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
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Wells Fargo Active Cash® Card

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

Apply for this card

Apply now or check the details from bank source.

Apply NowSource / Reference
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FieldWells Fargo Active Cash® CardAmex Blue Cash Everyday® Card
Bank/providerWells Fargo BankAmerican Express
Joining fee$0$0
Renewal fee$0 annual fee$0 annual fee
Best forEveryday spending, flat-rate cashback, beginners who want simple rewards, people who do not want to track bonus categoriesGroceries, gas, online shopping, everyday U.S. spending, users who want cashback without paying an annual fee
Reward rateUnlimited 2% cash rewards on purchases
  • 3% cash back at U.S. supermarkets on up to $6,000 per year, then 1%
  • 3% cash back on U.S. online retail purchases on up to $6,000 per year, then 1%
  • 3% cash back at U.S. gas stations on up to $6,000 per year, then 1%
  • 1% cash back on other eligible purchases;
Cashback2% cash rewards on eligible purchasesCash back is earned as Reward Dollars and can be redeemed as statement credit
Lounge accessNo Included airport lounge accessNo Included airport lounge access
Fuel surcharge waiverNot applicable / No specific fuel surcharge waiverNot applicable / No specific fuel surcharge waiver
Welcome benefitEarn a $200 cash rewards bonus when you spend $500 in purchases in the first 3 monthsWelcome offer may be as high as $200 cash back after spending $2,000 in purchases within the first 6 months, depending on current offer eligibility and application channel
Annual fee waiver conditionNot required because the annual fee is $0Not required because the card has a $0 annual fee
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
  • Best suited for U.S. applicants with a good credit profile
  • Approval depends on American Express underwriting, credit history, income, debt obligations, identity verification, and other factors
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