Last updated: 11/7/2021

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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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

Rewards

Show Rewards For:

Hover the dots to view other Credit Cards

Reward Rate = 2x

Value = 1 cent per point
Effective Value = 2 %

Welcome Bonus = 20,000

Value = 1 cent per point
Effective Value = $200

$1700

Annual Fee = $0

$695

Welcome Bonus

$200 Cash Back

After you spend $1,000 in 3 months

GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article

Spending Rewards

2% All Spending

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.

Try the Analyzer now

0.4¢ PER POINT

2¢+ PER POINT

Annual Fee

Are Annual Fees Worth It?

The GigaPoints Guide to Credit Card Annual Fees Article

Recommended Credit Score

Average
Good
Excellent

These ranges indicate where your credit score should be before applying for a card. But we can’t guarantee that you’ll be approved for any particular card—that’s up to the issuer.

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

Additional perks of owning this card

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%