Wells Fargo Active Cash Card

Earning Rates

Key Benefits

All Benefits

• New cardmember welcome offer: earn a $200 cash rewards bonus when you spend $500 in purchases in the first 3 months from account opening (offer for new cardmembers per the Wells Fargo Active Cash product page)
• $0 annual fee on the primary card (Wells Fargo does not charge an annual fee on the Active Cash; the card was named 5X winner of NerdWallet's Best No Annual Fee Card, Best Overall Credit Card, and Best Overall Cash Back Credit Card)
• Unlimited 2% cash rewards on every eligible purchase, every time — earned for every $1 spent in net purchases (purchases minus returns/credits), with no rotating categories, no quarterly activation, and no cap on the 2% earn rate (per Wells Fargo's Active Cash product page)
• Bonus categories: Not offered on Active Cash beyond the flat 2% on everything (Wells Fargo positions Active Cash as its flat-rate cashback card; the tiered 3%/1% structure belongs to the Wells Fargo Autograph, not Active Cash)
• 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
• 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)
• Transfer partners and points-to-miles transfers: Not offered on Wells Fargo Active Cash (Active Cash earns flat cash rewards, not transferable points; the Wells Fargo Rewards program on Active Cash does not include any airline or hotel transfer partners — that program is reserved for cards like the Autograph Journey)
• 0% intro APR for 12 months from account opening on purchases and on qualifying balance transfers; after the intro period a variable APR of 18.49%, 24.49%, or 28.49% applies based on creditworthiness (per the Wells Fargo Active Cash product page as fetched on 2026-05-23)
• Balance transfers made within 120 days of account opening qualify for the intro 0% APR and the intro balance transfer fee; balance transfers made after the 120-day window are charged the standard balance transfer fee and the standard variable APR
• Balance transfer fee: introductory balance transfer fee of 3% for 120 days from account opening, then up to 5% with a $5 minimum thereafter (per Wells Fargo's Active Cash terms and conditions; verify exact post-intro fee in the cardholder agreement you receive)
• 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)
• 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
• My 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)
• 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
• 24/7 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)
• 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
• 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)
• 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
• Outside the U.S., cardholders can call collect at 1-804-673-1675 for cardholder services and emergency assistance
• Penalty APR: Not assessed on the Wells Fargo Active Cash Card (per Wells Fargo's pricing and terms, the Active Cash does not impose a penalty APR for late or returned payments — your purchase APR will not be increased as a result; this matches the issuer's product positioning and is consistent across Wells Fargo's consumer rewards cards)
• Mobile wallet support: add the Active Cash to Apple Pay, Google Pay, and Samsung Pay; the physical card supports contactless tap-to-pay via the Visa contactless symbol (Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC)
• Trip cancellation and trip interruption insurance: Not offered on the Wells Fargo Active Cash Card (Wells Fargo does not list trip cancellation/interruption as an Active Cash benefit; this coverage is reserved for higher-end Wells Fargo travel products like the Autograph Journey, not Active Cash)
• Trip delay reimbursement and baggage delay insurance: Not offered on the Wells Fargo Active Cash Card (Active Cash's Visa Signature tier provides Lost Luggage Reimbursement but does not include the trip delay or baggage delay reimbursement benefits, which sit on the Visa Infinite tier and on premium travel cards)
• Purchase Protection: Not offered on the Wells Fargo Active Cash Card (Wells Fargo's Active Cash product page does not list purchase protection coverage for new purchases against damage or theft — a notable gap versus Chase Freedom Unlimited's 120-day / $500-per-claim purchase protection)
• Extended Warranty Protection: Not offered on the Wells Fargo Active Cash Card (Wells Fargo does not extend the manufacturer's U.S. warranty on Active Cash purchases — another gap versus the Chase Freedom Unlimited, which adds up to 1 additional year to eligible warranties of 3 years or less)
• Airport lounge access, Priority Pass, elite status with airlines or hotels, Global Entry / TSA PreCheck application credit, and annual travel credits: Not offered on the Wells Fargo Active Cash Card (Active Cash is a $0 annual fee flat-rate cashback card; these premium travel perks are reserved for the Autograph Journey and other premium travel products)