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If you want a simple and valuable cash-back credit card, the Wells Fargo Active Cash® Card could be your best option.
It gives unlimited 2% back on every purchase, a $200 sign-up bonus, and 0% intro APR — all without tricky reward rules or categories.
Why Choose the Wells Fargo Active Cash® Card?
While many cash-back cards limit rewards with rotating categories or caps, this one keeps it easy: Get 2% unlimited cash back on every single purchase. From groceries to gas or travel, you always earn the same great rate.
$0
2%
$200
690-850 (Good – Excellent)
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Product Details
- Earn a $200 cash rewards bonus after spending $500 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. 20.24%, 25.24%, or 29.99% Variable APR thereafter; 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.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations, and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
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Our Take
Pros:
- Unlimited 2% cash rewards on purchases
- Earn a $200 cash rewards bonus*
- $0 annual fee
- Cell phone protection benefit
Cons:- There’s a balance transfer fee
- There’s a foreign transaction fee
- No travel transfer partners
Key Benefits:
- Earn unlimited 2% cash back on every purchase with no category limits.
- Get a $200 bonus when you spend $500 within your first 3 months.
- Enjoy 0% intro APR for 12 months on buys and balance transfers.
- No annual fee — you keep all your earned rewards.
- Includes phone protection when paying your bill with the card.
- Comes with Visa Signature benefits like concierge and hotel offers.
Maximize Your Cash Back
How To Earn Rewards:
- Earn a flat 2% cash back on all your purchases — no rotating categories.
- No earning limits — your rewards grow with your spending.
- Your rewards don’t expire as long as your account stays open.
How To Redeem Cash Back:
- Apply rewards as a statement credit to lower your balance.
- Withdraw as cash at Wells Fargo ATMs in $20 increments.
- Transfer cash back to a Wells Fargo checking or savings account.
- Opt for a paper check if you prefer receiving physical payment.
Intro APR & Fees
- 0% introductory APR on purchases and balance transfers for 12 months.
- After the intro, a variable APR of 19.24%, 24.24%, or 29.24% applies.
- Balance transfer fee: 3% within 120 days, then 5% afterward.
- No annual fee, helping you save more while earning cash back.
Who Should Get This Card?
This card is perfect for:
- Everyday spenders who prefer a flat-rate 2% on all purchases.
- People seeking a $200 welcome bonus with low spending requirement.
- Those needing a 0% APR period to manage large buys or consolidate balances.
- Anyone wanting easy, straightforward rewards with no tracking needed.
Extra Perks and Protections
- Cell phone protection up to $600 when you pay your bill with the card.
- Visa Signature benefits, including concierge service, purchase security, and more.
- Fraud monitoring and real-time alerts for extra peace of mind.
- Contactless payments and compatibility with major digital wallets.
Frequently Asked Questions
1. Does the Wells Fargo Active Cash® Card have an annual fee?
No. This card comes with no annual fee, so all your cash back goes to you.
2. What is the welcome bonus for new cardholders?
You earn a $200 cash reward after spending $500 in the first 3 months.
3. What is the introductory APR offer?
Enjoy 0% intro APR for 12 months on purchases and balance transfers.
4. How can I redeem my cash back?
You can redeem as a statement credit, ATM withdrawal, bank transfer, or mailed check.
5. Can I use this card for balance transfers?
Yes. It supports balance transfers with promotional fees for the first 120 days.
6. Is this card good for international travel?
Yes. It’s a Visa Signature card, widely accepted worldwide, but note that foreign transaction fees may apply (confirm with issuer).
7. What credit score is needed to qualify?
Applicants typically need good to excellent credit (around 670+ score).
8. Does this card have rotating bonus categories?
No. You earn 2% on all purchases, with no category tracking needed.
9. How does this card compare to other cash-back cards?
It’s among the best for flat-rate rewards, especially with no annual fee and simple terms.
10. Does this card offer travel insurance or purchase protection?
Yes. It includes purchase protection, extended warranty, and travel assistance via Visa Signature.
The Best Simple Cash-Back Card For Everyday Spending
The Wells Fargo Active Cash® Card is a powerful choice for those who value simplicity and consistent rewards. With unlimited 2% cash back, a generous $200 bonus, and 0% APR for 12 months, it stands out as one of the most accessible and rewarding options for everyday use.
You don’t need to worry about rotating categories or complex terms. Just use your card, earn consistently, and enjoy all the extras — without fees or hassle.