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Wells Fargo Active Cash® Card

Updated:

Image of the Wells Fargo Active Cash CardImage: Image of the Wells Fargo Active Cash Card

388 reviews from Intuit Credit Karma members

2.7

Rating: 2.5 out of 5.
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Great for high flat-rate cash back

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Annual fee: $0

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

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37.1%

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.

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43 years

Average age of members who matched this card or similar cards.

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$82,124

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.


Card highlights

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High cash back rate on all purchases

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Sign-up bonus

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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


Pros


Cons



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.



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.



Member reviews

Updated: February 23, 2024

Overall rating:

2.7

Rating: 2.5 out of 5.

388 reviews from Intuit Credit Karma members

Most helpful positive review

July 4, 2022

Rating: 4 out of 5.

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

Rating: 1 out of 5.

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

All member reviews


*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.