Wells Fargo Active Cash® Card - Top Selling Card in US

The Wells Fargo Active Cash® Card is a top-tier choice for those seeking a straightforward, high-reward credit card without the hassle of annual fees or rotating categories. With unlimited 2% cash back on all purchases, a generous sign-up bonus, and a suite of valuable benefits, it's designed to fit seamlessly into your financial lifestyle.​

💳 Key Features at a Glance

• Annual Fee: $0

• Rewards Rate: Unlimited 2% cash back on all purchases

• Intro APR: 0% for 12 months on purchases and qualifying balance transfers; thereafter, 19.24%–29.24% variable APR

• Sign-Up Bonus: $200 cash rewards after spending $500 in the first 3 months

• Foreign Transaction Fee: 3%

• Credit Requirement: Good to excellent credit (typically 700+)​

💰 Rewards & Redemption

The Active Cash® Card offers a flat 2% cash back on every purchase, eliminating the need to track spending categories or activate quarterly bonuses. This simplicity makes it an excellent choice for everyday use.​

Redemption Options:

• Statement Credits: Apply rewards directly to your credit card balance.

• Direct Deposit: Transfer rewards to a Wells Fargo checking or savings account.

• ATM Withdrawal: Withdraw cash rewards in $20 increments at Wells Fargo ATMs (requires a Wells Fargo ATM or debit card).

• Gift Cards & Travel: Redeem for a variety of gift cards or travel through the Wells Fargo Rewards® portal.​

🛡️ Additional Benefits

• Cellular Telephone Protection: Up to $600 protection against damage or theft when you pay your monthly cell phone bill with the card (subject to a $25 deductible).

• Auto Rental Collision Damage Waiver: Coverage for damage due to collision or theft when you rent a car using your card and decline the rental company's insurance.

• Travel and Emergency Assistance Services: Access to emergency assistance services, including medical and legal referrals, while traveling.

• Roadside Dispatch®: 24/7 access to roadside assistance services without membership requirements.

• Zero Liability Protection: You're not held responsible for unauthorized transactions if you report them promptly.

• My Wells Fargo Deals: Personalized cash back offers from various merchants, activated through your online account.

• Visa Signature® Concierge: Complimentary 24/7 concierge service for travel planning, dining reservations, and event ticket bookings.

• Visa Signature® Luxury Hotel Collection: Access to exclusive benefits at select luxury hotels worldwide.

📱 Digital Tools & Account Management

• Wells Fargo Mobile® App: Manage your account, pay bills, and monitor transactions on the go.

• Credit Close-Up®: Free access to your FICO® Score and credit insights without impacting your credit score.

• Digital Wallet Compatibility: Add your card to Apple Pay®, Google Pay™, or Samsung Pay for secure, contactless payments.

• Online Banking: Enroll in Wells Fargo Online® for comprehensive account management.​

🏆 Awards & Recognition

The Wells Fargo Active Cash® Card has been recognized for its exceptional value:​

• Best Overall Credit Card by Real Simple and Investopedia in the 2024 Smart Money Awards.

✅ Is It Right for You?

The Active Cash® Card is ideal if you:​

• Prefer straightforward, flat-rate cash back without tracking categories.

• Want a card with no annual fee and a competitive rewards rate.

• Seek additional perks like cell phone protection and travel assistance.

• Have good to excellent credit and want a reliable everyday card.​

However, if you frequently travel internationally, be mindful of the 3% foreign transaction fee. In such cases, a card without foreign transaction fees might be more suitable.​

📝 How to Apply

Ready to start earning unlimited 2% cash back on all your purchases?​

👉 Apply for the Wells Fargo Active Cash® Card

For a visual overview and additional insights, check out this video review:​