Wells Fargo Active Cash® Card review: Simple cash back rewards
Editors’ Take: This card offers a straightforward approach to earning cash back with no annual fee. Its 2% unlimited cash back makes it a good choice for everyday spending.
Image: hands-thumbs-upGreat for high flat-rate cash back
Image: cashAnnual fee: $0
The average credit score for members who have matched with this card or similar cards is 683
The average credit limit for members who have matched with this card or similar cards is $6,535
Explore more about this card:
Here’s the average credit limit of members who matched their Wells Fargo Active Cash® Card or similar cards.
% of members by credit limit range
The average credit limit for members who have matched with this card or similar cards is $6,535, with $3,000 being the most common.
Here’s the average credit score of members who matched their Wells Fargo Active Cash® Card or similar cards.
% of members by credit score range
The average credit score for members who have matched with this card or similar cards is 683, with 760 being the most common. Note this is just one of the deciding factors when it comes to getting approved.
This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.
Member stats
Updated daily
Image: low-utilization34.7%
Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.
Image: meetup44 years
Average age of members who matched this card or similar cards.
Image: cash-give-1$91,536
Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.
Pros and cons
Image: yesFlat 2% cash back rate on all purchases
Image: yesNo annual fee
Image: yesStrong sign-up bonus
Image: ConNo bonus categories for extra rewards
Image: ConForeign transaction fee
Wells Fargo Active Cash® Card review
Updated October 15, 2025
This date may not reflect recent changes in individual terms.
Written by: Sean McQuay
Is the Wells Fargo Active Cash® Card worth it?
The Wells Fargo Active Cash® Card offers a straightforward 2% cash back on all purchases along with a $0 annual fee and a strong sign-up bonus. This combination makes it an excellent option for people who prefer simplicity and want a single card for all purchases without worrying about bonus categories.
If you value no-hassle rewards and a high cash back rate, this card could be a great fit for you.
Wells Fargo Active Cash® Card at a glance
- Annual fee: $0
- Sign-up bonus: $200 cash rewards after spending $500 on purchases in the first 3 months of account opening
- Standout benefit: Visa Signature® Concierge can help you book tickets and travel and make dinner reservations
- Best rewards rate: 2% on all purchases
- Baseline rewards rate: 2% on all purchases
Wells Fargo Active Cash® Card best benefits and features
Strong sign-up bonus
You can earn a $200 sign-up bonus after spending $500 on eligible purchases within the first 3 months of account opening. This is a good sign-up bonus for a $0annual fee cash back card, particularly because of the low spending threshold to earn it.
Intro APR on purchases and balance transfers
The Wells Fargo Active Cash® Card offers a 0% introductory APR for 12 months from account opening on purchases and balance transfers. After the intro period ends, the ongoing APR for both purchases and balance transfers is a variable 18.99%, 23.99%, 28.99%.
Take note that 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).
This feature can be helpful if you have a large purchase you want to pay off over time without accruing interest, or if you want to transfer an existing balance from a higher-interest card to consolidate credit card debt.
But the intro period for this card is shorter than what some other cards offer, so if you transfer a balance or make a large purchase with this card, be prepared to pay it off before you’re hit with interest.
Cellphone protection
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. This provides a valuable safety net for a device that can be expensive to repair or replace.
What are the drawbacks of the Wells Fargo Active Cash® Card?
No bonus reward categories
Unlike other popular cash back credit cards, the Wells Fargo Active Cash® Card doesn’t offer additional categories for bonus rewards. So if you spend heavily in specific categories like dining or groceries, you might want to consider looking for a different card that has higher rewards rates on your most-frequent purchases.
Foreign transaction fee
If you want to take your card abroad to make purchases, keep in mind that you’ll pay a 3% foreign transaction fee on those transactions.
How to redeem your cash rewards
Another benefit of the Wells Fargo Active Cash® Card is that you have flexible options to redeem the rewards you earn:
- Statement credit
- Gift cards
- Paper check
- Direct deposit into a Wells Fargo checking or savings account if you’re an existing Wells Fargo customer
This flexibility allows for straightforward and practical use of rewards.
Other cards to consider
- Chase Freedom Unlimited®: This card offers good rewards on all purchases, with additional categories for bonus rewards.
- Blue Cash Preferred® Card from American Express: With a high rewards rate on groceries, this card is an excellent choice for families and frequent home cooks.
- Discover it® Cash Back: This card provides a lot of potential value for people willing to track and activate quarterly category changes.
Credit Karma’s methodology
At Credit Karma, our goal is to help you understand a card’s most important features — and where it may fall short compared to other options — so you can make an informed decision.
When we evaluate cash back cards, we consider the following factors:
- Welcome bonus
- Cash back rates in bonus categories
- Usefulness of bonus categories
- Spending caps on bonus categories
- Baseline cash back rate
- Rewards redemption options
- Rewards redemption restrictions
- Cash back expiration
- Annual fee
- Interest rates
- Unique benefits and perks
Looking at these aspects of the card helps us determine whether we’d recommend it to our members.
FAQs about the Wells Fargo Active Cash® Card
To qualify for the Wells Fargo Active Cash® Card, you’ll likely need strong credit. Most Credit Karma members who report having the Wells Fargo Active Cash® Card or similar cards have good or excellent credit scores.
But keep in mind that your credit scores are just one of many factors that Wells Fargo may look at when determining your eligibility.
Your credit limit will vary depending on your specific financial circumstances.
Credit Karma members who report having the Wells Fargo Active Cash® Card or similar cards have a variety of credit limits, with the most common range being up to $3,000.
The Wells Fargo Active Cash® Card doesn’t have bonus spending categories, and it has a 3% foreign transaction fee.
Member reviews
Most helpful positive review
January 8, 2024
Cash bonus and cash back
— Credit Karma Member
I got this card for the bonus. I started using it like a debit card to make all my monthly purchases and have been paying it off as I go. This month I earned over $50! I’m making it work for me. I just make sure there’s no balance due so I’ve never been charged interest.
Most helpful negative review
December 18, 2023
Not recommended
— Credit Karma Member
This card is a joke! I have excellent credit score and only approved me for 2,000. I wanted to use this card for a Balance transfer. Don’t waste your time!
*Approval Odds are not a guarantee of approval. Credit Karma determines Approval Odds by comparing your credit profile to other Credit Karma members who were approved for the card shown, or whether you meet certain criteria determined by the lender. Of course, there’s no such thing as a sure thing, but knowing your Approval Odds may help you narrow down your choices. For example, you may not be approved because you don’t meet the lender’s “ability to pay standard” after they verify your income and employment; or, you already have the maximum number of accounts with that specific lender.