Wells Fargo Active Cash – How to Apply

By Raquel Oliveira • 03/11/2025

Wells Fargo Active Cash Credit Card Earn unlimited cash back on their everyday purchases.

The Wells Fargo Active Cash Credit Card offers a straightforward way to earn rewards, providing 2% cash back on all purchases with no rotating categories or activation requirements—just effortless earning on everything you buy.

New cardholders can enjoy a $200 welcome bonus after spending $500 within the first three months, giving an immediate boost to their rewards and making it an excellent option for quick savings.

Beyond cash back, this card features a 0% introductory APR on purchases and qualifying balance transfers for the first 15 months, helping users finance big purchases without paying interest.

With no annual fee, the Wells Fargo Active Cash Credit Card delivers exceptional value, combining unlimited cash back, a generous welcome offer, and interest-free financing for responsible spending.

How does Wells Fargo Active Cash work?

The Wells Fargo Active Cash Card is designed to offer a seamless way to earn rewards. It provides 2% unlimited cash back on all purchases without the need to track categories, making it a great fit for everyday spending.

Your cash back accumulates automatically and can be redeemed for various options, including statement credits, direct deposits, and PayPal purchases. Unlike some rewards programs, your cash back never expires as long as your account remains open.

Using this card is as simple as making your purchases and earning rewards instantly. Whether you’re shopping online, paying bills, or covering daily expenses, you’ll earn the same 2% cash back on everything.

This simplicity makes it a great option for those who don’t want to manage rotating bonus categories or complex redemption rules. Just spend, earn, and redeem at your convenience.

Main benefits for the Wells Fargo Active Cash

One of the biggest benefits of the Wells Fargo Active Cash Card is its unlimited 2% cash back on all purchases. Many other rewards cards require category tracking or have spending limits, but this card ensures a steady, straightforward earning rate.

Another key advantage is the $200 sign-up bonus. By spending just $500 in the first three months, you receive a cash bonus that provides an instant value boost to your rewards balance.

The card also features a 0% introductory APR on purchases and balance transfers for 12 months. This is particularly useful for cardholders looking to make large purchases or transfer balances from higher-interest credit cards to save on interest.

Lastly, there is no annual fee, meaning you get to keep all the rewards you earn without worrying about extra costs. This makes it one of the best no-fee rewards cards available for everyday spending.

Cons for the Wells Fargo Active Cash

Despite its strong benefits, the Wells Fargo Active Cash Card has a few drawbacks. One of the main downsides is the 3% foreign transaction fee. If you travel internationally, this fee can add up quickly, making it less ideal for overseas spending.

Another factor to consider is the high APR after the introductory period. Once the 12-month 0% APR expires, the interest rate can rise to anywhere between 19.24% and 29.24%, depending on your creditworthiness.

Additionally, while the flat 2% cash back is solid, some other cards offer higher rewards in specific categories like dining, travel, or groceries. If you spend heavily in these areas, you might find better options with category-based reward structures.

Lastly, there is a 3% balance transfer fee. If you’re planning to transfer a balance from another card, this fee can reduce the overall savings, especially compared to cards that offer no-fee balance transfers.

APR and Fees

The Wells Fargo Active Cash Credit Card has a 0% intro APR for the first 15 months on purchases and qualifying balance transfers.

After that, the APR will be 14.99% to 24.99% variable, depending on your creditworthiness. This means that if you carry a balance, the interest charges can add up quickly once the intro period ends.

The card has no annual fee, which makes it an affordable choice for those who want to earn rewards without paying extra costs.

However, there is a foreign transaction fee of 3%, which could be a disadvantage for those who travel internationally.

How to Apply for the Wells Fargo Active Cash Credit Card

Applying for the Wells Fargo Active Cash Card is quick and straightforward. Simply visit the Wells Fargo website and complete the online application form.

You will need to provide personal details such as your name, address, Social Security number, and income information. These details help determine your eligibility and credit limit.

Once you submit your application, Wells Fargo typically provides a decision within minutes. If approved, your card should arrive within 7 to 10 business days. Once received, you can activate it online or over the phone and begin using it immediately.

Before applying, it’s a good idea to check your credit score. Wells Fargo generally requires a good to excellent credit score for approval. If you’re unsure where you stand, use a free credit check tool to assess your likelihood of approval before applying.

Conclusion

The Wells Fargo Active Cash Credit Card is an excellent choice for those who want a straightforward rewards card with a high cash-back rate. With unlimited 2% cash back on all purchases, it eliminates the hassle of tracking categories and activation requirements.

Its additional benefits, including the $200 sign-up bonus and 12-month 0% APR period, make it even more valuable. Plus, with no annual fee, it’s a cost-effective option for anyone looking to maximize rewards without extra costs.

However, this card may not be the best choice for international travelers due to its 3% foreign transaction fee. Additionally, if you plan to carry a balance after the introductory period, the high APR can become a disadvantage.

Overall, if you want a simple, high-earning cash-back card that rewards every purchase without restrictions, the Wells Fargo Active Cash is one of the best options available today.