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Read moreWells Fargo Active Cash® review (2026): is 2% flat cash back worth it?
We break down the Active Cash card's 2% rewards, its costs and its 0% intro offer, and show how it compares with two other popular no-fee cards.
CardJolt is independent. We may earn a commission when you apply through our links, but it doesn't change our analysis. Rates and terms come from the issuer and can change.
The short answer
Rates and fees
- Regular APR: 18.74%, 24.74% or 28.74% variable, depending on your credit
- 0% intro APR for 12 months on purchases and qualifying balance transfers
- Balance transfers need to happen within 120 days for the intro rate; a fee applies
- Foreign transaction fee: 3%
- No annual fee
- Official Wells Fargo terms and conditions
Perks and protections
- Cell phone protection up to $600 when you pay your phone bill with the card ($25 deductible)
- Secondary auto rental collision damage waiver
- Visa Signature Concierge and Luxury Hotel Collection perks
- Free FICO® score access through Credit Close-Up
Pros and cons
Pros
2% cash rewards on every purchase, no cap
$0 annual fee
Easy $100 bonus to reach
Built-in cell phone protection
Cons
Only 12 months at 0% intro APR
Charges 3% on foreign transactions
No way to earn more than 2%
Our full take
The pitch is simple. Every eligible purchase earns 2% in cash rewards, with no rotating categories and no cap, and your rewards don't expire while the account stays open. You can take them as a statement credit, a Wells Fargo deposit, gift cards or at PayPal checkout.
Spend $500 in the first 3 months and you'll get a $100 bonus. You also get 12 months of 0% intro APR on purchases and qualifying balance transfers, then a variable APR tied to your credit.
» RELATED: Go to the official Wells Fargo site
Quick facts
Network: Visa Signature
Earn rate: 2% cash rewards on purchases
Bonus: $100 after $500 in 3 months
Intro APR: 0% for 12 months
Annual fee: $0
How it stacks up
Wells Fargo Active Cash® Card
Chase Freedom Unlimited®
Discover it® Cash BackRates and terms taken from each issuer's official site on 09/23/2026. Regular APRs are variable.
Is it the right card for you?
Go with Active Cash if you want to earn well on everything without thinking about it.
If you spend heavily on dining or plan to carry a balance for longer than a year, check the other cards in our comparison.
Want more time at 0%? Discover it Cash Back gives you 15 months and doubles your first-year cash back.
Apply online