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Wells Fargo Active Cash℠ Card

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Wells Fargo Active Cash℠ Card

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.7/5.0 from 114 Offer Ratings
Over the Past 60 Days!

(114) Over the Past 60 Days!

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on Wells Fargo's secure site


  • Regular Purchase APR

    14.99%-24.99% (Variable)

  • Intro Purchase APR

    0% intro APR for 15 months from account opening

  • Intro BT APR

    0% intro APR for 15 months from account opening on qualifying balance transfers

  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $0

  • Card Brand

    Visa®

Highlights

  • New! Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 14.99% to 24.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
  • $0 annual fee
  • No category restrictions or sign ups and cash rewards don’t expire as long as your account remains open
  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Active Cash℠ Card
  • Select “Apply Now” to learn more about the product features, terms and conditions
  • See Rates & Fees

Card Fees

  • Foreign Transaction Fee

    3%

  • Balance Transfer Fee

    3% intro for 120 days from account opening, then up to 5%; min: $5

  • Cash Advance Fee

    Refer to Important Credit Terms

Additional Card Details

  • $0 Fraud Liability

    No

  • Auto Rental Insurance

    No

  • Extended Warranty Program

    No

  • Roadside Assistance

    No

  • Purchase Protection

    No

  • Travel Assistance

    No

  • Flight Accident Insurance

    No

  • Lost Luggage Reimbursement

    No

  • Concierge Service

    Yes


Expert Reviews

  • Regular APR

    4.5

  • Intro APR

    4.0

  • Fees

    4.5

  • Benefits

    5.0

  • Overall Rating

    4.0 /5

From the LendingTree.com Editorial Team

This card is a game-changer with one of the highest rates of unlimited cash back we’ve ever seen on a no-annual fee credit card: cardholders can earn unlimited 2% cash rewards on purchases, no ifs ands or buts. 2% is just about as good as it gets when it comes to rewards cards, so if you’re on the hunt for a card that is very low maintenance that still allows for a substantial accumulation of rewards this one is tough to beat. The Wells Fargo Active Cash℠ Card also comes with a solid if uninspiring welcome offer – new cardholders can earn a $200 cash rewards bonus after spending $1,000 on purchases in the first 3 months. This isn’t the best sign-up bonus on the market, but we feel that the ongoing rewards program is strong enough to offset this weaker offer.

This card also comes with over a year of 0% intro APR on both purchases and balance transfers: for purchases and 0% intro APR for 15 months from account opening on qualifying balance transfers; in both cases, an APR of 14.99%-24.99% (Variable) applies after that intro period is up. This comes with one important caveat – that period of no interest only applies from the first 15 months from account open, so we recommend planning ahead if you’re looking to take full advantage of those features.

The Bottom Line

Overall, this card is an exceptional choice in the world of no-annual-fee rewards cards, especially for those who don’t want to deal with activating rewards categories or worrying about more complicated cash back programs.

The Good

This card’s unlimited rewards program is best-in-class right now – you won’t find a higher rate of unlimited cash back on a no annual fee card today.

The Not So Good

This card doesn’t have the strongest welcome offer and only offers a period of 0% intro APR for the first 15 months from account open for purchases and balance transfers.


Editorial Note: This content is not provided by Wells Fargo. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Wells Fargo.

Expert Reviews of the Wells Fargo Active Cash℠ Card

  • Regular APR

    4.5

  • Intro APR

    4.0

  • Fees

    4.5

  • Benefits

    5.0

  • Overall Rating

    4.0 /5


Consumer Reviews 114 Reviews

Offer Rating

3.7 out of 5.0

5 Star
 
 
(25)
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(31)
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(7)
1 Star
 
 
(3)

Your Rating

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