Wells Fargo
Wells Fargo Active Cash Card Review
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People who want a flat 2% cash-back rate with no annual fee and a short 0% window
Updated for 2026
Overview
The Wells Fargo Active Cash earns a flat, unlimited 2% cash rewards on all purchases with no annual fee. A $200 welcome bonus and a 12-month 0% intro APR on purchases and balance transfers add near-term value.
| Annual fee | $0 |
|---|---|
| Regular APR | 18.49%, 24.49%, or 28.49% variable (three tiers based on creditworthiness) |
| Welcome bonus | $200 cash rewards bonus after spending $500 in purchases in the first 3 months |
| Rewards | Unlimited 2% cash rewards on purchases |
| Recommended credit | Good to Excellent |
Pros & cons
Pros
- Flat, unlimited 2% cash rewards on everything with no categories to track
- $200 welcome bonus for a low $500 spend
- No annual fee plus a 12-month 0% intro APR and cell phone protection
Cons
- No elevated bonus categories beyond the flat 2%
- Balance transfers carry a fee (3% intro, then up to 5%)
Compare with similar cards
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Advertiser disclosure: this page is supported by advertising and is for information only. Confirm current terms on the issuer's official site before applying.