Wells Fargo Active Cash Card Review

The Wells Fargo Active Cash Card is a top-tier cashback credit card that combines simplicity, unlimited rewards, and premium benefits—all with no annual fee.

The Wells Fargo Active Cash Card is a dream come true for those who want to earn generous rewards without the hassle of spending categories or rotating bonuses. With unlimited 2% cash rewards on every purchase, this card makes every transaction count—whether you’re paying bills, shopping for essentials, or splurging on a weekend getaway. Add in a welcome bonus and a long 0% introductory APR period, and you have a credit card that delivers maximum value with minimal effort.

Beyond its impressive cashback potential, the Wells Fargo Active Cash® Card offers premium perks such as cell phone protection, Visa Signature benefits, and travel and purchase protection—all for no annual fee. Whether you’re looking for a daily spending card or a flexible financial tool for both purchases and balance transfers, this card is designed to fit seamlessly into your lifestyle while maximizing your rewards.

CREDIT CARD

Wells Fargo Active Cash

$200 bonus unlimited 2% cash back

APPLY NOW You will be redirected

Benefits of the Wells Fargo Active Cash Card

1. Unlimited 2% Cash Rewards on Every Purchase

Unlike other cashback cards that require you to track categories or activate rotating bonuses, the Wells Fargo Active Cash Card keeps it simple. Earn a flat 2% cash rewards rate on every purchase, big or small, without restrictions—making it one of the most generous no-annual-fee cashback cards available.

2. $200 Welcome Bonus

Get a $200 cash rewards bonus after spending just $500 in purchases within the first 3 months of account opening. This easy-to-reach threshold means you can start enjoying your rewards in no time.

3. 0% Introductory APR for 15 Months

Take advantage of 0% intro APR on purchases and qualifying balance transfers for 15 months, giving you flexibility in managing big purchases or consolidating existing credit card debt. After the introductory period, a competitive variable APR applies.

4. No Annual Fee

Enjoy all the premium benefits of this card without paying an annual fee. That means more savings and better value, making it a standout choice for everyday spending.

5. Cell Phone Protection

Pay your monthly cell phone bill with your Wells Fargo Active Cash® Card, and you’ll be covered for up to $600 in cell phone protection against damage or theft (subject to a $25 deductible). This feature alone makes the card worthwhile for tech-savvy users.

6. Visa Signature Benefits

Enjoy the perks of Visa Signature status, which includes concierge services, travel and emergency assistance, and exclusive offers on luxury experiences and dining. These premium benefits add an extra layer of exclusivity to your card.

7. Roadside Dispatch

Whether you have a flat tire, need a jump start, or lock yourself out of your car, the Roadside Dispatch service provides 24/7 assistance, ensuring you’re never stranded.

8. Zero Liability Protection

With Wells Fargo’s Zero Liability policy, you won’t be held responsible for unauthorized transactions, giving you peace of mind knowing your purchases are secure.

9. 24/7 Fraud Monitoring & Security Alerts

Wells Fargo provides real-time fraud monitoring and alerts to protect your account from unauthorized activity, helping you keep your finances safe.

10. Tap to Pay & Digital Wallet Compatibility

Enjoy fast and secure transactions with contactless payments, Apple Pay®, Google Pay™, and Samsung Pay®, making checkouts effortless both in-store and online.

11. Travel and Emergency Assistance

If you find yourself in an emergency while traveling, your Visa Signature® status grants you access to 24/7 travel assistance services, including medical and legal referrals, emergency ticket replacement, and lost luggage assistance.

12. Extended Warranty Protection

Make every purchase more secure with extended warranty protection on eligible items, giving you additional coverage beyond the manufacturer’s warranty.

Who Can Apply for the Wells Fargo Active Cash Card?

Eligibility criteria for the Wells Fargo Active Cash Card:

1. Age: Must be at least 18 years old.
2. Residency: Must be a U.S. resident with a valid Social Security Number or ITIN.
3. Credit Score: A good to excellent credit score (typically 670+) is recommended for approval.
4. Income: Must meet Wells Fargo’s minimum income requirements for credit approval.
5. Banking Relationship: While not required, having an existing Wells Fargo account may improve approval odds.

How to Apply

1. Visit Wells Fargo’s Website: Go to the Wells Fargo Active Cash® Card page.
2. Check Prequalification: See if you’re eligible without affecting your credit score.
3. Complete the Application: Enter personal, financial, and employment details.
4. Review Terms & Submit: Carefully review the card terms before submitting.
5. Receive a Decision: Most applicants get an instant decision, while others may require further verification.
6. Activate & Start Earning: Once approved, activate your card and begin enjoying 2% cashback!

Frequently Asked Questions

Can I use my rewards for travel?

Yes! You can redeem points for flights, hotels, car rentals, and experiences.

How do I access my rewards?

Log in to your Wells Fargo account or use their mobile app to redeem rewards.

Can I add an authorized user?

Yes, you can add authorized users who will also earn cashback.

What happens if I cancel my card?

Your unredeemed rewards may be forfeited, so redeem them before closing the account.

CREDIT CARD

Wells Fargo Active Cash

$200 bonus unlimited 2% cash back

APPLY NOW You will be redirected