thumb_up Why You’ll Love the Wells Fargo Active Cash® Credit Card

This card is designed for maximum simplicity and steady value. With unlimited 2% cash rewards, every swipe adds up quickly, no matter the category. There’s no annual fee, so your earnings aren’t eaten up by maintenance costs. You’ll also enjoy a $200 welcome bonus when you meet the low spending threshold, plus 0% intro APR for 15 months—ideal for paying off larger purchases over time.

• done Unlimited 2% cash rewards on all purchases
• done No annual fee
• done $200 welcome bonus after spending $500 in the first 3 months
• done 0% intro APR for 15 months on purchases and balance transfers

thumb_down A Few Things to Keep in Mind

While the Wells Fargo Active Cash® Credit Card is packed with perks, it might not be the best fit for everyone. It lacks category-specific bonuses, so if you spend heavily in areas like travel or groceries, other cards might offer higher returns. There’s also a foreign transaction fee, making it less ideal for international use. Additionally, the intro APR reverts to a variable rate after 15 months, which can be steep.

• close No bonus categories for higher rewards
• close 3% foreign transaction fee
• close Limited travel-related benefits

help How to Apply for the Wells Fargo Active Cash® Credit Card

Getting your hands on the Wells Fargo Active Cash® Credit Card is easy and quick. You can apply online through the Wells Fargo website or visit a nearby branch if you prefer in-person support. The process typically takes just a few minutes. Make sure to have your personal information, employment details, and income ready. If you’re already a Wells Fargo customer, logging in can help streamline the application. Once submitted, most applicants receive a decision instantly. If approved, you’ll receive your card in the mail within 7–10 business days and can start earning rewards right away.

1. Visit the official Wells Fargo website or go to a local branch.
2. Navigate to the Wells Fargo Active Cash® Credit Card page.
3. Click “Apply Now” and begin the application form.
4. Enter personal details (name, address, SSN, income, etc.).
5. Review terms and submit the application.
6. Wait for an approval decision—often provided instantly.

With backing from Wells Fargo, one of the most recognized names in banking, you can trust that this card delivers on reliability and service. It’s a smart option for both newcomers to credit and seasoned users who prefer a set-it-and-forget-it style of cash back. If you’re looking for simplicity, value, and solid perks, the Wells Fargo Active Cash® Credit Card checks all the boxes.