Wells Fargo Active Cash Card Review: Worth It?

Deals Points is part of an affiliate sales network and receives compensation for sending traffic to partner sites. Opinions and recommendations are ours alone. Terms apply to the offers. See our Advertising Disclosure for more information.

The Wells Fargo Active Cash® Card is a no annual fee card that earns 2% cash back on all purchases, and offers cell phone protection and Visa Signature benefits.

This credit card review will cover everything you need to know about this card to determine if you should add this card or a different card to your wallet. Let’s dive right in.

Wells Fargo Active Cash
  • bonus_miles_full
  • Unlimited 2% Cash Rewards on Purchases
  • 0% Intro APR for 15 Months
  • Cell Phone and Zero Liability Protections
  • No Annual Fee

Learn More
Non-affiliate link.

Welcome Bonus for Active Cash

The  Active Cash Card currently offers the following welcome bonus:


Earning Cash Back

The Active Cash Card earns a simple 2% cash back on all eligible purchases, allowing you to purchase something without worrying about categories or quarterly activations.

No Annual Fee

The Active Cash Card has no annual fee.

Active Cash Card Benefits and Perks

The Active Cash Card doesn’t offer a lot of benefits, mainly because it’s a no-annual-fee card. However, cardholders can still enjoy the following benefits below:

0% Intro APR: Enjoy 0% Intro APR for 15 months, after that reg_apr,reg_apr_type.

Cell Phone Protection offers coverage for damage or theft of a cell phone when the monthly cell phone bill is paid with the eligible credit card.

Visa Signature Concierge can help you find tickets to the top sports and entertainment events, make dinner reservations and even get help sending the perfect gift.

Visa Signature Benefits: This card is a Visa Signature card offering special benefits such as rental car discounts, golf and wine discounts, and emergency travel assistance.

Redeeming Active Cash Rewards

You can redeem your cash back with the Active Cash card to:

  • Offset eligible purchases on your card;
  • Redeem your rewards as a credit to a qualifying Wells Fargo credit card, checking account, or mortgage;
  • Redeem at a Wells Fargo ATM in $20 increments; and
  • Redeem for gift cards.

Pros and Cons

Here’s a quick overview of this card’s advantages and disadvantages:


  • No annual fee.
  • 2% cash back on all purchases.
  • Cell phone protection.


Alternatives to the Active Cash Card

Now that you know about this credit card’s various benefits and pros and cons, it’s time to see its alternatives.

Bilt Mastercard®

No Annual Fee
Bilt Mastercard®
  • Pay Rent Without Fees and Earn 1 Point Per Dollar on Rent (up to 100,000 Points Per Calendar Year)
  • No Annual Fee
  • 3x Points on Dining
  • 2x Points on Travel
  • Transfer Rewards to Airlines and Hotels
  • Cell Phone, Primary Rental Car, and Trip Delay Insurance
Learn More Our Review

Bilt Mastercard® (review) is a no-annual-fee credit card that allows you to pay rent without a transaction fee and earn 1 point per dollar on rent (up to 50,000 points per calendar year).

You also earn 3x points on dining, 2x points on travel, and 1x points everywhere else.

The Bilt Rewards card also has great benefits for a no-annual fee card, including cell phone insurance, primary rental car insurance, 90-day purchase protection, trip delay insurance, trip cancellation insurance, and no foreign transaction fees. 

Plus, you can transfer your points to airline and hotel partners such as United Airlines, American Airlines, and World of Hyatt. Or redeem the points for travel or at Amazon.

Capital One VentureOne Rewards Credit Card

No Annual Fee
Capital One VentureOne Rewards Credit Card
  • bonus_miles_full
  • Unlimited 5x Miles on Hotels and Rental Cars Booked Via Capital One
  • Unlimited 1.25x Miles on All Other Purchases
  • Secondary Rental Car Insurance
  • Extended Warranty
  • No Annual Fee

Learn How to Apply Our Review

The Capital One VentureOne Rewards Credit Card (review) is a no-annual-fee travel card, which allows cardmembers to earn unlimited 1.25X miles on every purchase, every day.

These miles can be used for travel purchases and are fully transferable to Capital One’s airline and hotel partners.

The VentureOne also offers nice benefits like no foreign transaction fees, rental car insurance, and extended warranty protection.

Is the Active Cash Worth It?

The Active Cash Card is a pretty good card overall, with 2% cash back, no annual fee, and a 0% intro APR offer (detailed above).

But I wish it had more benefits and no foreign transaction fees for when you want to use it for purchases outside the United States. 

If you like to travel, I think the Bilt Mastercard® (review) is a better option. It’s also offered in partnership with Wells Fargo.

Top offers from our partners
Companion Pass through 2/28/25 + 30,000 Points!
Terms Apply
75,000 Bonus Miles
Terms Apply
World of Hyatt Credit Card Business
Up to 75,000 Bonus Points
Terms Apply
100,000 Bonus Points
Terms Apply

Become a Better Traveler

Stay up to date with our Daily Points newsletter covering all the miles, points, travel, and deals news.