Home World Review of Wells Fargo Active Cash Card

Review of Wells Fargo Active Cash Card


Unlimited 2% cash rewards — Cardholders can earn endless 2% cash rewards on purchases, without having to activate specific categories or keep track of earnings limits.

While there are other cards offering higher cash back rates on specific categories, obtaining those rewards requires more effort. Additionally, these cards often have caps and limitations on applicable purchases. The Wells Fargo Active Cash® Card is ideal for individuals seeking a hassle-free card that still provides lucrative rewards: you will immediately earn top-notch flat rewards on all your purchases without any restrictions.

$200 cash rewards sign-up bonus — New Wells Fargo Active Cash® Card holders who spend just $500 on purchases within the first three months can earn a $200 cash rewards sign-up bonus. This sign-up bonus is highly competitive for a card with no annual fee, and it sets the Wells Fargo credit card apart from other 2% cash back cards. We haven’t found any other credit card with 2% unlimited cash rewards and a sign-up bonus.

15-month 0% APR introductory offer — New cardholders can enjoy a 0% introductory APR on both new purchases and eligible balance transfers for a full 15 months. (After that period, a variable APR of 20.24%, 25.24%, or 29.99% applies.) This offer is exceptional, even compared to cards specifically marketed for a 0% introductory APR. It means this card allows you to avoid interest charges on purchases and balance transfers until 2025!

Remember that balance transfers must be made within the first 120 days to qualify for the reduced interest rate and lower balance transfer fee.

No annual fee — In many cases, high rewards rates are accompanied by high annual fees. However, the Wells Fargo Active Cash® Card has a $0 annual fee.

Cell phone protection — Given that the cost of a typical cell phone is in the hundreds of dollars, having insurance is prudent. With this Wells Fargo card, you can receive built-in cell phone protection of up to $600 simply by paying your cell phone bill using this card. Coverage is subject to a $25 deductible.

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