Wells Fargo Active Cash® Card
Great for high flat-rate cash back
Annual fee: $0
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High cash back rate on all purchases
No annual fee
Wells Fargo Active Cash® Card review: Simple cash back rewards
Updated August 29, 2023
This date may not reflect recent changes in individual terms.
Written by: Sean McQuay
- High cash back rate on all purchases
- Sign-up bonus
- No annual fee
- No bonus category rewards rates
- Only basic redemption options
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.
Limited cash redemption options
You can redeem your cash 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 $500 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 20.24%, 25.24%, 29.99%.
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.
Updated: February 23, 2024
Most helpful positive review
July 4, 2022
Very generous cash back but inconvenient payout
— Credit Karma Member
The card has one of the most generous cash back of 2% on everything so if you just want a cash back card without juggling categories, this is for you. However, the rewards system is terrible. You have to accumulate at least $25 before you can receive the cash back, and the cash back is only in $25 increments. Which means if you have $30 banked in rewards, you can only cashout $25 and then $5 remain until you accrue at least $20 more.
Most helpful negative review
September 17, 2022
Like always Wells Fargo a BS bank
— Credit Karma Member
I have a 795 credit score and always pay every ccard monthly, I decide to try this WF 2% card because a saw it online This people have no common sense my AMEX Limit is 45K, capital one 32K and this people say that I got denied, I'll update the review in a few weeks to see what BS was
*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.