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The Wells Fargo Active Cash® Card is a standout cash back card that's great for a one-card wallet. This no annual fee credit card also comes with a competitive cash rewards sign-up bonus and 0% intro APR offer, further setting it apart from many of the top offers. Read our full Wells Fargo Active Cash® Card review for an in-depth look at all the pros and cons. Great for: One-card wallet
Rating image, 5.00 out of 5 stars. Credit Score: Intro APR Info IconCircle with letter I in it. 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. The balance transfer fee is 3% for 120 days from account opening, then up to 5%; min: $5 Purchases: 0% intro APR, 15 months from account opening Balance Transfers: 0% intro APR, 15 months from account opening on qualifying balance transfers Regular APR 17.99%, 22.99%, or 27.99% (variable) Welcome Offer Info IconCircle with letter I in it. $200 cash rewards bonus after spending $1000 in purchases in the first three months $200 cash rewards offer
This credit card is a good fit for: Cardholders who want one card for everything, all with no annual fee. Top perksThe Wells Fargo Active Cash® Card ticks all the typical rewards card boxes with everything from purchase rewards to a long 0% intro APR offer. Unlimited 2% cash rewardsCardholders earn unlimited 2% cash rewards on purchases, with no categories to activate or earnings limits to track. While there are a few other cash back cards out there with the same rewards rate, the Wells Fargo Active Cash® Card stands out with its simplicity. When you're comparing credit cards with similar cash back, you'll see that most have some sort of catch. You either have to redeem your rewards in a specific way, or there are multiple steps to earn the full amount. The Wells Fargo Active Cash® Card doesn't do any of that. You'll earn the same cash rewards on purchases when you make it, and you can redeem those rewards for everything from statement credits to gift cards. $200 cash rewards sign-up bonusNew Wells Fargo Active Cash® Card holders can earn a $200 cash rewards sign-up bonus for spending just $1,000 on their card in the first three months. Not only is this a very competitive sign-up bonus for a card with no annual fee, but it's also one of the things that sets this Wells Fargo credit card apart from other cash back cards. Learn more: Best Sign-Up Bonus Credit Cards Long 0% APR intro offerAnother thing that makes the Wells Fargo Active Cash® Card different from other cash back credit cards is the 0% intro APR card offers. New cardholders can enjoy 0% intro APR on both new purchases and eligible balance transfers for a full 15 months. That's a great offer, even when compared to cards marketed just for a 0% intro APR. Keep in mind that only balance transfers made within the first 120 days will qualify for the reduced interest rate. There's also a balance transfer fee that will apply to all transfers. No annual feeIn many cases, high rewards rates mean high annual fees. Not with the Wells Fargo Active Cash® Card. The card has no annual fee, which means you won't need to pay just to keep your account open. While having no annual fee is great for any cardholder, it's really ideal for people interested in maximizing credit card rewards. You'll be able to hang on to the card with no annual fee, even if you're not using it every day. Read more: Best No Annual Fee Credit Cards Cellphone protectionWith the price of a typical cellphone in the hundreds of dollars, having some sort of insurance is a good idea. With this Wells Fargo card, you can get built-in cellphone protection just by paying your cellphone bill with your card. The protection covers your phone in the event of theft, damage, or "involuntary and accidental parting." You can get up to $600 per claim -- minus a $25 deductible -- and up to two claims per 12-month period.
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What could be improvedWhile the Wells Fargo Active Cash® Card has a lot of perks, it does have a handful of drawbacks, too. No bonus rewards categoriesAlthough you earn unlimited cash rewards on purchases, that's it. You won't earn higher rates for certain purchases. This isn't a surprise, of course, as the Wells Fargo Active Cash® Card is a flat-rate unlimited cash back card by design. However, it's definitely a drawback to anyone who wants to maximize their credit card rewards with a credit card that offers bonus cash back for certain purchases. If you want to explore a wider range of rewards possibilities, check out our picks for the best rewards credit cards. Foreign transaction feeIf you're thinking of taking this credit card on your next trip abroad, think again. The card includes a 3% foreign transaction fee for any purchases made in a foreign currency. And you don't need to travel to wind up paying this fee; some online purchases could be in a foreign currency, especially on crowdfunding sites. Find the best credit card for your needsCompare credit card rewards, fees, APRs, and more using our side-by-side comparison tool. Suggested Wells Fargo Active Cash Card credit scoreThe Wells Fargo Active Cash® Card is best for applicants with good credit, which typically means a credit score of 670 or higher. A credit score above 700 will give you even better chances of approval. However, remember that issuers look at more than your credit score when evaluating your card application, including your income and full credit history. Take a look at our guide to the Wells Fargo credit card application rules to learn more about how the process works. This card is right for you if:The Wells Fargo Active Cash® Card is a stand-out flat-rate rewards card with one of the best cash rewards programs out there. To top it off, the card comes with a big cash rewards sign-up bonus and a competitive 0% intro APR offer. While the card doesn't have a lot of secondary cardholder benefits, it doesn't charge an annual fee, either. All in all, the Wells Fargo Active Cash® Card is a quality pick for one-card wallets. FAQs
What is an active cash card from Wells Fargo?The Wells Fargo Active Cash Card has debuted as one of the best flat-rate cash rewards credit cards on the market. The Active Cash is a low-maintenance rewards card with top-rate rewards potential and redemption options that make it an easy fit in any wallet.
What is the credit limit on Wells Fargo active cash card?The credit limit for the Wells Fargo Active Cash® Card typically ranges from $1,000 to $20,000 or more, based on user reports we reviewed. Credit limits vary by cardholder and depend on several factors, including annual income and credit history.
Is Wells Fargo active cash credit card hard to get?Unless your credit score is 700 or higher and you have a lot of income, it will be difficult for you to get approved for the Wells Fargo Active Cash. In order to get the Wells Fargo Active Cash, you will have to meet the credit score requirement, have a steady income and be at least 18 years old.
Can you use Wells Fargo active cash card anywhere?Foreign transaction fee
The Wells Fargo Active Cash® Card runs on the Visa payment network, so it's widely accepted around the world. However, the card charges a foreign transaction fee, adding an extra cost every time you use it when traveling abroad.
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