Easy rewards with Active Cash
Unlimited 2% cash rewards on every purchase, plus welcome bonus and no annual fee.
By: Creative Pulse
Unlimited 2% Cash Rewards
Earn a flat 2% cash back on all purchases—no rotating categories, no hoops.
No Annual Fee
Enjoy all the card’s benefits without worrying about annual charges.
Intro APR Offers
Get 0% intro APR on purchases and qualifying balance transfers for 15 months.
Extra Perks for Everyday Life
Includes cell phone protection and access to Visa Signature® benefits.
A Smart, Simple Choice: The Wells Fargo Active Cash® Card
The Wells Fargo Active Cash® Card stands out in the crowded cash-back category by offering a refreshing combination of simplicity and value. Unlike many cards that require juggling rotating categories or remembering activation dates, this one gives you unlimited 2% cash rewards on every single purchase—no exceptions. That means whether you’re grabbing coffee, filling up your gas tank, or shopping online, you’re earning consistent cash back. With no annual fee, you’re not paying just to carry the card. Plus, new cardholders can earn a $200 cash rewards bonus after spending $500 in the first 3 months. That’s a quick and easy win to kick off your rewards journey. You’ll also benefit from a 0% intro APR for 15 months on purchases and balance transfers (then a variable APR applies). And as a cherry on top, it includes cell phone protection when you pay your monthly bill with the card—ideal for keeping your tech covered. Whether you’re streamlining your credit card strategy or looking for everyday value, the Wells Fargo Active Cash® Card makes an excellent case for your wallet.
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What credit score do I need to get the Wells Fargo Active Cash® Card?
A good to excellent credit score, typically 670 or higher, gives you the best chance of approval.
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Does the Wells Fargo Active Cash® Card have any foreign transaction fees?
Yes, it charges a 3% foreign transaction fee, so it’s not the best option for use abroad.
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Can I redeem my rewards for anything other than cash?
Yes! You can redeem for statement credits, direct deposits, travel, gift cards, or even toward eligible Wells Fargo loans.
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Is there a limit to how much cash back I can earn?
Nope! There are no caps—you’ll earn 2% cash rewards on every purchase with no limit.
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Does the card offer any protection or insurance benefits?
Yes, it includes cell phone protection when you pay your monthly bill with the card, as well as Visa Signature® perks like roadside dispatch and travel assistance.
How to Apply for the Wells Fargo Active Cash® Card
Applying for the Wells Fargo Active Cash® Card is quick and user-friendly. You can start the process directly through the Wells Fargo website. The application typically takes just a few minutes to complete. Be sure to have your personal information handy—such as your Social Security number, income, and housing details. You don’t need to be an existing Wells Fargo customer to apply, and decisions are often delivered within seconds. However, a good to excellent credit score (generally 670 or higher) is recommended for the best approval odds. Once approved, you may receive a virtual card number to start using right away while waiting for your physical card to arrive by mail. Wells Fargo also allows you to track your application if a decision takes longer. Before applying, it’s always a good idea to review your credit profile and ensure your financial information is up to date. You’ll also want to read through the card’s terms, including the variable APR after the intro period and fees for balance transfers or cash advances. Ready to earn unlimited 2% cash rewards? A few clicks might be all that stand between you and a smarter way to spend.