Wells Fargo Active Cash® Credit Card

Rewards Rate

Intro APR for 15 months on purchases and balance transfers.

$200

Cash rewards bonus after spending $500 in purchases within the first 3 months.

Cash back on every purchase (unlimited).

Welcome Bonus

The Active Cash® Card offers a compelling start: $200 cash rewards bonus after spending $500 in purchases within the first 3 months. Enjoy 0% intro APR for 15 months on purchases and balance transfers, making it ideal for big purchases or consolidating debt. (After the intro period, a variable APR of 20.24% to 29.99% applies.)

APR

19.49-29.49% Variable APR

Pro & Cons

Unlimited 2% cash back on all purchases
No annual fee
0% intro APR for 15 months on purchases and balance transfers
Seamless rewards redemption options

No elevated rewards for specific categories like travel or dining.
Foreign transaction fees apply, making it less ideal for international travelers.
Limited premium benefits compared to travel-focused cards.

Wells Fargo Active Cash® Credit Card

If you're seeking a simple yet rewarding cash-back card with no annual fee, the Active Cash® Card by Wells Fargo could be your go-to choice. Designed for everyday spenders who value ease and flexibility, this card ensures you get exceptional rewards with no hidden complexities.

no-credit

Capital One Platinum Secured Credit Card

Good for:

Building/Rebuilding Credit

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This card does not offer a rewards program.

cash-back

Capital One Quicksilver Cash Rewards

8.4

Good for:

Flat-Rate Cash Back

See your approval odds

1.5%

Up to 5% cash back on every purchase

$200

One-time cash bonus after spending $500 within 3 months of opening an account

Introductory APR for 15 months on purchases and balance transfers; balance transfer fee may apply

cash-back

QuicksilverOne Cash Rewards

Good for:

Flat-Rate Cash Back

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Cash back on hotels & rental cars booked through Capital One Travel.

1.5%

Unlimited cashback on every purchase.

Card Highlights

No Foreign Transaction Fees: Enjoy international purchases without worrying about extra charges—perfect for occasional travelers.
Straightforward 2% Cash Back: Earn 2% cash back on all purchases without the need to track categories or spending caps.
$0 Annual Fee: Unlike many rewards cards, there’s no annual fee, so all your rewards stay in your pocket.
Introductory APR Offer:Benefit from a 0% intro APR on purchases and balance transfers for 15 months (variable APR after that).
Cell Phone Protection: Coverage up to $600 against damage or theft when you pay your monthly phone bill with the card (subject to a $25 deductible).

Rewards Redemption

Redeeming your cash rewards with the Active Cash® Card is straightforward and versatile. You can apply your rewards as statement credits to offset purchases, deposit them directly into an eligible Wells Fargo account, or convert them into gift cards for your favorite retailers and experiences. Additionally, you can use your cash back rewards to make purchases through PayPal or Wells Fargo's Go Far® Rewards portal. This flexibility ensures you can easily maximize the value of your cash back without restrictions.

Card Terms, Rates and Fees

APR for Purchases: 0% intro APR for the first 15 months; after that, 20.24%–29.99% variable.
APR for Balance Transfers: 0% intro APR for the first 15 months; 20.24%–29.99% variable APR after the promo period. Balance transfers must be completed within 120 days to qualify for the intro rate.
APR for Cash Advances: 29.99% variable.
Fees:
- Annual Fee: $0.
- Balance Transfers: 3% for the first 120 days, then up to 5%.
- Cash Advances: $10 or 5%, whichever is greater.
- Foreign Transactions: 3%.
- Late Payment Fee: Up to $40.

Maximize Benefits and Avoid Fees

To make the most of the Active Cash® Card:
Take Advantage of the 0% Intro APR: Use the 15-month window to pay off large purchases or consolidate existing debt.
Pay on Time: Avoid late fees and maintain a strong credit score.
Redeem Rewards Strategically: Choose the redemption method that gives you the most value—whether statement credits or cash back.
Use for Everyday Spending: Since the card offers 2% cash back on all purchases, it’s an excellent option for regular expenses.

Qualification Requirements

Requirement	Description
Credit score & credit history	Good to excellent credit (typically 670+)
Income	Sufficient to cover monthly expenses
Job-status	Stable employment preferred
Citizenship/residency	US citizen or permanent resident
Age	18+ with a valid SSN or ITIN
Required documents	Valid ID and proof of income.

What Makes This Card Appealing?

The Active Cash® Card is an excellent choice for anyone seeking simplicity, cost-effectiveness, and flexibility in a rewards card. It's perfect for straightforward earning with unlimited 2% cash back on every purchase and no categories or caps to track. Its no-annual-fee structure, combined with a robust introductory APR offer, makes it highly cost-effective. Additionally, versatile redemption options, cell phone protection, and access to Wells Fargo’s Go Far® Rewards portal add to its appeal. For those who want a user-friendly card that delivers consistent value without extra costs, the Active Cash® Card is a standout option.

How to Apply

Getting started with the Active Cash® Card is a straightforward process designed to save you time. Follow these simple steps:

Visit Wells Fargo’s Website: Head to the official Wells Fargo website and locate the Active Cash® Card page. Click the “Apply Now” button to begin your application process.
Fill Out Your Personal and Financial Information: Complete the online form with your details, including your name, address, date of birth, Social Security number, and employment information. You’ll also need to provide financial details such as your annual income to help Wells Fargo determine your eligibility.
Review and Submit Your Application: Double-check all the entered information to ensure accuracy before submitting your application. Once you hit “Submit,” Wells Fargo will review your details.
Receive Your Decision: Many applicants receive an instant decision on their application. However, if additional verification is needed, it might take a few days. Once approved, you’ll receive your card in the mail within 7–10 business days.