Wells Fargo Active Cash
No fee
Wells Fargo
Wells Fargo Active Cash
4.5
(1,234 reviews)cashback
Reviewed by CardCompare Editorial Board
|CFP-reviewed|Updated April 2026Earn unlimited 2% cash rewards on all purchases every day — no categories, no caps, no annual fee. One of the simplest high-rate cards available. Includes 15 months 0% intro APR on purchases and qualifying balance transfers, plus cell phone protection up to 600 dollars per year when you pay your bill with the card.
Annual Fee
No annual fee
Purchase APR
20.49% – 29.49%
Rewards
2% base rate
Sign-Up Bonus
$200 value
Credit Score
Good (670-749)
Foreign Txn Fee
3%
Who Should Get This Card
The Wells Fargo Active Cash is best suited for established credit users who simple flat-rate cash back seekers. With no annual fee, there's zero cost to keep it in your wallet long-term.
This card is great if you…
- 2% flat rate on everything
- No annual fee
- Intro APR offer
- Simple flat-rate cash back seekers
Consider another card if you…
- 3% foreign transaction fee
- No bonus categories
Fees & APR
| Annual Fee | No annual fee |
| Purchase APR | 20.49% – 29.49% |
| Intro APR (Purchases) | 0% for 15 months |
| Intro APR (Balance Transfer) | 0% for 15 months |
| Balance Transfer Fee | 3% |
| Foreign Transaction Fee | 3% |
| Late Fee | Up to $40 |
Pros & Cons
2% flat rate on everything
No annual fee
Intro APR offer
Cell phone protection
3% foreign transaction fee
No bonus categories
The Bottom Line
The Good: The Wells Fargo Active Cash stands out for its 2% flat rate on everything. The welcome bonus worth $200 adds significant first-year value.
The Not So Good: 3% foreign transaction fee.
Our Verdict: With an editor score of 8/10, the Wells Fargo Active Cash is one of our top-rated cards in its category. With no annual fee, there's no risk in trying it.
Frequently Asked Questions
What is the annual fee for the Wells Fargo Active Cash?▾
The Wells Fargo Active Cash has no annual fee — you'll never be charged just for keeping the card open.
What is the sign-up bonus for the Wells Fargo Active Cash?▾
The Wells Fargo Active Cash currently offers a sign-up bonus worth approximately $200. $200 after spending $500 in 3 months Terms apply — always verify the current offer directly with the issuer.
How do the rewards work on the Wells Fargo Active Cash?▾
The Wells Fargo Active Cash earns 2% on all purchases. Rewards are earned as cash back credited to your statement.
What credit score do I need for the Wells Fargo Active Cash?▾
The Wells Fargo Active Cash is recommended for applicants with good (670-749) credit. Approval is not guaranteed and depends on your full credit profile.
Does the Wells Fargo Active Cash charge a foreign transaction fee?▾
Yes, the Wells Fargo Active Cash charges a 3% foreign transaction fee on purchases processed outside the U.S.
What is the APR on the Wells Fargo Active Cash?▾
The Wells Fargo Active Cash has a variable purchase APR of 20.49% – 29.49%, with a 0% intro APR for the first 15 months. If you carry a balance, interest charges can quickly outweigh any rewards earned.
Who is the Wells Fargo Active Cash best for?▾
The Wells Fargo Active Cash is best for Simple flat-rate cash back seekers. A key advantage: 2% flat rate on everything.
Expert Review
By Sarah Chen · 7 min read · Updated 2026-02-01
Who Is the Active Cash Best For?
The Wells Fargo Active Cash is for anyone who wants a dead-simple 2% cash back card with useful extras. It matches the Citi Double Cash's earning rate but adds a $200 sign-up bonus and cell phone protection — two benefits the Double Cash lacks. If you want the highest flat rate available with no annual fee and don't care about transferable points, this is your card.
Beyond 2% Cash Back
The Active Cash's cell phone protection is a standout perk. Pay your monthly phone bill with the card, and you get up to $600 per claim in coverage if your phone is stolen or damaged (with a $25 deductible, 2 claims per year). Most phone insurance plans cost $10-15/month — this benefit alone is worth $120-180/year in savings.
The card also includes a 0% intro APR for 15 months on purchases and qualifying balance transfers — useful for financing a large purchase or consolidating existing debt. After the intro period, the variable APR of 20.24%-29.24% applies.
How It Compares
vs. Citi Double Cash: Identical 2% rate, but the Active Cash has a sign-up bonus and cell phone protection. The Double Cash integrates with Citi ThankYou Points for transfer partner access. Choose based on which ecosystem you prefer or whether you value phone protection vs. transfer partners.
The Bottom Line
The Wells Fargo Active Cash is arguably the best flat-rate cash back card available thanks to its 2% rate, $200 bonus, cell phone protection, and 0% intro APR. It does everything a simple rewards card should — and does it well.
Customer Reviews
4.5
1,234 reviews
5
1
4
1
3
0
2
0
1
0
NR
Nicole R.Verified CardholderNov 18, 2026
Rivals the Citi Double Cash
2% flat rate, no annual fee, plus cell phone protection and a better sign-up bonus threshold ($500 vs $1,500). Winner.
ST
Scott T.Verified CardholderAug 8, 2026
Simple and rewarding
No categories to track. Just use it for everything and get 2% back. The intro APR is a nice bonus.
Was this page helpful?
