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Pros & Cons
Pros
- +Welcome Bonus: $200
- +No annual fee
Cons
- –No purchase protection
Our Review
Maximize Every Purchase with the Wells Fargo Active Cash® Card
- Unlimited 2% cash back on all purchases
- $200 cash rewards bonus after $500 in purchases within 90 days
- 0% intro APR on purchases and balance transfers for 12 months
- No annual fee
- Flexible redemption via statement credit, direct deposit, ATM withdrawal or mailed check
Whether you’re grabbing a coffee, filling up at the pump or tackling big expenses, Active Cash delivers a straightforward 2% back on every swipe—no categories or caps. The generous sign‑up bonus and a full year of 0% APR make it easy to kickstart your rewards or consolidate high‑interest balances. Plus, enjoy cell phone protection and exclusive Visa Signature perks like concierge service and luxury hotel benefits.
Terms apply. Intro APR applies to purchases and balance transfers made within first 60 days; after that, variable APR of 19.24%–29.24% applies. See wellsfargo.com for complete details.
Rewards
All Spending
2x
Cash Back pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
60,000
Cash Back/yr
Estimated Value
$600
After Fees
+$600
1st Year Value
$602
incl. welcome bonus
Breakdown
Perks & Benefits
Concierge
24/7
Additional Benefits
Purchase Protection
Mobile Device
Up to $600
Auto Rental Collision (secondary, primary abroad)
Up to $50,000 / 15 days
Terms & Conditions
Card Features
- 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. 19.24%, 24.24%, or 29.24% 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.
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Wells Fargo. All trademarks are property of their respective owners.