Active Cash®: Unlimited 2% Cashback on Every Purchase
Earn unlimited 2% cashback on all purchases, making it a strong everyday card for simple, consistent rewards.
The Bottom Line
4.5
BIG4CREDIT RANKING
Our 5-star rating is based on Big4credit’s independent, data-driven scoring system.
Each card is evaluated across multiple weighted categories – including rewards,
fees, welcome offers, 0% intro APR, ongoing APR, perks, benefits, and protections.
Ratings are determined solely by our research and analysis and are never influenced
by card issuers or advertisers. Read about our ranking system in the
Credit Card Ranking & Methodology section.
Wells Fargo Active Cash is a great option if you want simple, unlimited cashback with no annual fee. It earns a flat 2% cash rewards on every purchase, so there’s nothing to track or activate. The welcome bonus and intro APR offer add extra value, especially for larger purchases or balance transfers. It’s not the best choice if you’re looking for travel perks or high bonus categories. If you want straightforward, predictable rewards with zero effort, this card is a strong everyday pick.
Active Cash®
Apply now
On Wells Fargo's Secure Website
Annual fee:
$0
Intro APR
Purchases: 0%, 12 months
Balance Transfers: 0%, 12 months
Regular APR
18.49% - 28.49% Variable APR
Credit Score
670-850 (Good/Excellent)
Rewards unlimited 2% cashback on all purchases.
2% Cashback
Welcome Offer Earn a $200 bonus after spending $500 in the first three months.
$200
Welcome Offer
- Earn a $200 bonus after spending $500 in the first three months.
Rewards
- 2% Cashback on all purchases.
Redemption Options
- Flexible Redemption: Redeem rewards for cash, gift cards, eligible purchases, PayPal checkout, and more.
Fees and APR
- Annual Fee: $0.
- 0% Intro APR on Purchases and Balance Transfers: Enjoy 0% intro APR for 12 months from account opening. To qualify for the balance transfer offer, transfers must be completed within the first 120 days.
- Regular APR: After the introductory period, a variable APR of 18.49% - 28.49% applies to purchases and balance transfers.
- Intro Balance Transfer Fees: $5 or 3% of the transfer amount, whichever is greater, for balance transfers made within the first 120 days.
- Regular Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater, for balance transfers made after the introductory period ends.
- Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.
Travel Benefits
- Visa Signature® Luxury Hotel Collection: Access to participating hotels offering benefits such as room upgrades when available, daily breakfast for two, and select on-property credits when booking through the Visa Luxury Hotel Collection portal (terms apply).
Travel Protections
- Auto Rental Coverage: Get reimbursement for theft and collision damage when you decline the rental company’s coverage and pay in full with your card. Coverage is secondary and provides reimbursement up to $50,000.
Travel & Emergency Assistance
- Roadside Assistance: Dispatch service available; service fees apply.
- Travel & Emergency Assistance: Access to emergency referral and coordination services while traveling (service referrals only; costs not covered).
- Emergency Card & Cash Assistance: 24/7 emergency card replacement and cash advance services (fees and interest may apply).
Purchase Protections
- Cell Phone Protection: Get up to $600 of protection against damage or theft when you pay your monthly cell phone bill with your eligible card. Coverage is subject to a $25 deductible.
Lifestyle Perks
- Visa Signature Concierge: 24/7 concierge assistance for travel planning, dining reservations, event tickets, and other services (availability and outcomes not guaranteed).
Shopping & Savings
- My Wells Fargo Deals: Access personalized offers from popular merchants and earn cashback as a statement credit when you activate a deal and use your eligible Wells Fargo credit card.
Additional Features
- Credit Close-Up®: A free tool that helps you monitor your credit score and receive credit alerts.
Terms and Conditions
- Click Apply Now to see the terms and conditions.
EarnSmart Rewards Strategy
- Citi Custom Cash®: Earn 5% cashback on your top eligible spending category each billing cycle (up to the cap), making it a strong complement to Active Cash®’s unlimited 2% baseline for everyday purchases. 👉 Learn more about Citi Custom Cash®.
- Discover it®: Earn 5% cashback on rotating quarterly categories (activation required), providing opportunities to boost returns beyond Active Cash®’s flat 2% rate. 👉 Learn more about Discover it®.