Last updated: 8/3/2021

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Wells Fargo Active Cash Card

Earns: Cash Back

GigaTake:

2% cash back on all purchases is the best going. A few other issuers offer similar rates, but you can’t do better with a cash back card.

This card is best for:

  • All Spending

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Here’s how much you would earn with this card

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You could earn Worth Plus Welcome Bonus Total
{{totalPointsYouCouldEarn | number}} Cash Back
per year
${{totalPointsYouCouldEarnValue | number}} {{welcomeBonus | number}} points
worth ${{welcomeBonusValue | number}}
${{totalValueToUser | number}}

How’d we figure that out?

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${{basePointsAmount | number}} All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x)

${{merchantBonusAmount | number}}{{ merchantsBonusLabels | commaSeparate }} ({{merchantsBonusAmounts[0].multiplier}}%x)

${{categoryBonusAmount.bonus | number}}{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)

${{categoryDiscount.discount | number}}{{categoryDiscount.category}} Credit

${{merchantCreditAmount | number}}Merchant Discounts

${{welcomeBonusAmount | number}}Welcome Bonus


Annual Fee${{annualFeeAmount | number}}

All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x) ${{basePointsAmount | number}}

Merchant Bonus ({{merchantsBonusAmounts[0].multiplier}}%x)${{merchantBonusAmount | number}}

{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)${{categoryBonusAmount.bonus | number}}

Welcome Bonus${{welcomeBonusAmount | number}}

Pros

  • 2% cash back is the highest available.
  • No annual fee.
  • 0% intro APR for 15 months.

Cons

  • Some points cards may earn you more.

See how the Wells Fargo Active Cash Card compares to other credit cards

Wells Fargo Active Cash Card Other Cards


Hover the dots to view other Credit Cards

Reward Rate = 2x

Value = 1 cent per point
Effective Value = 2 %

0%
3%

Welcome Bonus = 20,000

Value = 1 cent per point
Effective Value = $200

$0
$1800

Annual Fee = $0

$0
$995
Welcome Bonus
$200

OK

Bonus Rating

Cash Back

After you spend $1,000 in 3 months

GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article
Spending Rewards
2% All Spending

Excellent

excellent

Excellent

In the top 15% of cards.

Is this card right for me?

That depends on your individual spending patterns. We have a tool that figures it out for you. Learn what you could earn.

Program Name
Cash Back
Gigapoints Value
1¢ per point
0.4¢ PER POINT
2¢+ PER POINT
Annual Fee
  • $0
Use this card for…

You can earn more rewards by using different cards for different purchases. We built a tool that tells you which card to use, when. Just plug in your favorite brand, store, or category to find out which card pays the most.

Use the Best Card For tool Go

Additional perks of owning this card

Cell phone protection

Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).

The Fine Print

INTRO APR FOR PURCHASES 0% for 15 months
INTRO APR FOR BALANCE TRANSFERS 0% for 15 months
PURCHASES APR 14.99%-24.99%
BALANCE TRANSFER FEE 3% for 120 days from account opening, then up to 5%; min: $5.
CASH ADVANCE APR 25.99%
CASH ADVANCE FEE Either $10 or 5% of the amount of each advance, whichever is greater.
FOREIGN TRANSACTION FEE 3%