Wells Fargo Active Cash® Credit Card: Unlimited Cash Rewards Made Effortless
The Wells Fargo Active Cash® Credit Card is one of the most versatile and user-friendly cash-back cards available today. With unlimited 2% cash rewards on every purchase, a generous welcome bonus, strong introductory APR benefits, and built-in protections, this card is ideal for anyone seeking simple, consistent value. Whether you use it for everyday expenses or large planned purchases, the Active Cash® Card makes earning—and keeping—cash rewards effortless and rewarding.
By: Zienic
Unlimited 2% Cash Rewards on All Purchases
Earn a flat 2% cash rewards rate on every purchase with no categories to track or activate.
Strong Intro APR Offers
Benefit from promotional 0% APR periods on purchases and balance transfers for added financial flexibility.
Generous Welcome Bonus
New cardholders can earn a one-time cash rewards bonus after meeting the minimum spending requirement.
Built-In Protection and Additional Benefits
Enjoy cell phone protection, zero liability for unauthorized purchases, and access to Visa benefits.
Why the Wells Fargo Active Cash® Credit Card Stands Out
The Wells Fargo Active Cash® Credit Card is designed for people who want simplicity and strong rewards without complicated rules or rotating categories. Its standout feature is the unlimited 2% cash rewards on every purchase—meaning you earn the same competitive rate on groceries, gas, bills, travel, and everything else. This makes the card appealing to users who prefer a straightforward, no-maintenance cash-back structure. Another attractive benefit is the welcome bonus, which provides immediate value for new cardholders who meet the minimum spend requirement in the first few months. Additionally, the card frequently includes a 0% introductory APR period on purchases and balance transfers, making it useful for financing larger expenses or consolidating debt responsibly. In terms of protections, the Active Cash® Card offers cell phone coverage when you pay your bill with the card, along with real-time fraud monitoring, zero liability protection, and other safety features common to Visa cards. These benefits add convenience and peace of mind at no extra cost. With no annual fee, unlimited rewards, and easy redemption options—including statement credits, direct deposits, or gift cards—the Wells Fargo Active Cash® Credit Card is an excellent everyday card for maximizing value without effort.
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What credit score is recommended for approval?
A good to excellent credit score (typically 700 or higher) improves your chances of being approved.
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Does the card have an annual fee?
No. The Wells Fargo Active Cash® Credit Card has no annual fee.
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How much cash back can I earn?
You earn unlimited 2% cash rewards on every purchase with no cap.
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Does the card offer an intro APR?
Yes. The card often includes a promotional 0% APR period on purchases and/or balance transfers.
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Does the card include any protections?
Yes. Benefits include cell phone protection, fraud monitoring, and Visa’s Zero Liability protection.
How to Request the Wells Fargo Active Cash® Credit Card
Applying for the Wells Fargo Active Cash® Credit Card is fast, simple, and fully online. Start by visiting the official Wells Fargo website, where you can explore benefits, reward details, and current introductory offers. Before applying, it’s best to check your credit score—applicants with good to excellent credit typically have the highest approval odds. To submit your application, you’ll need to provide personal information including your name, address, Social Security number, income, and employment details. Wells Fargo uses this information to verify your identity and evaluate your financial profile. Completing the application usually results in a hard credit inquiry, which may temporarily affect your score. Most applicants receive an instant decision, though some cases may require additional review. If approved, your card will arrive by mail within 7–10 business days. In many instances, you may also receive access to a digital card number so you can start making purchases immediately through digital wallets. To make the most of your new Active Cash® Card, set up online banking, enable real-time alerts, and review reward redemption options. You can redeem cash rewards at any time, in any amount, with no minimums—making it easy to take advantage of your earnings from day one. Using the card regularly and strategically can help you build rewards quickly while benefiting from financial protections and flexible spending options.