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Wells Fargo Active Cash® Card

$200 cash rewards

Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

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Annual Fee

Rewards

Earn a $200 cash rewards bonus after spending $500 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, 19.99% - 29.99% Variable APR after that

Balance Transfer

0% intro APR for 15 months from account opening on qualifying balance transfers, 19.99% - 29.99% Variable APR after that

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

WalletHub Review

by John Kiernan

May 19th, 2023

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

The Wells Fargo Active Cash® Card is a good credit card for people with a credit score of 700 or higher who want to earn above-average rewards without any hassle and without paying an annual fee. Wells Fargo Active Cash also is worthwhile for people interested in 0% introductory APRs... show more

View 98 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 19.99%, 24.99%, or 29.99% 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 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).

Select "Apply Now" to learn more about the product features, terms and conditions

Apply Now

at Wells Fargo's secure site

Wells Fargo Active Cash Card FAQ

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.

Is the Wells Fargo Active Cash Card a credit card?

Upvotes

Chip Lupo, Credit Card Writer

Yes, the Wells Fargo Active Cash® Card is a credit card. The Wells Fargo Active Cash Card has an annual fee of $0, works wherever Visa is accepted, reports to the credit bureaus, and allows you to pay off purchases over time. There are quite a few important things to know about the card before you apply, though.

Key Facts About the Wells Fargo Active Cash Card

Issuer: Wells Fargo
Network: Visa
Credit requirement: Good credit
Annual fee: $0
APR: 19.99% - 29.99% Variable
Foreign transaction fee: 3%
Rewards: 2% cash rewards

To sum things up, Wells Fargo Active Cash Card is a credit card, but it may or may not be the best credit card for you depending on your needs, qualifications and spending habits. You can learn more about this card from WalletHub's full review.

How can I redeem my Wells Fargo Active Cash card rewards?

Upvote

Maria Adams, Credit Cards Moderator

The easiest way you can redeem your Wells Fargo Active Cash card rewards is through the Wells Fargo rewards portal. You can also redeem your rewards by using the Wells Fargo mobile app, calling (877) 517-1358, or at an ATM.

How to Redeem Wells Fargo Active Cash Card Rewards

Wells Fargo rewards portal: Visit the Wells Fargo rewards portal...

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 cash rewards initial bonus. To get this Wells Fargo Active Cash promotion, cardholders must make $500 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.

...

Is the Wells Fargo Active Cash Card a good first time credit card?

Upvotes

Chip Lupo, Credit Card Writer

No, the Wells Fargo Active Cash® Card is not a good first-time credit card because it is only available to people with good credit or better. People who've never owned a credit card are unlikely to get approved unless they've built good credit through other means. There are plenty of good first-time credit cards on...

What credit score do you need for the Wells Fargo Active Cash card?

Upvotes

Maria Adams, Credit Cards Moderator

The credit score needed for the Wells Fargo Active Cash card is 700 or better. That means people with at least good credit have a shot at getting approved for this card.

You should note that while your credit score is an important factor, there are plenty of other things that will impact...

View more answers

How does the Wells Fargo Active Cash card's extended warranty work?

Upvotes

Kendall Morris, Credit Cards Moderator

The Wells Fargo Active Cash doesn't offer extended warranty. It only comes with benefits such as:

Cellphone protection
Concierge services
Travel and emergency assistance
Roadside dispatch
Emergency cash disbursement and card replacement

There are plenty of credit cards on the market offering extended warranty, though. If...

Is it hard to get a Wells Fargo Active Cash card?

Upvotes

Sebi Mitchell, Credit Cards Moderator

Yes, it is hard to get the Wells Fargo Active Cash® Card because it requires at least good credit for approval. 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...

View more answers

Is Wells Fargo Active Cash Card a cash back credit card?

Upvotes

Adam McCann, Financial Writer

Yes, the Wells Fargo Active Cash card is a cash back credit card, which gives 2% cash rewards on purchases. The card also offers an initial bonus of $200 cash rewards after spending $500 in the first 3 months after account opening. Once you earn cash back on your Wells Fargo Active Cash,...

How do you get a Wells Fargo Active Cash replaced?

Upvotes

Chip Lupo, Credit Card Writer

To get a Wells Fargo Active Cash replaced, log in to your online account, use the Wells Fargo mobile app, or call customer service at 1 (800) 642-4720. There is no fee to get a Wells Fargo Active Cash replacement card, which should arrive within 7-10 business days.

How to Get a Wells Fargo Active Cash...

What is the Wells Fargo Active Cash Card interest rate?

Upvotes

Sebi Mitchell, Credit Cards Moderator

The Wells Fargo Active Cash® Card interest rate is 19.99% - 29.99% Variable, with the actual rate depending on factors such as your income, credit history and existing debt. The Wells Fargo Active Cash card also offers new cardholders an introductory interest rate of 0% for 15 months from account opening on purchases and ...

