Reviewed by the editorial team
Apply on official site ↗You'll be taken to Wells Fargo's secure website.
⚖ Add to comparisonWells Fargo · Visa
Wells Fargo Active Cash Card
If you want one card that pays well on everything with no fee, this is the flat-rate benchmark: 2% on all purchases, full reward up front, no waiting until you pay like the Citi Double Cash. On $20,000 of spend that's a clean $400. It also bundles cell-phone protection when you pay your phone bill with it. The downside is no elevated category rates, so a heavy grocery or dining spender earns more with a category card. Verify the intro-APR length on wellsfargo.com.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓Flat 2% on everything
- ✓Protection for your cell phone
- ✓Stretch of 0% intro APR
👍 Pros
- + No annual fee
- + Flat 2%
- + Cell phone insurance included
👎 Cons
- – Charges a foreign purchase fee
Can you get it?
- ▸A good credit score
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
Decided on the Wells Fargo Active Cash Card?
Finish your application on Wells Fargo's own secure site.
Apply now ↗Was this helpful?
Put it up against similar cards
Chase Freedom Unlimited
Chase
A solid no-fee everyday card, but its real value shows up only when you also hold a Sapph…
Chase Freedom Flex
Chase
Worth it only if you'll remember to activate the 5% rotating categories each quarter; mis…
Blue Cash Preferred Card from American Express
American Express
For grocery-heavy households this beats most flat-rate cards, paying 6% at U.S. supermark…
Guides that mention this card
0% APR or Cash Back: Which Should You Prioritise?
Carrying a balance? Take the 0% APR card. Paying in full every month? Take cash back. Here's the ma…
Read guide →
0% Purchase vs 0% Balance Transfer: Which Card?
Got debt to shift? Take a 0% balance transfer card. Funding new spending? Take a 0% purchase card.…
Read guide →
Annual Fee vs No Annual Fee: When Paying Actually Wins
An annual fee only pays off if your real spending earns back more than the fee plus a comparable fr…
Read guide →Questions & Answers
No questions yet. Be the first to ask!
Comments (0)
No comments yet. Share your experience!