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Wells Fargo · Credit cards

Wells Fargo Active Cash Card

Unlimited 2% cash rewards on purchases with $0 annual fee and cell phone protection up to $600.

$0/yrAnnual fee

Not financial advice. Annual fees, APRs, bonuses and credits change. Confirm current terms with the issuer before you apply.

Compare with another product →Explore the specs
Annual fee
$0
Rewards rate
Unlimited 2% cash rewards on purchases

A closer look.

Reasons to choose it

  • Unlimited 2% flat cash rewards on all purchases with no categories to track
  • Up to $600 cellular telephone protection against damage or theft (subject to $25 deductible)
  • 0% intro APR on purchases and qualifying balance transfers for 15 months

Worth considering

  • 3% foreign transaction fee
  • Lacks bonus multiplier categories for high spenders in dining or travel

Put it next to your other option.

15 published comparisons feature this product.

Choose another product →
Credit cards8 differences

American Express Gold Card

$325/yr

Wells Fargo Active Cash Card

$0/yr

Compare the differences
Credit cards9 differences

The Platinum Card from American Express

$695/yr

Wells Fargo Active Cash Card

$0/yr

Compare the differences
Credit cards7 differences

Bilt World Elite Mastercard

$0/yr

Wells Fargo Active Cash Card

$0/yr

Compare the differences
Credit cards7 differences

Capital One SavorOne Cash Rewards

$0/yr

Wells Fargo Active Cash Card

$0/yr

Compare the differences

Full specifications

Fees & Rates

Annual fee
$0
Regular APR
20.24%, 25.24%, or 29.99% Variable APR
Foreign transaction fee
3% of each transaction in U.S. dollars
Late fee
Up to $40

Rewards & Perks

Rewards rate
Unlimited 2% cash rewards on purchases
Sign-up bonus
$200 cash rewards bonus after spending $500 in purchases in the first 3 months
Intro APR offer
0% intro APR for 15 months from account opening on purchases and qualifying balance transfers
Lounge access
No

Card Details

Credit neededOur summary
Good to Excellent (670–850)
Network
Visa Signature
Card figures are from issuer materials and go stale. Credit-needed bands are our summary.Official Wells Fargo Active Cash Card terms (opens in a new tab)

Catalog snapshot: September 1, 2026. Published specifications, not independent lab tests.

View the official source ↗

Credit-card figures are from issuer materials and go stale. This is not an offer to lend, not financial advice, and not a recommendation to apply. Verify every fee, APR, bonus and credit on the issuer's site.

Keep your options open

Also worth a look.

Discover

Discover it Cash Back

No-annual-fee rewards card offering 5% cash back in quarterly rotating categories, 1% on all other purchases, and an unlimited dollar-for-dollar Cashback Match in your first year.

$0/yrAnnual fee
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A few common questions.

How much does Wells Fargo Active Cash Card cost?

Wells Fargo Active Cash Card has an annual fee of $0/yr (catalog snapshot as of 2026-09-01). This is based on published issuer terms and is not a live financial offer.

What are Wells Fargo Active Cash Card’s key specs?

Key specifications for Wells Fargo Active Cash Card include annual fee ($0) and rewards rate (Unlimited 2% cash rewards on purchases).

What does Wells Fargo Active Cash Card compare against?

Wells Fargo Active Cash Card is compared head to head against American Express Gold Card vs Wells Fargo Active Cash Card, The Platinum Card from American Express vs Wells Fargo Active Cash Card, Bilt World Elite Mastercard vs Wells Fargo Active Cash Card, Capital One SavorOne Cash Rewards vs Wells Fargo Active Cash Card, Capital One Venture Rewards Credit Card vs Wells Fargo Active Cash Card, and Capital One Venture X Rewards vs Wells Fargo Active Cash Card.