If you want straightforward rewards and real value with zero complications, the Wells Fargo Active Cash® Card is one of the most compelling flat-rate cashback cards on the market. With unlimited 2% cash back on every purchase, a welcome bonus, and no annual fee, it’s ideal for those who prefer maximum simplicity and long-term value.
What is the Wells Fargo Active Cash® Card?
The Active Cash® Card is a cash back credit card offering a flat 2% cash back on all purchases, with no rotating categories, no caps, and no enrollment required. It’s designed for people who want to earn high rewards consistently, regardless of spending habits — all with no annual fee.
Key Features and Benefits of the Wells Fargo Active Cash® Card
1. Unlimited 2% Cash Back on Everything
Earn 2% cash rewards on all purchases, every day. There’s no limit, no tracking categories, and no bonus caps — just straightforward earning.
2. Welcome Bonus
Earn a $200 cash rewards bonus after spending $500 in purchases within the first 3 months. It’s easy to achieve and adds immediate value.
3. $0 Annual Fee
Keep every dollar you earn — there are no annual costs to offset.
4. Intro 0% APR Offer
- 0% introductory APR for 15 months on purchases and qualifying balance transfers
- After that, a variable APR applies
- Balance transfers must be made within 120 days to qualify for the intro rate (3% fee initially, then 5%)
This is ideal for large purchases or debt consolidation.
5. Flexible Cash Redemption Options
Your 2% rewards can be redeemed in several convenient ways:
- Statement credits or direct deposit
- Wells Fargo ATM withdrawals (with eligible Wells Fargo debit card)
- Gift cards or travel bookings via the Wells Fargo Rewards portal
6. Cell Phone Protection
Pay your monthly cell phone bill with the Active Cash® card and receive up to $600 in protection against theft or damage (subject to a $25 deductible). A rare benefit for a no-annual-fee card.
7. Zero Liability and Security Features
- $0 Fraud Liability
- Wells Fargo Control Tower® to manage cards and payment methods
- Contactless payments and digital wallet compatibility
- Account alerts and biometric login for added security
Important Considerations Before Applying
- No bonus categories: If you spend heavily on travel, groceries, or dining, you might earn more with a combo of specialized cards.
- Foreign transaction fee: The card charges 3% on purchases made outside the U.S., so it’s not ideal for international travel.
- No travel partners or point transfers: This is a pure cash back card, not suited for travel hacking or point maximization.
How to Apply for the Wells Fargo Active Cash® Card
1. Visit wellsfargo.com
Go to the Active Cash® card page under “Credit Cards.”
2. Review the Welcome Offer and APR Terms
Check for the current sign-up bonus, intro APR, and fee disclosures.
3. Click “Apply Now”
Fill out your secure application with personal, financial, and contact information.
4. Get a Decision
Most applicants receive instant approval, and the card typically ships within 5–7 business days.
Conclusion: Is the Wells Fargo Active Cash® Card Worth It?
Absolutely — especially if you want effortless rewards and consistent value.
With 2% unlimited cash back, $200 bonus, intro APR, and no annual fee, the Active Cash® is one of the top flat-rate cash back cards on the market. It’s perfect as:
- A primary everyday card
- A go-to backup for uncategorized purchases
- A long-term keeper with no cost to maintain
Apply Now and start earning unlimited 2% back on everything you do — with nothing to manage but your rewards.
