Wells Fargo Bank
Wells Fargo Active Cash® Card
A simple no-annual-fee U.S. cashback credit card offering unlimited 2% cash rewards on purchases, with no rotating categories or quarterly activation required.
cashbackBest for Everyday spending, flat-rate cashback, beginners who want simple rewards, people who do not want to track bonus categories
Apply Now
Highlights
Main benefits
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Pay for rental cars using an eligible card and get reimbursed for covered damage or theft.
- Available for covered Wells Fargo cardholders. Count on emergency assistance while traveling anywhere in the world.
- Roadside Dispatch®- Available whenever you're in need of a tow - for eligible Wells Fargo cardholders 24/7 with no membership required.
- Visa credit cardholders can get an emergency cash advance disbursed or a card replaced within one to three business days after issuer approval. Any cash advance fees and interest charges that are associated with your credit card account would apply.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It’s an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
- Unlimited 2% cash rewards on purchases.
- $0 annual fee.
- No rotating categories to activate.
- No cashback spending caps on regular purchases.
- $200 welcome bonus after qualifying spend.
- 0% intro APR for 12 months on purchases and qualifying balance transfers.
- Useful as a simple everyday cashback card.
- Visa Signature benefits may apply.
Fees
Fees and charges
Joining fee
$0
Renewal fee
$0 annual fee
Annual fee waiver
Not required because the annual fee is $0.
Who can apply
Eligibility
Best suited for applicants with good to excellent credit history in the U.S. Applicant generally needs U.S. identity, address, income details, and credit profile. Approval is subject to Wells Fargo’s underwriting.
Checklist
Documents required
- Government-issued ID
- Social Security Number or Individual Taxpayer Identification Number, where applicable
- U.S. residential address
- Income/employment details
- Date of birth
- Contact details
Process
How to apply
1. Visit the official Wells Fargo Active Cash® Card page
2. Check current offer, APR, fees, and eligibility
3. Click “Apply now”
4. Fill in personal, income, and contact details
5. Submit the application and wait for approval decision
Value
Reward and cashback structure
Reward rate
Unlimited 2% cash rewards on purchases
Cashback
2% cash rewards on eligible purchases
Good fit
Pros
- Simple unlimited 2% cashback structure
- No annual fee
- Good welcome bonus with low spending requirement
- No quarterly activation needed
- Strong choice for everyday purchases
- Can pair well with category-based rewards cards
- Good beginner-friendly U.S. cashback card
Watchouts
Cons
- No airport lounge access
- No special travel bonus categories
- Foreign transaction fee may apply, so not ideal for international travel
- Requires U.S. credit eligibility
- No elevated cashback for groceries, dining, gas, or travel
- Not ideal for users who want premium travel perks
Related
Related cards
Compare
Compare Cards
| Field | Wells Fargo Active Cash® Card | Chase Sapphire Preferred® Card |
|---|---|---|
| Bank/provider | Wells Fargo Bank | Chase Bank USA |
| Joining fee | $0 | $95 annual fee |
| Renewal fee | $0 annual fee | $95 annual fee |
| Best for | Everyday spending, flat-rate cashback, beginners who want simple rewards, people who do not want to track bonus categories | Travel rewards, Chase Ultimate Rewards® points, dining, hotel bookings, international travel, beginners who want a serious travel card |
| Reward rate | Unlimited 2% cash rewards on purchases |
|
| Cashback | 2% cash rewards on eligible purchases |
|
| Lounge access | No Included airport lounge access | No Included airport lounge access |
| Fuel surcharge waiver | Not applicable / No specific fuel surcharge waiver | Not applicable / No specific fuel surcharge waiver |
| Welcome benefit | Earn a $200 cash rewards bonus when you spend $500 in purchases in the first 3 months | Welcome offer changes over time and may vary by user or channel. A commonly listed recent offer is bonus points after meeting a minimum spend requirement in the first 3 months, so check Chase’s official application page before publishing the exact number |
| Annual fee waiver condition | Not required because the annual fee is $0 |
|
| Eligibility |
|
|
| Apply link | Apply | Apply |