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Read moreWells Fargo Active Cash® Card review: flat 2% with no annual fee
Everything you need to know about the Active Cash card: how its 2% cash rewards work, what it costs and how it stacks up against other no-fee cards.
The Credit Time is independent. We may earn a commission when you apply through our links, but it doesn't change our analysis. Rates and terms come from the issuer and can change.
Our verdict
Rates and fees
- Regular APR: 18.74%, 24.74% or 28.74% variable, depending on your credit
- 0% intro APR for 12 months on purchases and qualifying balance transfers
- Balance transfers need to happen within 120 days for the intro rate; a fee applies
- Foreign transaction fee: 3%
- No annual fee
- Read the official terms from Wells Fargo
Extra features
- Cell phone protection up to $600 when you pay your phone bill with the card ($25 deductible)
- Secondary auto rental collision damage waiver
- Visa Signature Concierge and Luxury Hotel Collection perks
- Free FICO® score access through Credit Close-Up
Pros and cons
Pros
2% cash rewards on every purchase, no cap
$0 annual fee
Easy $100 bonus to reach
Built-in cell phone protection
Cons
Only 12 months at 0% intro APR
Charges 3% on foreign transactions
No way to earn more than 2%
Full review
With Active Cash, every eligible purchase earns 2% cash rewards, and rewards stay in your account as long as it's open. Redeem them as a statement credit, a deposit into a Wells Fargo account, gift cards or at PayPal checkout.
You get a $100 bonus after spending $500 in the first 3 months. The 0% intro APR lasts 12 months on purchases and qualifying balance transfers; after that, a variable APR based on your credit applies.
» SEE ALSO: Visit the official Wells Fargo page
At a glance
Network: Visa Signature
Earn rate: 2% cash rewards on purchases
Bonus: $100 after $500 in 3 months
Intro APR: 0% for 12 months
Annual fee: $0
Side-by-side comparison
Wells Fargo Active Cash® Card
Chase Freedom Unlimited®
Discover it® Cash BackRates and terms taken from each issuer's official site on 09/23/2026. Regular APRs are variable.
Should you apply?
Active Cash is a strong fit if you want one card for all your spending and zero effort.
If most of your money goes to dining, or you expect to carry a balance for over a year, another card on our list may save you more.
Need a longer 0% period? Discover it Cash Back offers 15 months at 0% and matches all your cash back after the first year.
Apply now