9 Facts About the Wells Fargo Active Cash Card [Review]

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The Wells Fargo Active Cash Card earns unlimited 2% cash rewards on all qualifying purchases and charges zero annual fee, making it perfect for those who want to focus on cash back. 

The card doesn’t have the typical bells and whistles offered by other credit cards. Nonetheless, it’s still one of the best flat-rate zero-annual-fee cash rewards cards on the market today. Plus, you’ll find nice perks like a $200 cash rewards bonus, a 0% intro APR for the first 15 months, and protection plans. 

Let’s examine several key facts about the Wells Fargo Active Cash Card. 

Wells Fargo Active Cash
  • $200 Cash Rewards Bonus After Spending $1,000 in the First 90 Days
  • Unlimited 2% Cash Rewards on Purchases
  • 0% Intro APR for 15 Months
  • Cell Phone and Zero Liability Protections
  • No Annual Fee


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1. $200 Cash Rewards Bonus

New cardholders receive a $200 cash rewards bonus after spending $1,000 in purchases in the first three months.

2. Zero Annual Fee

The Wells Fargo Active Cash Card doesn’t charge an annual fee, making it an excellent option for those who want cash back rewards with no yearly strings attached.

3. Unlimited 2% Cash Rewards on Purchases

You can earn 2% cash rewards on all qualifying purchases with no categories to track. There’s no limit to how many rewards you can earn, and your rewards never expire as long as your account is open.

4. 0% Intro APR for 15 Months

The Active Cash Card offers a 0% intro APR for 15 months from account opening on purchases and eligible balance transfers. After that, the variable APR ranges from 15.24%, 20.24%, or 25.24%. 

Balance transfers made within four months qualify for the introductory rate and fee. 

5. Ways to Redeem Cash Rewards

Wells Fargo provides an impressive selection of redemption options: 

  • Redeem to Account – Your credit goes to any eligible Wells Fargo credit card, checking account, or mortgage. 
  • Cash – You can redeem at a Wells Fargo ATM in $20 increments using your Wells Fargo debit or ATM card. 
  • Gift Cards – Pick the perfect gift card for a special occasion or simply for everyday use. Cards can be redeemed in $25 increments. 
  • Redeem for Purchases – Redeem your rewards to cover qualifying purchases for as little as $1. 
  • Pay Via PayPal – Shop online and use your rewards to pay for purchases when you check out with PayPal. 
  • Flights and Vacations – With no blackout dates on air travel, you can use your rewards toward your next airfare and combine it with a payment card to save on flights. Or enjoy a luxurious vacation when you redeem your rewards on expensive hotel stays. 

It’s easy to transfer rewards between Go Far Rewards members. You can add an Active Cash Card to any existing Go Far Rewards account, so switching and adding cards is convenient. 

6. Cell Phone Protection

You can receive up to $600 (with a $25 deductible) for cell phone damage or theft when your monthly cell phone bill is charged to your Wells Fargo Card.

7. Zero Liability Protection

Immediately report any unauthorized transactions so you won’t be held responsible for the unwanted charges.

8. 3% Foreign Transaction Fee

The Active Cash Card charges a 3% foreign transaction fee, so it’s not ideal to use for international transactions when you’re vacationing abroad. 

9. Visa Signature Privileges

The Active Cash Card comes with the following exclusive Visa Signature privileges:

24/7 Concierge Service 

If you’re looking for that perfect vacation destination or preparing a surprise dinner for a loved one, simply call the Visa Signature Concierge to receive complimentary assistance any time of the day. 

Luxury Hotel Collection 

The Visa Signature Luxury Hotel Collection offers an assortment of premium benefits at prestigious properties worldwide, including Park Hyatt, Shangri-La, and Peninsula. You’ll enjoy these benefits, subject to availability, as a Visa Signature cardholder:

  • Automatic room upgrade upon arrival
  • $25 food and beverage credit
  • Late check-out
  • Complimentary breakfast for two
  • Complimentary in-room Wi-Fi access 

Advantages of the Wells Fargo Active Cash Card

The Active Cash card is an earning powerhouse with no categories to track.

Unlimited 2% Cash Rewards – As one of the most appealing flat-rate cash rewards cards today, the Active Cash Card makes it easy to earn rewards on all qualifying purchases while eliminating the trouble of tracking different categories. 

No Annual Fee – Active Cash is a low-maintenance card that’s perfect for those who don’t want a yearly commitment.

Diverse Rewards Redemption Selection – You have a wide variety of choices, from statement credits and physical cash at Wells Fargo ATMs to gift cards and travel purchases. 

0% Introductory APR – If you’re planning to make a significant purchase or pay off debt, you can take advantage of the interest-free period to save money in interest. 

Valuable Perks – Cell phone protection is a great perk if you’re prone to breaking or losing your device. On top of that, you’ll get exclusive Visa Signature benefits like concierge service and money-saving hotel perks. 

Disadvantages of the Wells Fargo Active Cash Card

Foreign Transaction Fee – Charging a 3% foreign transaction fee, this credit card makes it hard to rack up points while traveling abroad. You’ll be able to save on international purchases if you use a card that doesn’t charge foreign transaction fees. 

No Travel Benefits – The Active Cash Card doesn’t offer any travel perks like insurance coverage, so it’s not the best choice for globetrotters. 

The Verdict

Overall, the zero-annual-fee Wells Fargo Active Cash Card is a high-value credit card with a solid earning rate and a flexible rewards program. Get this card if you want a simple, straightforward way to earn rewards without the hassle of monitoring categories and if you don’t want to pay an annual fee. The $200 cash rewards bonus is also a nice perk. 

The Active Cash Card isn’t a good fit for those who often spend on international purchases and frequent out-of-towners who want travel benefits like travel protection, lounge access, or hotel elite status. However, this card pairs excellently with your other rewards cards that offer premium perks and higher earning in particular categories.