Wells Fargo Active Cash Card
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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
$200 cash rewards once $500 of spend posts within your first 3 months. No annual fee.
- Annual fee
- No annual fee
Welcome offers change often and can differ by application channel. Verify the current offer with the issuer before you apply.
Earning Rates
Earning rates
2My Wells Fargo Deals: enrolled cardholders get access to personalized merchant-funded offers that post as cash back to your account credit when you shop, dine, or enjoy an experience using your eligible Wells Fargo card; deals must be activated and cash back posts as an account credit on the eligible card
My Wells Fargo Deals restriction: if you pay through a digital wallet or a third-party provider, or if the merchant uses a mobile or wireless card reader, you may not fulfill the deal requirements to receive the cash back (per the My Wells Fargo Deals Terms and Conditions on the issuer page)
Statement credits
3- $20Redemption options
Redemption options: redeem as a statement credit applied to your outstanding balance, as a deposit into an eligible Wells Fargo deposit account, as cash at a Wells Fargo ATM in $20 increments using your Wells Fargo debit or ATM card, toward eligible purchases (Redeem for Purchases), or for gift cards — all at 1 cent per point with no minimum redemption threshold for statement credit
- Statement credit redemptions post to your account in 5 to 7 business days, and you are still required to make at least your minimum monthly payment when redeeming as a statement credit (per Wells Fargo's redemption disclosures)
- $25Visa Signature Luxury Hotel Collection
Visa Signature Luxury Hotel Collection: complimentary room upgrade upon arrival when available, complimentary in-room WiFi, complimentary daily breakfast for two, $25 food or beverage credit, late check-out upon request, and VIP guest status at 900+ properties when booked through VisaSignatureHotels.com or the Visa Signature Concierge
Perks & memberships
1- Concierge24/7 Visa Signature Concierge: complimentary concierge service available around the clock to help purchase tickets to sports and entertainment events, book travel, make dinner reservations, and more (cardholder is responsible for the cost of any goods or services arranged by the concierge; Visa is not a party to the transaction)
Travel & purchase protections
10- Cell Phone Protection: up to $600 in protection against damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Active Cash Card; subject to a $25 deductible per claim, with a maximum of two paid claims per 12-month period (per Wells Fargo's Cell Phone Protection benefit terms)
- Cell Phone Protection covers the primary line and additional lines listed on your monthly cellular telephone bill paid with the Active Cash; coverage starts the month after you first pay your wireless bill with the card and excludes loss (other than theft) and damage that is purely cosmetic
- Visa Signature benefits package: Active Cash is issued on the Visa Signature tier, which unlocks the Visa Signature Concierge, Visa Signature Luxury Hotel Collection, Visa Signature sports and entertainment access, Roadside Dispatch, Auto Rental Collision Damage Waiver (secondary), Travel and Emergency Assistance Services, and Lost Luggage Reimbursement
- Roadside Dispatch: pay-per-use roadside assistance available 24/7 with no membership required; one flat per-service rate covers standard towing up to 5 miles, tire changing (good spare required), jump starts, lockout service (no key replacement), fuel delivery (cost of fuel separate), and standard winching — call 1-800-847-2869 to dispatch
- Auto Rental Collision Damage Waiver: secondary coverage when you decline the rental company's collision insurance and charge the entire rental cost to your Active Cash card; coverage is secondary to any other applicable insurance and applies to most rental vehicles in the U.S. and abroad
- Travel and Emergency Assistance Services: 24-hour access to legal and medical referrals and other travel and emergency assistance services while traveling away from home (cardholder is responsible for the cost of any actual medical, legal, transportation, cash advance, or other services or goods provided)
- Lost Luggage Reimbursement: Visa Signature benefit that reimburses you and immediate family members for the value of luggage or contents that are lost or damaged by a common carrier, when the full fare for the trip is charged to the Active Cash card (subject to Visa Signature program limits documented in the cardholder benefits guide)
- 24/7 fraud monitoring: Wells Fargo monitors your account for unusual purchases and will alert you if suspected fraud is detected; cardholders can report fraud at any time through the Wells Fargo Mobile app, online banking, or by phone
- $0 Liability Protection: you are not liable for promptly reported unauthorized charges made with your card or account information (per Wells Fargo's Zero Liability Protection terms)
- Outside the U.S., cardholders can call collect at 1-804-673-1675 for cardholder services and emergency assistance
More benefits & fine print (3)ShowHide
- Cash rewards do not expire as long as your account remains open (per Wells Fargo's Active Cash benefits disclosures); unredeemed rewards are forfeited if the account is closed
- Foreign transaction fees: 3% of each transaction converted to U.S. dollars (per Wells Fargo's Active Cash terms; this makes Active Cash a poor choice for purchases outside the United States compared with no-foreign-tx-fee cards like Capital One Venture or Chase Sapphire Preferred)
- Emergency card replacement and emergency cash advance: cardholders traveling can request an emergency card replacement or emergency cash advance, with the replacement card or cash advance disbursed within one to three business days (in some cases within 24 hours) after issuer approval; standard cash advance fees and interest charges apply to any emergency cash advance
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See the Current Offer
Earn $200 cash rewards
View OfferAffiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
