Wells Fargo Active Cash® Card
Earn Unlimited Rewards with Ease
By: Zienic
Unlimited 2% Cash Rewards
Earn an unlimited 2% cash rewards on all purchases—no categories, no limits.
Introductory APR Offer
Enjoy a 0% intro APR on purchases and qualifying balance transfers for 15 months.
No Annual Fee
Keep more of your money with no yearly maintenance fee.
Intro Bonus Cash Reward
Earn a $200 cash rewards bonus after spending $500 in the first 3 months.
A Powerful and Simple Cash Back Card for Everyday Use
The Wells Fargo Active Cash® Card combines simplicity and value in a powerful way, making it an ideal choice for both everyday shoppers and strategic spenders. The standout feature is its flat-rate 2% cash back on all purchases. You don’t need to worry about rotating categories, quarterly activations, or reward limits—just spend and earn. In addition to its robust cash rewards, the card offers a generous $200 welcome bonus if you spend $500 within the first 3 months—an achievable goal for most users. New cardholders can also take advantage of a 0% introductory APR for 15 months on both purchases and balance transfers, providing financial breathing room for large expenses or consolidating existing credit card debt. There are no annual fees, meaning you won’t need to worry about overhead eating into your rewards. On top of that, cardholders benefit from Visa Signature® perks such as concierge service, travel protections, and access to exclusive events. Whether you’re a student, a frequent traveler, or a family shopper, the Active Cash® Card is a straightforward way to earn meaningful rewards on every dollar spent.
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Is there a limit to the 2% cash rewards?
No, there is no limit. You earn an unlimited 2% cash rewards on every purchase you make.
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Can I redeem rewards for anything besides cash?
Yes. You can redeem your rewards as a statement credit, direct deposit, gift cards, or for travel and merchandise through Wells Fargo’s Rewards site.
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Is there a foreign transaction fee?
Yes, the card charges a 3% fee on foreign transactions, so it’s not ideal for use outside the U.S.
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Will applying for this card affect my credit score?
Yes, Wells Fargo will perform a hard inquiry when you apply, which may temporarily lower your credit score by a few points.
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Is this card good for balance transfers?
Yes, it offers a 0% intro APR for 15 months on qualifying balance transfers made within the first 120 days, plus a 3% fee (minimum $5).
How to Apply for the Wells Fargo Active Cash® Card
Applying for the Wells Fargo Active Cash® Card is fast, easy, and accessible online. You can start the application process directly on the Wells Fargo website. Make sure to have your personal and financial information ready, including your Social Security Number, income, employment details, and housing costs. To qualify, Wells Fargo typically requires applicants to have good to excellent credit—generally a credit score of 670 or above. However, other factors such as income, existing debt, and your credit history with other financial institutions will also be evaluated. Once you complete the online form, you’ll receive a decision in minutes. If approved, your card should arrive within 7–10 business days. In some cases, additional verification may be required, which could extend the timeline. Existing Wells Fargo customers may have a smoother application experience, especially if applying through online banking. Keep in mind, applying for a new credit card will involve a hard inquiry, which may temporarily affect your credit score. After receiving your card, activate it immediately and consider enrolling in Wells Fargo Online or using the mobile app to manage your account, track rewards, and pay your bill on time.