Wells Fargo Active Cash®: Unlimited 2% Rewards
Earn unlimited 2% cash rewards on purchases, pay no annual fee and get a 0% introductory APR period for added flexibility.
Unlimited 2% Cash Rewards
Earn 2% cash rewards for every $1 spent in eligible net purchases, without rotating categories or quarterly activations.
0% Introductory APR
Get 0% introductory APR for 12 months from account opening on purchases and qualifying balance transfers, subject to current account terms.
$0 Annual Fee
The Active Cash® Card currently has a $0 annual fee, while interest and other transaction fees may still apply depending on account use.
Cell Phone Protection
Eligible cardholders may receive up to $600 per approved claim for covered cell phone damage or theft, subject to coverage limits and benefit terms.
How the Wells Fargo Active Cash® Card Works
The Wells Fargo Active Cash® Credit Card has a straightforward rewards structure. Cardholders earn unlimited 2% cash rewards for every $1 spent in eligible net purchases, without choosing categories or activating quarterly offers. Cash advances, balance transfers, fees and interest do not earn the standard cash rewards.
The card currently has a $0 annual fee and a 0% introductory APR for 12 months from account opening on purchases and qualifying balance transfers. After that period, Wells Fargo currently lists a variable APR of 18.74%, 24.74% or 28.74%. Balance transfers made within 120 days qualify for the introductory rate and fee.
Eligible new cardmembers can also earn a $100 cash rewards bonus after spending $500 in purchases during the first three months. Offers can vary by marketing channel, and eligibility rules apply. The card also includes cell phone protection when the applicable benefit requirements are met.
Frequently Asked Questions
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No. Wells Fargo currently lists a $0 annual fee for the Active Cash® Card. Interest and other transaction fees can still apply depending on how the account is used.
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The card earns unlimited 2% cash rewards for every $1 spent in eligible net purchases. There are no rotating reward categories or quarterly activations for the standard rewards rate.
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Cash rewards do not expire while the account remains open. Redemption options are available through Wells Fargo Rewards®, with requirements depending on the redemption method selected.
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Yes. Wells Fargo currently lists a 3% foreign transaction fee for each transaction amount converted to U.S. dollars, which is an important cost to consider when using the card abroad.
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Yes. Eligible cardholders can receive up to $600 per approved claim for covered damage or theft, subject to a $25 deductible, coverage limits and other benefit requirements.
What to Check Before Applying
Before submitting an application, review the current APR, balance transfer terms, fees and eligibility requirements on the official Wells Fargo page. The promotional offer does not guarantee approval, which remains subject to Wells Fargo's credit qualification requirements.
The Active Cash® Card combines unlimited 2% cash rewards with a $0 annual fee. However, the 3% foreign transaction fee and the variable APR that applies after the introductory period are important costs to consider based on how you expect to use the account.
Wells Fargo may change promotional offers and account terms over time. Checking the current Important Credit Terms before applying provides the latest information about rates, fees, introductory conditions and eligibility restrictions.