Wells Fargo Active Cash®: Simple Cash Rewards
Explore unlimited 2% cash rewards, the $0 annual fee and other card features. See the main costs and conditions to consider before applying.
Unlimited 2% Cash Rewards
Earn 2% cash rewards on net purchases. There are no rotating spending categories to activate or track, and eligible cash rewards can be earned without a set limit.
No Annual Fee
The Active Cash® Card has a $0 annual fee. Other costs can still apply, including interest, balance transfer, cash advance, foreign transaction and late payment charges.
Introductory APR Period
The current offer includes 0% introductory APR for 15 months from account opening on purchases and qualifying balance transfers. Conditions and transfer fees apply.
Cell Phone Protection
Eligible cardholders may receive Cellular Telephone Protection when the monthly wireless bill is paid with the card. Coverage limits, a deductible and exclusions apply.
How the Wells Fargo Active Cash® Card Works
The Wells Fargo Active Cash® Card uses a straightforward rewards structure. Cardholders earn 2% cash rewards on net purchases, without needing to activate rotating categories. Cash advances, balance transfers, fees and certain other transactions do not earn these rewards under the rewards program.
The card has a $0 annual fee. Its current terms also include a 0% introductory APR period for purchases and qualifying balance transfers. Balance transfers must meet the issuer's conditions, and a transfer fee applies to eligible transferred balances.
After the introductory period, a variable APR applies according to the account terms and creditworthiness. Other charges may also apply, so the rewards rate should be considered together with the complete cost of using the card for your planned spending.
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The card earns 2% cash rewards on net purchases. Eligible cash rewards can be earned without a set rewards limit.
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No. Wells Fargo lists a $0 annual fee for the Active Cash® Card. Interest and other transaction or penalty fees may still apply.
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The current offer includes 0% introductory APR for 15 months from account opening on purchases and qualifying balance transfers. Review the current terms before applying.
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Eligible cardholders may receive Cellular Telephone Protection after paying the monthly wireless bill with the covered card. Coverage limits, exclusions and a deductible apply.
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No. The 2% rate applies to net purchases. Balance transfers, cash advances, fees, interest and certain other transactions do not earn cash rewards.
What to Check Before Applying
Consider how much of your regular spending would qualify for 2% cash rewards and compare the potential rewards with the card's other costs. Although there is no annual fee, interest and transaction fees can affect the total cost of carrying your balance.
Review the introductory APR period and the variable APR that can apply afterward. If you plan to transfer a balance, also consider the transfer fee and the deadline required to qualify for the introductory terms on eligible balance transfers.
Approval is not guaranteed and is subject to Wells Fargo's credit qualification and review. Read the issuer's current disclosures, rewards terms, rates and fees before deciding whether the card fits your financial needs and your spending habits.