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Wells Fargo Active Cash® Card

$200 cash rewards

Earn a $200 cash rewards bonus after spending $1,000 on purchases in the first 3 months.

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Annual Fee

Rewards

Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months

Earn unlimited 2% cash rewards on purchases

No categories to track or remember and cash rewards don't expire as long as your account remains open

APR on Purchases

0% intro APR for 15 months from account opening, 16.49% - 26.49% Variable APR after that

Balance Transfer

0% intro APR for 15 months from account opening on qualifying balance transfers, 16.49% - 26.49% Variable APR after that

Balance Transfer Fee 3% intro for 120 days, then up to 5% (min $5)

Editor's Take

by John Kiernan

June 21st, 2022

Wells Fargo Active Cash Pros & Cons

$200 cash rewards bonus

$0 annual fee

2% cash rewards on purchases

0% introductory APR

High regular APR

Foreign transaction fee

Balance transfer fee

Wells Fargo Active Cash Review

View 60 User Reviews

Wells Fargo Active Cash's Additional Info

cash advance fee

Refer to Rates & Fees

cash advance APR

Refer to Rates & Fees

foreign transaction fee

smart chip

Yes, chip-and-PIN

max late fee

Refer to Rates & Fees

max overlimit fee

Refer to Rates & Fees

max penalty APR

None

grace period

Refer to Rates & Fees

Apply Now

at Wells Fargo's secure site

0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 16.49%, 21.49%, or 26.49% 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

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

Apply Now

at Wells Fargo's secure site

Questions & Answers

Can't find what you are looking for? Submit your question about Wells Fargo Active Cash® Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.

What are the best Wells Fargo Active Cash Card promotions?

Upvotes

Evelyn Boros, Credit Cards Moderator

The best Wells Fargo Active Cash® Card promotion is a $200 initial bonus. To get this Wells Fargo Active Cash promotion, cardholders must make $1,000 in purchases within 3 months of opening an account. There are a few other notable Wells Fargo Active Cash promotions to take advantage of as well.

Wells Fargo Active Cash Promotions for July 2022

A $200 initial bonus
An introductory APR of 0% for 15 months from account opening on purchases (16.49% - 26.49% Variable regular APR after that)
An introductory APR of 0% for 15 months from account opening on qualifying balance transfers

Blue Cash Preferred® Card from American Express

Capital One Quicksilver Cash Rewards Credit Card

(60)

(1,556)

(4,886)

Purchase Intro APR0% for 15 months from account opening

Purchase Intro APR0% for 12 months

Purchase Intro APR0% for 15 months

Transfer Intro APR0% for 15 months from account opening on qualifying balance transfers|Transfer Fee: 3% intro for 120 days, then up to 5% (min $5)

Transfer Intro APRNot Offered

Transfer Intro APR0% for 15 months|Transfer Fee: 3%

Regular APR16.49% - 26.49% Variable

Regular APR15.49% - 25.49% (V)

Regular APR16.49% - 26.49% (V)

Rewards Rate2% Cash Rewards

Rewards Rate1 - 6% Cash Back

Rewards Rate1.5 - 5% Cash Back

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Rates & Fees

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Rates & FeesTerms Apply

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Wells Fargo Active Cash Reviews

Share your insights and review the Wells Fargo Active Cash® Card

3.1

What's Your Rating?

William
June 29, 2022 • @sloss_william57

Verified Customer

EZ approval with 740ish scores and 15 months good credit history. I was notified by letter Wells needed to verify my name, address, and phone number which was no problem. They needed to verify if it was in fact me who applied for the card which it was. I received an email shortly afterward saying I was approved for $2500 which im actually OK with. I have other credit which absorbs a lot of usage. The electronic payment feature lets me pay as i go never carrying a balance. I like the bonus and 2% rewards. There is nothing to dislike about the Wells Fargo Assisted Cash card.

Comment

Edmond
June 27, 2022 • @sealedmond61

Verified Customer

Best credit card for me no complaints I like the rewards i use this card daily and always pay my credit card in full every month if you can't do that then pay cash.

Comment

Jieyi Zhuang
June 9, 2022 • @zhuangjieyi

Application process can be a hassle. I applied with an 800+ score and after submission of my application, they wanted two years of my tax returns to approve my application. I submitted the documents as they requested and then they denied my application. When I called to ask them why this was the case they said that it’s because I blacked out the first five digits of my SSN and that if I want to be approved I need to submit the tax forms with everything uncensored. So then I submitted my tax documents again and they denied me YET AGAIN, this time claiming that they want a Fee Schedule form from me, which is something they never mentioned or requested for in the beginning. I am done jumping through hoops and being strung along by random requests they create to consider my application once more. Not worth your time or effort. Avoid.

