The Wells Fargo Active Cash® Credit Card is a standout choice for those who value simplicity and consistency. With unlimited 2% cash rewards on every purchase and no annual fee, it’s a frictionless way to earn meaningful cashback whether you’re spending on groceries, travel, or streaming subscriptions. No rotating categories. No caps. Just straightforward value.
What Is the Wells Fargo Active Cash® Card?
The Wells Fargo Active Cash® Card is a flat-rate cashback credit card that offers a consistent 2% back on all eligible purchases, with no limits or tracking required. It’s designed for individuals who want maximum cashback without the complexity of category-based rewards.
Key Features and Benefits
Unlimited 2% Cash Rewards
Earn 2% cash rewards on all purchases — no category restrictions, no enrollment needed.
$200 Cash Rewards Bonus
New cardholders can earn a $200 cash rewards bonus after spending $500 in purchases within the first 3 months of account opening.
Intro APR Offer
Enjoy a 0% introductory APR for 15 months from account opening on purchases and qualifying balance transfers. After that, a variable APR applies.
No Annual Fee
Keep more of what you earn. The Active Cash® card comes with no annual fee, making it ideal for long-term use and everyday spending.
Flexible Redemption Options
Your cash rewards can be redeemed for:
- Statement credits
- Direct deposits to a Wells Fargo account
- Withdrawals from ATMs (with a Wells Fargo debit or ATM card)
- Travel, gift cards, or even toward eligible loans
Built-In Security and Convenience
- Zero Liability Protection for unauthorized transactions
- Wells Fargo Control Tower® to manage your card and accounts
- Contactless payments and digital wallet compatibility
Cell Phone Protection
Pay your monthly mobile phone bill with your Active Cash® Card and receive up to $600 in protection (subject to a $25 deductible) against covered damage or theft.
Visa Signature® Benefits
Includes access to exclusive offers, concierge services, and travel protections through the Visa Signature program.
How to Apply
- Visit wellsfargo.com/activecash
- Review terms and current promotional offers
- Fill out the secure application with your personal and financial information
- Submit and receive a decision — often instantly
- Start using your card and earning 2% cash rewards right away
Conclusion: Is the Active Cash® Card Right for You?
If you’re looking for a no-annual-fee card that delivers reliable, uncapped rewards on everything you buy, the Wells Fargo Active Cash® Credit Card is one of the best options available.
✅ Unlimited 2% cash rewards
✅ No fees, no fuss
✅ Strong welcome bonus and intro APR
For individuals who prefer maximum cashback with minimal effort, this card is an elegant and efficient solution to amplify everyday spending.
