Wells Fargo Active Cash earn a $200 welcome bonus after spending $500.
The Wells Fargo Active Cash® Credit Card offers a simple and rewarding way to earn cashback on every purchase. With a fixed 2% unlimited cash back, there’s no need to track rotating categories or worry about activation requirements.
New cardholders can earn a $200 welcome bonus after spending $500 in the first three months, providing an immediate boost in rewards. This makes it an excellent choice for those looking to maximize savings quickly.
Another standout feature is the 0% introductory APR on purchases and balance transfers for 12 months. This benefit allows cardholders to finance large purchases or consolidate existing debt without interest for the first year.
With no annual fee, the Wells Fargo Active Cash® Card is a strong option for anyone who wants straightforward, high-earning rewards and solid introductory perks. Keep reading to see how this card works and whether it fits your financial needs.
Wells Fargo Active Cash
0% APR fixed 2% unlimited cash backHow Does the Wells Fargo Active Cash® Card Work?
The Wells Fargo Active Cash® Card is designed to offer a seamless and straightforward way to earn rewards. With 2% unlimited cash back on every purchase, cardholders don’t need to track categories or activate bonus offers, making it ideal for everyday spending.
Cash back accumulates automatically and can be redeemed in multiple ways, including statement credits, direct deposits, or PayPal purchases. Unlike some rewards programs, cash back never expires as long as the account remains open, ensuring long-term value.
Using this card is simple—make purchases and earn rewards instantly. Whether you’re shopping, paying bills, or covering daily expenses, you consistently earn 2% cash back on everything, providing steady, effortless rewards.
This no-fuss structure makes it a great option for those who prefer simplicity over managing rotating bonus categories or complex redemption rules. Just spend, earn, and redeem at your convenience.
Main Benefits of the Wells Fargo Active Cash® Card
- No annual fee, allowing you to keep all the rewards you earn without extra costs.
- Unlimited 2% cash back on all purchases, eliminating the need to track categories or spending limits.
- $200 sign-up bonus after spending $500 in the first three months, offering an instant value boost.
- 0% introductory APR on purchases and balance transfers for 12 months, making it useful for large expenses or debt consolidation.
Cons of the Wells Fargo Active Cash Card
Despite its strong benefits, the Wells Fargo Active Cash Card has a few drawbacks. One of the main downsides is the 3% foreign transaction fee. If you travel internationally, this fee can add up quickly, making it less ideal for overseas spending.
Another factor to consider is the high APR after the introductory period. Once the 12-month 0% APR expires, the interest rate can rise to anywhere between 19.24% and 29.24%, depending on your creditworthiness.
Additionally, while the flat 2% cash back is solid, some other cards offer higher rewards in specific categories like dining, travel, or groceries. If you spend heavily in these areas, you might find better options with category-based reward structures.
Lastly, there is a 3% balance transfer fee. If you’re planning to transfer a balance from another card, this fee can reduce the overall savings, especially compared to cards that offer no-fee balance transfers.
You will be redirected.
APR and Fees
The Wells Fargo Active Cash Card offers a 0% intro APR on purchases and balance transfers for the first 12 months, making it a great choice for large purchases or debt consolidation.
After the intro period, the APR will shift to a variable rate between 19.24% and 29.24%, depending on your credit score. This is relatively high, so carrying a balance after the first year can become costly.
There is no annual fee, which makes this card an attractive option for budget-conscious users who want to earn rewards without paying extra. However, the 3% foreign transaction fee makes it less appealing for international use.
Additionally, balance transfers come with a 3% fee, with a minimum charge of $5. If you’re considering transferring a large balance, be sure to factor in this cost when calculating potential savings.
How to Apply for the Wells Fargo Active Cash Card
Applying for the Wells Fargo Active Cash Card is quick and straightforward. Simply visit the Wells Fargo website and complete the online application form.
You will need to provide personal details such as your name, address, Social Security number, and income information. These details help determine your eligibility and credit limit.
Once you submit your application, Wells Fargo typically provides a decision within minutes. If approved, your card should arrive within 7 to 10 business days. Once received, you can activate it online or over the phone and begin using it immediately.
Before applying, it’s a good idea to check your credit score. Wells Fargo generally requires a good to excellent credit score for approval. If you’re unsure where you stand, use a free credit check tool to assess your likelihood of approval before applying.
Conclusion
The Wells Fargo Active Cash Credit Card is an excellent choice for those who want a straightforward rewards card with a high cash-back rate. With unlimited 2% cash back on all purchases, it eliminates the hassle of tracking categories and activation requirements.
Its additional benefits, including the $200 sign-up bonus and 12-month 0% APR period, make it even more valuable. Plus, with no annual fee, it’s a cost-effective option for anyone looking to maximize rewards without extra costs.
However, this card may not be the best choice for international travelers due to its 3% foreign transaction fee. Additionally, if you plan to carry a balance after the introductory period, the high APR can become a disadvantage.
Overall, if you want a simple, high-earning cash-back card that rewards every purchase without restrictions, the Wells Fargo Active Cash is one of the best options available today.
Wells Fargo Reflect – How to Apply 
Wells Fargo Autograph – How to Apply