Wells Fargo Active Cash Card Overview

Unlimited cash rewards of 2%. — Cardholders earn unlimited 2% cash rewards on purchases, with no activation categories or tracking earnings limits.

There are other cards that offer higher cash back rates for certain categories, and while they can pay off, they require more effort. And they are often also restricted and limited in the purchases they apply to. The Wells Fargo Active Cash® Card is perfect for someone who wants an easy-to-use card that still offers great rewards: You’ll earn best-in-class flat rewards right away on your purchases—no limits or hoops to jump through.

Welcome offer of $200 cash — New Wells Fargo Active Cash® cardholders can earn a $200 welcome cash back if they spend just $500 on purchases in the first three months. Not only is this a very competitive sign-up bonus for a card with no annual fee, but it’s also one of the things that sets this Wells Fargo credit card apart from other 2% cash back cards. We have yet to come across another credit card with 2% unlimited cash rewards that also has a sign-up bonus.

15 months from account opening 0% APR introductory offer — New cardholders can enjoy 0% introductory APR on both new purchases and qualifying balance transfers for a full 15 months from account opening. (After that period, a rate of 20.24%, 25.24%, or 29.99% variable APR applies.) That’s a great deal, even compared to cards that only sell for 0% intro APR . This means this card will allow you to avoid interest on purchases and balance transfers until 2025!

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

No annual fee — In many cases, high award rates mean high annual fees. Not with the Wells Fargo Active Cash® Card, which has a $0 annual fee.

Mobile phone protection — With the cost of a typical cell phone in the hundreds of dollars, having some type of insurance is a good idea. With this Wells Fargo card, you can get up to $600 in built-in cell phone protection just by paying your cell phone bill with your card. Coverage is subject to a $25 deductible.

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