Wells Fargo Active Cash

By Raquel Oliveira • 03/11/2025

Wells Fargo Active Cash Credit Card straightforward way to earn cash back. 

With unlimited 2% cash back on all purchases, this card is perfect for individuals who want to earn rewards on everyday spending without worrying about rotating categories or restrictions. 

Whether you’re buying groceries, gas, or shopping online, the Wells Fargo Active Cash card lets you earn the same high rewards rate on everything you buy.

In addition to its generous cash back rewards, the Wells Fargo Active Cash Credit Card offers a 0% introductory APR on purchases and qualifying balance transfers for the first 15 months. 

This makes it an ideal choice for individuals who want to make large purchases and pay them off over time without paying interest.

Unique Feature of the Wells Fargo Active Cash Credit Card

The unique feature of the Wells Fargo Active Cash Credit Card is its unlimited 2% cash back on all purchases. 

This simple and straightforward rewards structure makes it easy to earn rewards on everything you buy, with no need to track rotating categories or limits. 

The 2% cash back applies to all purchases, making it a great choice for individuals who want to maximize their rewards without complicating things.

Pros and Cons

Pros:

• 2% cash back on all purchases: Earn top rewards on everything you buy with no category restrictions.
• 0% introductory APR for the first 15 months: Pay off large purchases or balance transfers without paying interest for the first 15 months.
• No annual fee: Enjoy the card’s benefits without paying an annual fee.
• Easy-to-use rewards structure: No need to track rotating categories or sign up for bonus rewards.
• Cell phone protection: Get protection for your cell phone if it’s damaged or stolen when you pay your monthly bill with the card.

Cons:

• High APR after the intro period: The APR can be high after the 0% intro period ends, so it’s important to pay off your balance before that time.
• No bonus categories: Unlike some other cards, this card offers a flat 2% cash back on all purchases, with no bonus categories for higher rewards.
• Foreign transaction fees: The card charges a 3% foreign transaction fee, which could be a downside for international travelers.

How do I know if the Wells Fargo Active Cash is the best credit card for me?

This Credit Card is perfect for individuals who want to earn a high, consistent cash back rate of 2% on all purchases. 

If you prefer a simple rewards structure without worrying about rotating categories or limits, this card is a great fit. The 0% intro APR for the first 15 months is also a great benefit if you plan to make large purchases or balance transfers.

Why Do We Like This Card?

The Wells Fargo Active Cash Credit Card stands out because it offers unlimited 2% cashback with no annual fee, making it one of the most competitive flat-rate rewards cards available. Unlike category-based rewards cards.

Another reason this card is appealing is the $200 welcome bonus, which provides an easy way to kickstart your earnings. Additionally, the 0% intro APR period for 12 months makes it useful for those who need time to pay off larger purchases without interest.

Beyond cashback, this card includes valuable perks like cell phone protection and travel assistance, making it more versatile. With these added benefits, it offers more than just simple rewards.

For individuals who want a cashback card that is easy to use and provides consistent rewards, this card delivers a straightforward and effective solution.

How to Maximize Your Wells Fargo Active Cash Credit Card

To get the most value out of this card, use it for all purchases to take full advantage of the 2% cashback rate. Since there are no bonus categories to activate, you can earn rewards without extra effort.

For those planning large expenses, taking advantage of the 0% intro APR for 12 months can provide interest-free financing, but it’s important to pay off the balance before the intro period ends to avoid high APR charges.

Additionally, using this card for domestic purchases instead of international travel can help avoid the 3% foreign transaction fee, ensuring you keep all of your cashback earnings.

By using this card strategically, you can maximize rewards and take advantage of additional perks while keeping costs low.