Compare The Wells Fargo Active Cash

Wells Fargo Active Cash® Card

Blue Cash Preferred® Card from American Express

(98)

(1,572)

Purchase Intro APR0% for 15 months from account opening

Purchase Intro APR0% for 12 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 APR0% for 12 months|Transfer Fee: 3% (min $5)

Regular APR19.99% - 29.99% Variable

Regular APR18.99% - 29.99% (V)

Rewards Rate2% Cash Rewards

Rewards Rate1 - 6% Cash Back

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Rates & Fees

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Rates & FeesTerms Apply

Wells Fargo Active Cash Reviews

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

2.9

What's Your Rating?

Curtodc
April 6, 2023 • @Curtodc

I can’t get them to tell me What are the Eligibile Things I can charge for the 2% back. That’s important for me with large purchases.

Comment

Andrew
March 21, 2023 • @andrewcjeter

Verified Customer

Very easy to pay off and manage through the Wells Fargo app. Only downside is that you need to redeem cash back in $25 increments to account, or $20 increments to cash from an ATM.

Comment

rickz2675
March 10, 2023 • @rickz2675

$200 bonus for spending $1000 in 3 months should be good deal. In reality, they denied my application, claiming inability to verify my ID despite my credit report that they pulled matching me. I'm a 16-year homeowner at same address with credit score in the 830s and no derogatories. When I asked what the problem is, they told me to send them copies of a govt. ID and 2 others showing my name and address. I did this, which matched the same info they already had on my credit report, through a local bank branch and they still denied me, still claiming they couldn't verify my ID. So the offer sounds like a good one, but the people processing and servicing it, perhaps not so much. Be wary.

Comment

kevin
February 21, 2023 • @kevin_103007

Verified Customer

good card to carry works every where and can add out of county use if leaving the states, also opened a checking account and both tied together with points and rewards togethers

Comment

Ryan P Page
January 31, 2023 • @ryan_page

The card's 2% cash back on everything makes it a solid choice for earning on everyday purchases. Also the initial bonus is pretty easy to attain with consistent spending.

Comment

Cristina Cristina
January 27, 2023 • @criamat

They are a scam. I applied to this card because the advertised bonus, i did the 1000$ purchases required but no bonus was credited. I contacted by phone ( they do not allow emails) and was told i have to wait 2billing cycles. After 5monrhs i called again, been transferred to 5 different people that no nothing about the cash back wasted hours on the phone and after a month i got a message that unless i had a screen shot while I was filling the promotion i did not have any proof that there was a promotion in my application, beside is clear in the first month i spend a little more than 1000 and after i pause the use of the card. The only reason I applied was the bonus. There are way better cards out there with way better rewards ( Citi 1+1 redeemable any amount and Citi 5% any category with higher spending)
Wells Fargo customer service suck and is only by phone.

Comment

David
January 16, 2023 • @dsolis73

Verified Customer

I use it for everything else not covered by my other cards as a catch all for 2% back on my purchases. I never touch my debit card

Comment

gendos
January 4, 2023 • @gendos

Customer disservice at its “best”. No wonder they are always in trouble with regulators. This outlet should be shut down. Feel sorry for the investors in this sham of a “bank”

Comment

Jeremy Szczepanski
December 26, 2022 • @hiddenexpose

If you do not have a checking account with WF you can only make 3 payments per statement cycle with non-WF bank accounts. Extremely frustrating. You want to redeem your rewards? $25 minimum and its $25 increments as a snail-mail paper check. Example: $63 in rewards, you can request only $50 which takes over a week to arrive in the mail. No direct deposit. How about redeem rewards for purchases? You sure can! But it must cover the entire purchase, so if you have $63 in rewards and the purchase was $63.01 it would not be allowed, or you could cover two purchases that equal the same amount in rewards or less. Example: $50 purchase and $13 purchase would count as one. Rewards also take multiple days after statement (even with zero balance) to magically appear in your rewards account. Frustrating hoops and ladders.

Comment

ryanw327
November 29, 2022 • @ryanw327

Verified Customer

We use this card for everything literally everything. Initially got it for the 300 bonus and 2% cash back. Was given a high limit but again we put everything on this card, seems like a six figure household that pays the bill on time every month with exceptional credit can't get an increase. Does WF have a max limit they will give?
30k limit hitting 22-25% utilization on the card each month and they won't give me an increase. Overall utilization is around 4% across all the cards. WF, about to churn you out of the mix...

Comment

Review Wells Fargo Active Cash® Card

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Offer last updated: May 19th, 2023 at 17:52 ET

Wells Fargo Active Cash® Card

Wells Fargo Active Cash® Card

Accepted Credit Scores

Annual Fee

Rewards

APR on Purchases

Balance Transfer

WalletHub Review

Wells Fargo Active Cash Pros & Cons

Wells Fargo Active Cash Review

Wells Fargo Active Cash's Additional Info

Wells Fargo Active Cash Card FAQ

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