Wells Fargo Active Cash® Card review: Simple cash back rewards

Female couple relaxing on the couch, doing some online shopping with their Wells Fargo Active Cash credit card.Image: Female couple relaxing on the couch, doing some online shopping with their Wells Fargo Active Cash credit card.
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Pros

  • High cash back rate on all purchases
  • Sign-up bonus
  • No annual fee

Cons

  • No bonus category rewards rates
  • Only basic redemption options
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Wells Fargo Active Cash® Card

3.6 out of 5

From cardholders in the last year

See details, rates & fees

Wells Fargo Active Cash® Card: What you need to know

The Wells Fargo Active Cash® Card is a straightforward cash back rewards card that offers a flat cash back rate on all purchases, plus a sign-up bonus and a $0 annual fee. This unique combination makes this card a great choice for people who want to streamline their wallet and have just one easy-to-use card.

No-hassle rewards at a high flat rate

The Wells Fargo Active Cash® Card offers a 2% flat cash back rewards rate. Another small perk of this rewards rate: You’ll always earn your 2% cash back upfront, unlike the Citi® Double Cash Card, which offers 1% back at the time of purchase and another 1% when you pay it off. Wells Fargo Active Cash® Card simplifies that approach, ensuring you earn all of your rewards upfront.

Limited redemption options

You can redeem your rewards to cover recent purchases that you made on the card, or you can use your rewards to get gift cards in $25 increments. If you’re an existing Wells Fargo banking customer, you may also be able to redeem your points for a statement credit on a qualifying Wells Fargo credit card, checking account or mortgage account — or you can take out rewards as cash in $20 increments using your Wells Fargo debit card or ATM card.

Strong sign-up bonus

The Wells Fargo Active Cash® Card offers $200 in cash rewards after new cardholders spend $1,000 on eligible purchases in the first 3 months after account opening. The bonus helps this card stand out.

No annual fee

The Wells Fargo Active Cash® Card doesn’t charge cardholders an annual fee. That means you don’t need to worry about earning enough rewards on the card to recoup costs.

What else you need to know about the Wells Fargo Active Cash® Card

If you’re considering adding the Wells Fargo Active Cash® Card to your wallet, here are a few more things to keep in mind.

  • Cellphone protection worth up to $600 — If you use your card to pay your cellphone bill, you can get protection from damage and theft not covered by other insurance, after paying a $25 deductible.
  • Intro APR offer — Wells Fargo Active Cash® Card offers 0% intro APR for the first 15 months from account opening on both purchases and balance transfers. Balance transfers must be requested within 120 days of account opening, and you’ll pay a balance transfer fee: 3% for 120 days from account opening, then up to 5%; minimum: $5. After the intro periods end, the ongoing APR for both purchases and balance transfers is a variable 17.99%, 22.99%, or 27.99%.

Who this card is good for

The Wells Fargo Active Cash® Card may be a good fit for people who like a simple way to earn cash back on all purchases. If you’re someone who doesn’t want to think too much about which card to use for specific purchases in order to earn points, then this card might be something you want to consider.

Not sure this is the card for you? Consider these alternatives.

The Wells Fargo Active Cash® Card is a great all-around card, but if you’re looking for something more specialized, here are some additional cards to consider.


About the author: Sean McQuay is a long-time personal finance nerd. He’s passionate about budgets, credit cards, and earning useful rewards with minimal effort. He lives in the San Francisco Bay Area and is a father to three rambunctious kids. Read more.