Wells Fargo Active Cash® Card

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Wells Fargo Active Cash® Card

 

Rated 4/5.0 stars by our editorial team

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4/5.0 from 129 Offer Ratings
Over the Past 60 Days!

(129) Over the Past 60 Days!
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on Wells Fargo's secure site

Rates & Fees
  • Regular Purchase APR 17.24%, 22.24%, or 27.24% variable APR
  • Intro Purchase APR 0% intro APR for 15 months from account opening
  • Intro BT APR 0% intro APR for 15 months from account opening on qualifying balance transfers
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®
  • Regular Purchase APR 17.24%, 22.24%, or 27.24% variable APR
  • Intro Purchase APR 0% intro APR for 15 months from account opening
  • Intro BT APR 0% intro APR for 15 months from account opening on qualifying balance transfers
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 17.24%, 22.24%, or 27.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
  • $0 annual fee
  • No categories to track or remember and cash rewards don't expire as long as your account remains open
  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).
  • Select “Apply Now” to learn more about the product features, terms and conditions
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Card Fees

Foreign Transaction Fee

3%

Balance Transfer Fee

3% intro for 120 days from account opening, then up to 5%; min: $5

Cash Advance Fee

Refer to Important Credit Terms

Penalty APR

None

Ongoing Information

Rewards Rate

Earn unlimited 2% cash rewards on purchases

Annual Fee

$0

Additional Card Details

$0 Fraud Liability

No

Auto Rental Insurance

No

Extended Warranty Program

No

Roadside Assistance

No

Purchase Protection

No

Travel Assistance

No

Flight Accident Insurance

No

Lost Luggage Reimbursement

No

Concierge Service

Yes

Expert Reviews

From the CompareCards.com Editorial Team, updated on Aug 14, 2022

This card is a game-changer with one of the highest rates of unlimited cash back we’ve ever seen on a no-annual fee credit card: cardholders can earn unlimited 2% cash rewards on purchases, no ifs ands or buts. 2% is just about as good as it gets when it comes to rewards cards, so if you’re on the hunt for a card that is very low maintenance that still allows for a substantial accumulation of rewards this one is tough to beat. The Wells Fargo Active Cash® Card also comes with a solid if uninspiring welcome offer – new cardholders can earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months. This isn’t the best welcome offer on the market, but we feel that the ongoing rewards program is strong enough to offset it.

This card also comes with over a year of 0% intro APR on both purchases and balance transfers: 0% intro APR for 15 months from account opening for purchases and 0% intro APR for 15 months from account opening on qualifying balance transfers; in both cases, an APR of 17.24%, 22.24%, or 27.24% variable APR applies after that intro period is up. This comes with one important caveat – that period of no interest only applies from the first 15 months from account open, so we recommend planning ahead if you’re looking to take full advantage of those features.

Expert Reviews of the Wells Fargo Active Cash® Card

  • 4.5

    Regular APR

  • 4.0

    Intro APR

  • 4.5

    Fees

  • 5.0

    Benefits

  • 4.0/5

    Overall Rating

The Bottom Line

Overall, this card is an exceptional choice in the world of no-annual-fee rewards cards, especially for those who don’t want to deal with activating rewards categories or worrying about more complicated cash back programs.

The Good

This card’s unlimited rewards program is best-in-class right now – you won’t find a higher rate of unlimited cash back on a no annual fee card today.

The Not so Good

This card doesn’t have the strongest welcome offer and only offers a period of 0% intro APR for the first 15 months from account open for purchases and balance transfers.

Editorial Note: This content is not provided by Wells Fargo. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Wells Fargo.

Consumer Reviews

star rating

OFFER RATING

4.0/5.0

129 Total Ratings

5 STARS

(29)

4 STARS

(41)

3 STARS

(28)

2 STARS

(19)

1 STAR

(12)

YOUR RATING

 

Rated 4/5.0 stars by our editorial team

Click the stars to submit your rating.

Rating already submitted!

Thanks for rating!

Change my rating to: Average

4/5.0 from 129 Offer Ratings
Over the Past 60 Days!

(129) Over the Past 60 Days!
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