Wells Fargo Active Cash® credit card: Unlimited rewards, zero hassle
Looking for a credit card that gives you effortless cash rewards with no hoops to jump through? The Wells Fargo Active Cash® Credit Card might just be your match. With unlimited 2% cash rewards on purchases and no annual fee, it’s designed for simplicity and everyday value.
By: Zienic
Unlimited 2% Cash Rewards
Earn a flat 2% cash back on every purchase — no categories, no limits.
No Annual Fee
All the perks, none of the cost. Enjoy your rewards without paying to keep the card.
Welcome Bonus
Get a $200 cash rewards bonus after spending $500 in the first 3 months.
0% Intro APR
Enjoy a 0% intro APR for 15 months on purchases and balance transfers (then a variable APR applies).
Why the Wells Fargo Active Cash® Card is a Top Pick
When it comes to cashback credit cards, the Wells Fargo Active Cash® stands out by keeping things refreshingly simple. Instead of juggling rotating categories or activating quarterly rewards, you get a straightforward 2% back on everything you buy. Whether you’re buying groceries, paying bills, or shopping online, your rewards stack up effortlessly. Another big win? That welcome offer. Spend just $500 in the first three months and you’re rewarded with a $200 cash bonus — that’s like getting 40% back on your first purchases. Combine that with no annual fee and a lengthy 0% intro APR on both purchases and balance transfers, and this card becomes a smart choice for both everyday spenders and those looking to manage existing debt. Plus, with added perks like cell phone protection and access to Visa Signature benefits, you're getting more than just cash rewards. If you want a card that works hard without making you work harder, the Active Cash® is worth a serious look.
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What credit score is needed for the Wells Fargo Active Cash® Card?
You’ll generally need a good to excellent credit score — usually 670 or higher.
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Is there a limit to how much cash back I can earn?
Nope! You earn unlimited 2% cash rewards on all eligible purchases.
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Does the Wells Fargo Active Cash® Card have an annual fee?
No, there’s no annual fee at all.
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How do I redeem my cash rewards?
You can redeem rewards as a statement credit, direct deposit, or at ATMs if you have a Wells Fargo debit card.
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Can I transfer balances from other cards?
Yes! The card offers a 0% intro APR for 15 months on qualifying balance transfers made within 120 days of account opening.
How to Apply for the Wells Fargo Active Cash® Credit Card
Applying for the Wells Fargo Active Cash® Credit Card is quick and easy — and you can do it entirely online. Before applying, make sure you meet the basic requirements: a good to excellent credit score (typically 670+), U.S. residency, and being at least 18 years old. You’ll need to provide personal information like your full name, address, Social Security number, and income details. Wells Fargo typically gives an instant decision, but in some cases, they may request additional information or take a few days to process your application. If approved, you’ll receive your card by mail in 5-7 business days. From there, you can activate it online or through the Wells Fargo mobile app and start earning unlimited 2% cash back right away. Already a Wells Fargo customer? The process may be even quicker, especially if you apply through your online banking account. Want to boost your approval chances? Make sure your credit reports are accurate, pay down existing balances, and avoid applying for multiple cards at once. Bottom line: If your credit is in good shape and you're looking for straightforward cash rewards, applying for the Wells Fargo Active Cash® is a no-brainer.