For simple cash back and clear terms, Wells Fargo Active Cash® Credit Card gives you both.
You earn unlimited 2% cash rewards on purchases.
You apply online with a short form and a standard credit check. Read the pricing terms before you submit.
What You Get From Wells Fargo Active Cash® Credit Card
Flat 2% cash rewards on every purchase. No rotating categories. No activation.
You also get a $200 cash-rewards bonus after $500 in purchases within the first 3 months. There is a $0 annual fee. These are the headline benefits.
Cell phone protection when you pay your monthly wireless bill with the card. Coverage is up to $600 per claim with a $25 deductible.
Additional Benefits
Visa benefits such as Auto Rental Collision Damage Waiver and Travel & Emergency Assistance Services, subject to each program’s terms.
My Wells Fargo Deals for targeted merchant offers that credit back to your statement when you activate and meet the offer terms.
Flexible redemption for statement credits or eligible Wells Fargo accounts. Rewards do not expire as long as your account remains open.
Rates and Key Fees
Read this section closely before you apply. These numbers affect your total cost.
- Purchase APR: 0% intro for 12 months, then a variable APR (typical tiers publish around the high-teens to high-20s; your actual APR depends on credit).
- Balance transfer APR: 0% intro for 12 months, then the same variable APR as purchases.
- Balance transfer fee: Intro $5 or 3% (whichever is greater) for transfers made within the first 120 days; after that, up to 5%, minimum $5.
- Cash advance APR: typically around 29.99% variable.
- Cash advance fee: $10 or 5% (whichever is greater).
- Foreign transaction fee: 3% of each transaction in U.S. dollars.
- Late fee: up to $40.
- Minimum interest charge (if assessed): $1.00.
Terms and pricing can change. Always review the current “Important Credit Terms” on the application page before you proceed.
Who Wells Fargo Active Cash® Credit Card Fit
Choose this card if you want predictable cash back with no categories. You prefer a $0 annual fee and a simple setup.
You plan to use the 12-month intro APR on a new purchase or a planned balance transfer and then pay it off.
You do not want foreign transaction fees; if you travel abroad often, note the 3% surcharge and consider a no-FTF companion card for trips.
How to Apply For Wells Fargo Active Cash® Credit Card
Check the APR ranges, fees, transfer window, and the $200 bonus rules. Confirm you understand how the 3-month spending requirement works.
If you opened another Wells Fargo-branded consumer credit card recently, you may not qualify for a new one.
Also note that you may be ineligible for the Active Cash® intro APR, fees, or bonus if you currently have this card or opened it within a recent lookback window.
- Start the online application. Provide your legal name, address, SSN or ITIN, income, housing status, and contact info. The bank verifies your identity under federal KYC rules.
- Decide on a balance transfer. You can request a transfer during the application or after approval in Wells Fargo Online. To lock in the intro APR and intro transfer fee, submit the transfer within 120 days of account opening.
- Submit and wait for a decision. Many applicants receive an instant response. If the bank needs more info, it may request documents or take extra time to review.
- Activate and set up autopay. When the card arrives, activate it and set autopay for at least the statement balance. This helps you avoid late fees and interest.
- Enable security features. Turn on alerts. Add the card to your mobile wallet. Use account monitoring to track transactions.
- Use the card for your wireless bill if you want cell phone protection. Read the Guide to Benefits to understand covered incidents, deductibles, and limits.
- Enroll in My Wells Fargo Deals. Activate any offers you want, then use the card per the offer terms to earn statement credits.
- Redeem rewards. Apply cash rewards to your statement or move them to an eligible Wells Fargo account. Track your rewards balance in the app.
Practical Tips to Get The Most Value
Put everyday spending on the card to capture the flat 2%. Avoid cash advances because of the high APR and fees.
If you plan a large purchase, use it early in the 12-month intro window and pay it off before the promo ends.
For international trips, consider a no-foreign-transaction-fee card; use Active Cash® at home to keep the 2% going.
Pay your wireless bill with the card if you want the cell phone protection and understand the $600 per claim cap and $25 deductible.
Wells Fargo Active Cash® — Pros & Cons
Pros
- Unlimited 2% cash rewards on every purchase
- $0 annual fee
- $200 welcome offer after $500/3 months
- 0% intro APR for 12 months (purchases & qualifying balance transfers within 120 days)
- Cell phone protection (up to $600/claim; $25 deductible)
- Easy redemptions + My Wells Fargo Deals offers
Cons
- 3% foreign transaction fee
- No bonus categories above 2% or premium travel perks
- Balance transfer fee (3% intro, then up to 5%, $5 min)
- High cash-advance APR/fee
- Eligibility limits if you’ve opened a recent Wells Fargo card
- Benefits/terms can change; coverage has exclusions and caps
Contact Wells Fargo
Credit Card Account Management (24/7): 1-800-642-4720
Application Status (Visa credit cards, 24/7): 1-800-967-9521
International (collect): 1-925-825-7600
Credit Card Mailing Address: Wells Fargo Card Services, P.O. Box 51193, Los Angeles, CA 90051-5493
Bottom Line
The Wells Fargo Active Cash® gives you 2% on everything, a $0 annual fee, and a 12-month intro APR for purchases and qualifying balance transfers.
Use autopay, avoid cash advances, and consider a separate no-FTF card for travel. If these points match your needs, this card is a strong, simple choice.
Disclaimer: All pricing, fees, and benefits can change at any time. The APR you receive depends on your credit profile and the U.S. Prime Rate. Cell phone protection and Visa benefits are subject to specific terms, exclusions, and claims processes in the Guide to Benefits. Always review the current Important Credit Terms and your cardmember agreement before you apply or use the card.
