pointstopictures The Wells Fargo Active Cash Card is a simple and rewarding cash-back credit card with unlimited 2% cash rewards on all purchases. With no annual fee and a competitive welcome bonus, it is one of the best flat-rate cash-back cards available. This card also provides a 0% introductory APR, it may be good option for those planning significant purchases or looking to consolidate high-interest debt. However, it is a bad idea to carry balances on your credit card.
Card Details
- Rewards: This card gives you unlimited 2X miles on all purchases
- Sign-Up Bonus: $200 miles after spending $500 in the first 3 months.
The Good
- Unlimited 2% cash rewards on all purchases.
- No annual fee.
- Strong welcome bonus with a low spending requirement.
- 0% intro APR on purchases and balance transfers.
- Includes cell phone protection when you pay your monthly bill with the card
The Bad
- Wells Fargo Active Cash Card has no bonus categories for higher cash-back earnings.
Our Take
The Wells Fargo Active Cash Card is one of the best flat-rate cash-back cards available, thanks to its unlimited 2% rewards, no annual fee, and valuable perks like cell phone protection. It’s ideal for those seeking a straightforward rewards program without category tracking. However, if you prefer rotating or bonus categories for higher earnings, you may find better options elsewhere.
Q&A
Is the Wells Fargo Active Cash® Card worth it?
Yes, if you want a no-fuss cash-back card with a strong flat-rate rewards structure. It offers unlimited 2% cash back on all purchases and has no annual fee, making it a solid choice for those who prefer simplicity.
What credit score is needed for approval?
You’ll typically need a good to excellent credit score (around 700+ FICO) to qualify.
Does the card have foreign transaction fees?
Yes, the card charges a 3% foreign transaction fee, so it may not be the best option for international travelers.
Can you redeem rewards for statement credits?
Yes, rewards can be redeemed as statement credits, direct deposits, or even withdrawals at a Wells Fargo ATM.
How does this card compare to Citi Double Cash®?
Both cards offer 2% cash back, but the Citi Double Cash requires you to earn 1% at purchase and 1% when you pay off the balance, whereas the Wells Fargo Active Cash® provides 2% upfront.