Comment

David
June 1, 2022 • @dbjones32

Not bad but Not great...... I just got this card 1 month ago because of the reviews. The good is the flat 2% no categories to remember just 2% flat on all purchases. Easy to achieve welcome bonus spend $1000 in 3 months $200 that's pretty good. Decent Credit Limit 5K
The not so good, if you're not already a Wells banking customer this won't be the easiest card to strategize with.(I actually opened a checking and savings account and put a small amount in the account when I got approved for this card). The online portal is not the easiest to use.The charges don't appear right away online. The rewards don't appear until statement closes. Wells Customer service is not very helpful. Hard to track spending since nothing post immediately. Can only withdraw rewards at $25 minimum and again hard to redeem rewards without a wells account .
2 1/2 - 3 stars

Comment

Lyron
May 20, 2022 • @lyronconnorusvi

Verified Customer

2% on everything without the extra I only get this or that. Just flat rate no extra work. You can even book flights, and hotels. Yeah Baby.

Comment

johnvparker2094
May 19, 2022 • @johnvparker2094

Verified Customer

I like the card for the cash back as it is higher than capital one. But, capital one releases your cash back as items post and Wells has you wait until the statement closes. I find that annoying. If Capital one can do it why does wells make you wait? Its not a deal breaker but if its my cash back give it to me as I earn it instead of at the end of the month lol. Also, Capital One lets you post 10 cents to statement credit if you want to and Wells makes you have to have at least 25.00. But, I will say they probably hate me as I pay my balance in full so no interest and I get paid to use my money. So, thank you lol.

Comment

Derek
May 11, 2022 • @derek6004

Verified Customer

Excellent card with great cash back benefits! Very professional customer service. I love this card, I honestly can’t think of a way Wells Fargo could make it any better!

Comment

inlays_wed_0i
April 25, 2022 • @inlays_wed_0i

Verified Customer

Not sure what all the drama is. It’s stupid simple. 2% back. Was approved for 10k and the card does what it made for. Just a FYI don’t for anything else wellsfargo.

Comment

Bear Jenkins
March 29, 2022 • @Tortilla36

I met the $1000 spending requirement weeks ago to get the $200 new account bonus, but have received no bonus. I wasn't very surprised when it didn't post mid-cycle. I just figured it would land on the next statement. Nope. Statement came and went 3 days ago, still no bonus. I called and the (not very professional) Wells Fargo rep now says the bonus will land on my NEXT statement, in another month. But why? "I dunno. That's just how it works". I also spent $1000 last month and should have received $20 in new rewards from the supposed 2% back on my new statement. But my rewards balance has been stuck at $15 for the last two months. Bottom line...this card has potential, but be prepared for snafus, annoyances, and having to call in and beg for the rewards that should just appear automatically.

Comment

Cindy St
April 29, 2022 • @cindyhstone

Totally agree do not recommend this card at all! Cannot even see pending rewards which says will be redeemable this date.

Comment

cperin
June 16, 2022 • @cperin

@cindyhstone Thats weird. I have a rewards tracker in the app that tells me pretty much everything about the cards rewards Redeemable Rewards : $98.11 Lifetime Earnings: $498.43 Pending Earnings: $6.68 When you log into the app right below where it says "Good Morning _______" click on Wells Fargo Rewards. Then scroll down to a subsection that says "Our best cash back card yet" and click on "cash track." Hope this helps.

Comment

marieadtrash
February 25, 2022 • @marieadtrash

HORRIBLE CARD. My boyfriend and I took out this card as a joint credit card to pay our rent and bills. We each have a six figure yearly salary and good-excellent credit scores. They only gave us a $1500 credit limit. We figured ok that sucks but we will just pay it off every week and we can still use it for our bills that come to well over $5k per month, then eventually we will get a higher limit. We didn't want to hurt our credit scores by doing another credit check for a different card. This plan would have worked but Wells Fargo does not allow you to make more than 4 payments per month. Unless you are paying from a Wells Fargo bank account. I called to see why and was told it was for security purposes. I asked how it was a security issue for someone making a payment on their card. No one could answer me. I was escalated to a supervisor who back tracked and said it was just the rules and I needed to deal with them or open a Wells Fargo checking account. I feel that this has to be illegal some how. Who tries to prevent you from making a payment on your credit, unless they are trying to get more interest out of you? STAY AWAY FROM THIS CARD!!

Comment

Tanya
March 4, 2022 • @raytanya128

I ran into that problem too. When I see extra money in my account I like to put it towards debt. Maybe I will just pay this one off first and it will be my backup card.

Comment

Review Wells Fargo Active Cash® Card

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Wells Fargo Active Cash® Card

Wells Fargo Active Cash® Card

Accepted Credit Scores

Annual Fee

Rewards

APR on Purchases

Balance Transfer

Editor's Take

Wells Fargo Active Cash Pros & Cons

Wells Fargo Active Cash Review

Wells Fargo Active Cash's Additional Info

Questions & Answers

Wells Fargo Active Cash Promotions for July 2022

Compare The Wells Fargo Active Cash

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