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Wells Fargo Active Cash® Card review
Unlimited 2% cash rewards on everything, no categories to track and no annual fee. The card you reach for when nothing else earns more.
We are not a bank and we do not issue credit cards. Terms below come from Wells Fargo's published materials and were checked on August 27, 2026.
The verdict
Rates and fees
- Annual fee: $0
- Ongoing APR: 18.49%, 24.49% or 28.49% variable
- Intro APR: 0% for 12 months on purchases and qualifying balance transfers
- Balance transfer fee: 3% intro for 120 days, then up to 5%, $5 minimum
- Foreign transaction fee: 3%
- Full terms on Wells Fargo's official page
More details
- Welcome offer: $200 cash rewards bonus after $500 of spending in the first three months
- Cell phone protection up to $600 per claim, $25 deductible, two claims per 12 months
- Visa Signature benefits, including 24/7 concierge
- Cash rewards do not expire while the account is open
- Balance transfers do not earn cash back
Pros and cons
What we like
Flat 2% on every purchase, nothing to activate
$0 annual fee
Cell phone protection, unusual on a no-fee card
$200 bonus for a low spending requirement
What to watch
12-month intro window, shorter than several rivals
3% foreign transaction fee
No extended warranty coverage
No bonus categories, so heavy dining or grocery spenders can earn more elsewhere
The full review
The Active Cash pays unlimited 2% cash rewards on purchases. There are no quarterly categories, no activation and no caps, which makes it the simplest rewards card here and a reliable fallback whenever another card would earn less than 2%.
New cardholders get a $200 cash rewards bonus after spending $500 in the first three months, plus 0% intro APR for 12 months on purchases and qualifying balance transfers, after which 18.49%, 24.49% or 28.49% variable applies.
The extras are better than the price suggests, especially the phone coverage of up to $600 per claim when you pay your bill with the card. Weak points: the intro window is a year, where several no-fee rivals offer 15 months, and the 3% foreign transaction fee makes it a card to leave home when you travel.
» MORE: Compare all five cards side by side
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The basics
Annual fee: $0
Rewards: unlimited 2% on everything
Welcome offer: $200 after $500 in 3 months
Intro APR: 0% for 12 months
Credit needed: good to excellent
How it compares
Wells Fargo Active Cash® Card
Chase Freedom Unlimited®
Discover it® Cash BackIssuer terms verified Aug 27, 2026. APRs vary by creditworthiness.
Frequently asked questions
Are there categories to activate?
How does the phone protection work?
Do balance transfers earn cash back?
About the author
DinsToday editorial team
We read the issuer's terms, check the numbers against the published rates and date every figure we publish.