Wells Fargo Active Cash
Editor reviewedFlat 2% on everything plus an easy $200 bonus and free phone insurance
Rates verified July 23, 2026Apply nowTracked since2026
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The Bottom Line
Annual fee
$0
Biggest pro
2% flat plus an easy $200 bonus
Biggest con
3% foreign transaction fee
At a glance
Rates verified July 23, 2026- Annual fee
- $0
- Rewards
- 2% cash rewards on everything
- Welcome bonus
- $200 after $500 in 3 months
- Regular APR
- 18.49%, 24.49% or 28.49% variable
- Intro APR
- 0% for 12 months on purchases and qualifying balance transfers
- Recommended credit
- good (670+)
- Issuer
- Wells Fargo
- Network
- Visa (Signature)
Is it worth it?
No annual fee, so rewards are pure upside
There is no annual fee to earn back, so every dollar of rewards is money ahead. Weigh the regular APR before carrying a balance, since interest quickly outweighs any rewards.
What is Wells Fargo Active Cash?
The easiest good decision in credit cards: flat 2% plus $200. It combines the benchmark flat rate with the simplest bonus in the 2% tier, something the Citi Double Cash cannot match on ease, and throws in cell phone protection at no fee.
There is no annual fee, a 0% intro APR for 12 months on purchases and qualifying balance transfers, and a regular APR of 18.49%, 24.49% or 28.49% variable. Earning: 2% cash rewards on everything. The welcome bonus is $200 after $500 in 3 months. Cell phone protection applies when you pay your bill with the card, and Visa Signature perks are included.
The catch: a 3% foreign transaction fee, and the rewards ecosystem is shallow unless paired with an Autograph for transfers.
Pros & Cons
Pros
- 2% flat plus an easy $200 bonus
- Phone insurance at $0
Cons
- 3% foreign transaction fee
- Rewards ecosystem shallow without Autograph pairing
Key details
2% cash rewards on everything$200 bonus after $500 in 3 months0% intro APR for 12 months on purchases and qualifying balance transfersCell phone protection (with bill paid on card)Visa Signature perks
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Wells Fargo Active Cash FAQ
What is the annual fee on the Wells Fargo Active Cash?
There is no annual fee.
What is the current welcome bonus?
$200 after spending $500 in the first 3 months, the easiest bonus in the 2% flat-rate tier.
What credit score do you need?
Good credit, roughly 670 or higher.
Source: creditcards.wellsfargo.com