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Wells Fargo

Active Cash Credit Card

Active Cash Credit Card card art

Estimated value every year on typical spending

$624/ year

Every year, after the annual fee. Year one adds a $100 welcome bonus: $724

+$624rewards+$0credits & perks−$0annual fee

Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.

Credits & perks, at estimated real use: Cellular Telephone Protection (not counted)

Carry a balance? At 20%+ APR, interest usually costs more than any card earns.

Find the best card for your spending Try it on your spendingCompare with another cardVisit Wells Fargo

Is it worth it?

With no annual fee, the Wells Fargo Active Cash Credit Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $624 a year on typical spending. The welcome bonus adds roughly $100 in the first year.

The fine print

Intro APR
0% for the first 12 months
Regular APR
18.74% to 24.74% variable
Foreign fee
3%
Top perk
Cellular Telephone Protection
Approval
Good credit recommended
Redeem for
Statement credit · Direct deposit · Gift cards

Rewards

  • 2% cash rewards on purchases with no categories to track or quarterly activations

Sign-up bonus

$100 cash rewards bonus when you spend $500 in purchases in the first 3 months

Best for

  • Simple flat-rate cash back
  • Keeping costs at $0

Not ideal for

  • Frequent international travelers

Trade-offs: Simple and low-cost ↔ not a rewards maximizer.

Worth knowing

Annual fee
$0
Intro APR
0% for the first 12 months
Regular APR
18.74% to 24.74% variable
Balance transfer fee
3% of each transfer ($5 minimum) for the first 4 months, then 5%
  • $1200/mo on everyday spending earns about $288/year (2%).

Offer history

No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.

All recent card changes

Active Cash Credit Card: questions people ask

Is the Wells Fargo Active Cash Credit Card worth it?

With no annual fee, the Wells Fargo Active Cash Credit Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $624 a year on typical spending. The welcome bonus adds roughly $100 in the first year.

What is the Wells Fargo Active Cash Credit Card annual fee?

The Wells Fargo Active Cash Credit Card has no annual fee ($0).

What is the Wells Fargo Active Cash Credit Card welcome bonus?

$100 cash rewards bonus when you spend $500 in purchases in the first 3 months. We value it at about $100. We check the issuer's page daily; it hasn't changed since we started tracking on Oct 26, 2026.

What does the Wells Fargo Active Cash Credit Card earn?

2% cash rewards on purchases with no categories to track or quarterly activations.

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

The issuer doesn't say; we'd class it as: good credit recommended. Checking your matches on CardFit never runs a credit check.

Does the Wells Fargo Active Cash Credit Card charge foreign transaction fees?

Yes: 3%.

Does the Wells Fargo Active Cash Credit Card have a 0% intro APR?

0% for the first 12 months. After that the regular APR is 18.74% to 24.74% variable.

Compare Active Cash Credit Card

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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Wells Fargo product page. Terms change often; confirm them with the issuer before you apply.