View OfferSecure site · Updated July 2026
- Intro bonus
- $200 cash
- Rewards rate
- 2% cash back
- Annual fee
- $0
- Intro APR
- 0% for 12 months
Why it stands out
Wells Fargo Active Cash highlights
- $200 cash rewards bonus after $500 spend in 3 months
- Unlimited 2% cash back on all purchases
- 0% intro APR for 12 months on purchases and transfers
- Cell phone protection when you pay your bill with the card
The verdict at a glance
Pros and cons
Pros
- No categories, no caps, no annual fee
- Long intro APR window helps with a big planned purchase
- Redeem as statement credit, cash, or at the ATM
Cons
- 3% balance transfer fee, rising to 5% after 120 days
- No transfer partners or premium travel perks
- Foreign transaction fee of 3% on overseas spending
Our full review
Our take on Wells Fargo Active Cash
A flat 2% cash back on everything with no annual fee is hard to argue with, and the 0% intro APR runs a full 12 months on purchases and balance transfers. Rewards never expire as long as the account stays open.
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Figures shown are illustrative editorial examples and may change. Confirm current rates, fees, and terms on Wells Fargo Active Cash’s own site before you apply.
The alternatives
How Wells Fargo Active Cash compares
Other top-rated cards in Credit Cards. Compare the numbers side by side before you decide.
| # | Provider | Rating | Intro bonus | Best for | |
|---|---|---|---|---|---|
| 1 | Chase Sapphire Preferred | 60,000 points | Travelers who want outsized point value | View Offer | |
| 2 | Capital One Venture Rewards | 75,000 miles | Flat-rate earners who hate juggling categories | View Offer | |
| 3 | Discover it Cash Back | Cashback Match year 1 | Category chasers who want zero fees | View Offer | |
| 4 | Citi Double Cash | $200 after $1,500 spend | Disciplined payers chasing steady cash back | View Offer |
- Chase Sapphire Preferred4.9Best for Travelers who want outsized point value
- Capital One Venture Rewards4.7Best for Flat-rate earners who hate juggling categories
- Discover it Cash Back4.6Best for Category chasers who want zero fees
- Citi Double Cash4.3Best for Disciplined payers chasing steady cash back