Wells Fargo Active Cash Card
Unlimited flat 2% cash rewards on everything, no annual fee, plus a 0% intro APR on purchases and balance transfers.
Why it ranks
- No annual fee
- 2% flat
- Cell phone insurance
What holds it back
- Foreign transaction fee
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
Unlimited flat 2% cash rewards on everything, no annual fee, plus a 0% intro APR on purchases and balance transfers.
Wells Fargo Active Cash Card at a glance
| Issuer | Wells Fargo |
| Card network | Visa |
| Annual fee | No annual fee |
| Welcome bonus | Cash rewards welcome offer |
| Rewards rate | 2% unlimited cash rewards on all purchases |
| Intro APR | 0% intro APR on purchases & qualifying balance transfers for 12 months |
| Regular APR | 19.24%–29.24% variable |
| Foreign transaction fee | 3% |
| Credit needed | Good (690+) |
| Best for | Simple 2% on everything with cell phone protection |
| Airport lounge access | No |
Rewards & benefits
- Flat 2% everywhere
- Cell phone protection
- 0% intro APR
Eligibility & who it suits
- Good credit score
How to apply
Check current rates on Wells Fargo’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar USA cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | WFWells FargoActive CashNo annual fee · US Wells Fargo Active Cash CardSimple 2% on everything with cell phone protection |
None | 2% unlimited cash rewards on all purchases | Cash rewards welcome offer | 3% | Good (690+) | |
| 2 | CChaseFreedom UnlimitedNo annual fee · US Chase Freedom UnlimitedEveryday spenders who want simple cash back and pair it with Chase points |
None | 5% travel via Chase, 3% dining & drugstores, 1.5% all other purchases | Extra cash back in the first year on bonus spend | 3% | Good (690+) | |
| 3 | AEAmerican ExpressBlue Cash Preferred$95/yr · US Blue Cash Preferred Card from American ExpressFamilies with high grocery and streaming spend |
$95/yr | 6% U.S. supermarkets (up to $6k/yr), 6% select U.S. streaming, 3% transit & U.S.… | Statement-credit welcome offer | 2.7% | Good to Excellent (700+) | |
| 4 | CChaseFreedom FlexNo annual fee · US Chase Freedom FlexPeople who can track and activate rotating 5% categories |
None | 5% rotating quarterly categories (activation required), 5% travel via Chase, 3%… | Cash bonus after the minimum spend | 3% | Good (690+) |
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