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Wells Fargo Active Cash Card card art
Wells Fargo · active cash

Wells Fargo Active Cash Card

4.6 / 5
Cash back · Personal card

The simplest good card in the market. 2% on everything with no fee. The 3% foreign transaction fee makes it a poor pick abroad.

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At a glance

Issuer terms
Welcome bonus
$200 cash
Spend $500 in 3 months
Annual fee
$0
Purchase APR
19.49% to 29.49%
Intro: 0% for 12 months
FX fee
3%
BT intro: 0% for 12 months
Rates accurate as of
Editorial

Our take

The simplest good card in the market. 2% on everything with no fee. The 3% foreign transaction fee makes it a poor pick abroad.

Verdict

Pros & cons

Pros

  • Unlimited 2% cash back
  • No annual fee
  • Cell phone protection

Cons

  • 3% foreign transaction fee
  • No travel protections
  • No transfer partners
Earnings

Earn rates

CategoryRateNotes
All purchases2%Unlimited 2% cash rewards on purchases.
Benefits

Key benefits

Flat 2% on everything

No categories to track, no caps.

Cell phone protection

Up to $600 per claim when you pay your phone bill with the card.

Fit

Who this is best for

  • People who want one card and zero thought
  • Pairing with a category card for non-bonus spend
FAQ

Frequently asked questions

What is the Active Cash welcome bonus?
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
Does the Active Cash charge an annual fee?
No. The Active Cash has a $0 annual fee.
Does the Active Cash have a foreign transaction fee?
Yes. The Active Cash charges a 3% foreign transaction fee on purchases made outside the US.
Does the Active Cash offer a 0% intro APR?
Yes. The card offers an intro APR of 0% for 12 months on purchases. The ongoing purchase APR is 19.49% to 29.49% variable.
Who is the Active Cash best for?
People who want one card and zero thought. Pairing with a category card for non-bonus spend.
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Wells Fargo Active Cash Card

Spend $500 in 3 months
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Rates accurate as of June 10, 2026. Issuer terms.