purchases for 15 months

Balance Transfers: 0% intro on balance transfers for 15 months (Balance Transfer Fee Applies)

Regular APR

19.99% - 29.99% (Variable)

Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day
$0 annual fee and no foreign transaction fees
Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies

Chase Freedom Flex℠

Apply Now for Chase Freedom Flex℠

OnChase'sSecure Website.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Poor

Fair

Good

Excellent

300-579

580-669

670-739

740-850

Good/Excellent (670-850)

Apply Now for Chase Freedom Flex℠

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

20.49%-29.24% Variable

Rewards5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.

5% cash back offer

Annual Fee

Welcome OfferEarn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!

$200 bonus

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom FlexSM card
Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Member FDIC