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Flat 2% cash rewards with strong intro perks
Unlimited 2% Cash Rewards
Earn unlimited 2% cash rewards on all purchases, with no rotating categories or spending caps to track.
$200 Welcome Bonus
Get a $200 cash rewards bonus after spending $500 in purchases within the first three months.
Intro 0% APR Offer
Enjoy 0% intro APR for 12 months on purchases and qualifying balance transfers made within 120 days.
Valuable Built-In Protections
Includes cell phone protection and secondary auto rental collision damage waiver when you pay with your card.
Why the Wells Fargo Active Cash® Card Is a “Set-It-and-Forget-It” Cash-Back Tool
The Wells Fargo Active Cash® Card is designed for people who want simple, reliable cash-back rewards without juggling bonus categories. The card offers unlimited 2% cash rewards on every dollar spent on net purchases, meaning you earn the same flat rate whether you are buying groceries, paying for streaming services, or covering everyday bills. Cash advances, balance transfers, certain fees, and cash-equivalent transactions do not earn rewards, which is standard for this type of product.
The headline perks start with a $200 cash rewards bonus after you spend $500 in purchases within the first three months from account opening, a low spending requirement compared with many competitors. On top of that, you get a 0% intro APR for 12 months on purchases and qualifying balance transfers from the date your account is opened; after the introductory period, your variable APR moves to a range Wells Fargo currently lists as 18.74%, 24.74%, or 28.74%, depending on your credit profile. Balance transfers made within 120 days of account opening qualify for the intro rate and promotional balance transfer fee, and a standard balance transfer fee applies afterward.
There is no annual fee, which makes it easier to keep the card long-term as a core cash-back option in your wallet. Rewards post as cash rewards in the Wells Fargo Rewards® program and can be redeemed in several ways: as a statement credit, as a credit to an eligible Wells Fargo checking account, to cover eligible past purchases, at checkout with PayPal via Pay with Rewards, for gift cards, or for travel like flights, hotels, and car rentals. This mix gives everyday users flexibility, especially if they already bank with Wells Fargo.
Beyond rewards, the Active Cash card includes a suite of protections and Visa Signature® benefits. Cardholders can get up to $600 per claim in cellular telephone protection (with a $25 deductible and a maximum of two paid claims in a 12-month period) when they pay their monthly cell phone bill with the card. There is also secondary auto rental collision damage waiver, travel and emergency assistance services, roadside dispatch, emergency cash disbursement and card replacement, My Wells Fargo Deals for targeted merchant offers, Zero Liability Protection for promptly reported unauthorized transactions, and Credit Close-Up® for complimentary FICO® Score monitoring. Visa Signature concierge and access to the Visa Signature Luxury Hotel Collection further round out the package, especially for occasional travelers.
While Wells Fargo does not publish a specific minimum credit score, cards in this category are generally best suited for applicants with good to excellent credit. That expectation is based on typical U.S. market practices, not an official Wells Fargo rule. Application terms also note that you may not qualify for another Wells Fargo-branded consumer credit card if you have opened one in the last six months, and you may not be eligible for introductory APRs or welcome bonuses on the same product if you have had or opened it within the last 48 months.
Lock In Simple 2% Cash Rewards on Everything You Buy
If you prefer a straightforward approach to credit card rewards, the Wells Fargo Active Cash® Card is built to keep things simple while still delivering strong value. Instead of tracking rotating categories or activating limited-time offers, you earn a flat 2% cash rewards rate on every eligible purchase. For many U.S. consumers, that single feature can outperform more complicated setups where you forget to use the right card at the right time. When you add a $200 cash rewards welcome bonus after just $500 in purchases within the first three months, the card becomes even more compelling in the first year.
The 0% intro APR for 12 months on purchases and qualifying balance transfers gives you room to manage larger expenses, consolidate higher-interest card balances, or smooth out cash flow. Used carefully and paired with a plan to pay down your balance before the intro period ends, this feature can save a meaningful amount in interest versus carrying a balance on a non-promotional card. Just remember that a balance transfer fee typically applies and that the variable APR after the intro period—currently in the 18.74% to 28.74% range—can make revolving debt expensive.
On the everyday benefits side, the built-in protections help the card stand out among $0-annual-fee cash-back competitors. Paying your monthly cell phone bill with the Active Cash card can unlock up to $600 in cellular telephone protection per approved claim (minus a $25 deductible), up to two paid claims per 12-month period. Secondary auto rental collision damage waiver, travel and emergency assistance, roadside dispatch, emergency cash disbursement, and Visa Signature concierge and hotel benefits add another layer of value, especially if you rent cars periodically or travel a few times per year.
Redemption flexibility is another selling point. You can take your 2% cash rewards as statement credits, apply them as credits to eligible Wells Fargo checking accounts, cover specific past purchases through Redeem for Purchases, use Pay with Rewards at participating online merchants via PayPal, or redeem for gift cards and travel. This helps the card adapt to different financial goals, whether you want to lower your card bill, offset everyday banking costs, or save toward a future trip.
If you are looking for a primary cash-back card for domestic spending and already bank with Wells Fargo—or you are comfortable adding another banking relationship—the Active Cash card can serve as a long-term “workhorse” in your wallet. To see the latest offer details and confirm current terms before applying, review the official Wells Fargo Active Cash® page and Important Credit Terms, then use the application button to submit your request online.