Wells Fargo Active Cash® Card
Secure unlimited 2% cash back with zero annual fees, premium Visa Signature benefits, and reliable cell phone protection.
Uncapped 2% Cash Back
Effortlessly earn a flat 2% cash reward on every single purchase without the hassle of tracking complex, rotating categories.
Zero Annual Fees
Keep all the rewards you earn. This card delivers premium lifestyle and travel benefits without charging you a yearly maintenance fee.
Exciting Welcome Offer
Jumpstart your earnings with a lucrative introductory bonus, achievable by meeting a straightforward spending goal during your first three months.
Premium Protections
Gain peace of mind with built-in cell phone coverage, zero liability for unauthorized transactions, and exclusive Visa Signature shopping and travel perks.
What Makes the Wells Fargo Active Cash® Card a Top Choice?
The Wells Fargo Active Cash® Card truly shines as a top-tier flat-rate rewards card. Its biggest advantage is absolute simplicity—every transaction automatically yields 2% cash back. There’s no need to memorize rotating categories or opt into quarterly programs, making it the perfect everyday credit card for those who want effortless, straightforward rewards.
Beyond the consistent cash back, new users are greeted with an attractive welcome bonus that provides an immediate financial boost. Everyday utility is further enhanced by robust cell phone protection (simply pay your phone bill with the card) and the extensive suite of Visa Signature travel and shopping safeguards.
Best of all, these premium features come with absolutely no annual fee. While many competing cards charge yearly dues for similar perks, the Active Cash® Card remains entirely free to hold, maximizing your long-term value alongside competitive introductory APR offers for balance transfers and new purchases.
-
What credit score is required for approval?
Generally, applicants need a "Good" to "Excellent" credit history to qualify. This typically translates to a FICO credit score of 670 or higher.
-
Are there any annual fees?
No, this card features a $0 annual fee, allowing you to maximize your cash back earnings without worrying about hidden holding costs.
-
How do I redeem my accumulated cash rewards?
Redemption is highly flexible. You can apply your rewards as a direct statement credit, transfer them to a Wells Fargo checking or savings account, or even withdraw cash in $20 increments at any Wells Fargo ATM.
-
Does this card charge foreign transaction fees?
Yes, there is a standard 3% foreign transaction fee applied to international purchases. While it is a powerhouse for domestic spending, you might want to use a different card when traveling overseas.
-
What security and protection benefits are included?
Cardholders enjoy highly valuable cell phone protection against damage and theft, zero liability protection against unauthorized charges, and the premium suite of travel and purchase protections that come standard with Visa Signature.
Steps to Apply for the Wells Fargo Active Cash® Card
Getting your hands on the Wells Fargo Active Cash® Card is a quick and streamlined process. You can apply directly through the official Wells Fargo website in just a few minutes. Make sure you have your personal details ready, including your full legal name, physical address, Social Security Number, and current income information to facilitate the credit review.
Thanks to their modern automated system, many applicants receive an instant decision upon submission. Once approved, you can expect your new physical card to arrive by mail within 7 to 10 business days. After it arrives, activation is a breeze via the Wells Fargo mobile app, the online banking portal, or a quick phone call.
If you are already a Wells Fargo customer—whether you hold a checking account or an active loan—the application process can be even smoother as the bank already has a relationship with you. Alternatively, if you prefer face-to-face assistance, you can easily walk into any local Wells Fargo branch and complete the application with the help of a representative.