Wells Fargo Active Cash® Card
BEST FOR: Our pick for best unlimited cash back card
Wells Fargo Active Cash® Card Review
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.
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
Wells Fargo Active Cash® Card
WELCOME OFFER
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
REWARDS RATE
Earn unlimited 2% cash rewards on purchases
Welcome Offer
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
Rewards Rate
Earn unlimited 2% cash rewards on purchases
Extra Perks
No categories to track or remember and cash rewards don't expire as long as your account remains open.
Annual Fee
$0
Card Brand
Visa®
Recommended Credit Score
Good/ExcellentHighlights
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 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. 20.24%, 25.24%, or 29.99% Variable APR thereafter; 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 categories to track or remember and cash rewards don't expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Additional Info
3%
3% intro for 120 days from account opening, then up to 5%; min: $5
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Expert Review
Editor's Overall Rating
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
Features
Our pick for best unlimited cash back card
From the LendingTree editorial team, updated on Apr 03, 2024
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 $500 in purchases in the first 3 months. This isn’t the best welcome offer on the market, but we feel that the ongoing rewards program is strong enough to offset it.
This card also comes with over a year of 0% intro APR on both purchases and balance transfers: 0% intro APR for 15 months from account opening for purchases and 0% intro APR for 15 months from account opening on qualifying balance transfers; in both cases, an APR of 20.24%, 25.24%, or 29.99% Variable APR 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 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.
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.
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.
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0% Intro APR
0% Intro APR for 15 months on purchases and balance transfers, then 17.24% - 28.24% Variable APR.
Rewards Rate
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically. Redeem your rewards for cash at any time.
Sign-Up Bonus
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Sign-Up Bonus
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Rewards Rate
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0% Intro APR for Purchases
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Sign-Up Bonus
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
Flexible Redemption
Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
Rewards Rate
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