Credit and Loans

Wells Fargo Active Cash® – 2% Cash Back With No Strings Attached

Unlimited 2% cash back on all purchases, with no categories and no annual fee

Flat-Rate Cash Back Credit Card

Simple, unlimited rewards with top-tier value

Annual Fee: $0
Rewards Rate: Unlimited 2% cash back on every purchase
Welcome Offer: $200 cash rewards bonus after $500 in purchases within the first 3 months
Recommended Credit Score: 700–850 (Good to Excellent)

Wells Fargo Active Cash®

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Earn unlimited 2% cash back on every purchase—no rotating categories, no activation, no limits.

START WITH A $1,000 LIMIT

UNLOCK $3,000+ CREDIT OPTIONS

FLEXIBLE LIMITS, MAX REWARDS

With no annual fee, no spending categories to track, and top-tier flat rewards, this card is a favorite for simplicity lovers.

Wells Fargo Active Cash®

Earn 2% cash back on all purchases—no categories, no cap.

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How to Apply

Apply online in minutes. Most users receive a fast approval and can begin using the card almost immediately.

Alternative Option: Discover it® Miles

Prefer travel rewards? The Discover it® Miles card earns unlimited 1.5X miles on all purchases—plus Discover matches all your miles at the end of the first year.

Discover it® Miles

Earn unlimited 1.5X miles + year-end match—perfect for flexible travel redemption.

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Frequently Asked Questions

: No, you earn unlimited 2% cash back on every dollar spent—without caps or restrictions.
: No, the 2% applies to every purchase automatically—no categories or enrollment needed.
: No, the Wells Fargo Active Cash® card has no foreign transaction fees.