Applying for the Wells Fargo Active Cash® Credit Card online is quick and easy. You earn unlimited 2% cash rewards on every purchase and get a $200 welcome bonus after meeting the spending requirement.
It also offers a 0% intro APR for 12 months on purchases and balance transfers, followed by a variable rate.
This review explores its rewards flexibility, travel perks, fees, and overall experience to help you decide if it’s worth applying for.
What Makes the Wells Fargo Active Cash® Credit Card Popular?
This card stands out for its simplicity and high flat-rate rewards. You earn 2% cash back on all purchases, without categories to track or quarterly activations.
It has been recognized by several finance platforms for its reliability and transparency. If you want consistent rewards for every purchase, this card fits the need.
Key Awards and Recognition
Over the years, the Wells Fargo Active Cash® Card has been praised by several industry reviewers.
- NerdWallet: Best Credit Card for Simple Cash Back (2022–2025).
- BankRate: Best Flat-Rate Cash Back Card (2024).
- Fool Money: Best No Annual Fee Credit Card (2025).
- Compare Credit: Best Easy-to-Redeem Cashback Card (2025).
These awards highlight its solid performance and long-term value to users.
Benefits and Features Overview
The Active Cash® Card combines strong cash-back earning with robust protection features. It’s ideal for those who prefer easy rewards without worrying about complex rules.
Its benefits extend beyond cash back, including travel protections and credit management tools. Let’s explore its main advantages for cardholders.
Cash Rewards Program
With this card, you earn unlimited 2% cash rewards on every purchase. The rewards never expire as long as your account remains open.
You can redeem them for statement credits, purchases, or gift cards. This straightforward structure ensures you get rewarded for every dollar you spend.
Redemption Options
You can choose from several convenient ways to redeem your cash rewards.
- Pay with Rewards: Use your cash rewards for purchases at millions of retailers via PayPal.
- Redeem for Purchases: Apply rewards directly toward purchases you’ve already made.
- Gift Cards: Redeem for eGift cards starting at $10 from popular brands.
- Account Credit: Redeem directly to your Wells Fargo account, reducing your balance instantly.
Exclusive Cardholder Protections
The card also includes built-in protection features designed to keep you safe. These perks cover common financial and travel situations that could disrupt your plans.
Wells Fargo ensures you’re protected from theft, fraud, or emergencies. Below are some of the essential protection benefits.
Cellular Telephone Protection
You’re eligible for up to $600 in phone protection against theft or damage. A $25 deductible applies per claim, and the benefit is available when you pay your monthly phone bill using your card.
This feature helps you save on unexpected phone repairs or replacements. It’s particularly useful if you often upgrade or carry expensive devices.
Auto Rental Collision Damage Waiver
When you use the card to pay for car rentals, you’re covered against damage or theft. This benefit applies to most rentals within the U.S. and abroad.
It saves you money on additional insurance fees that rental agencies charge. Make sure to decline the rental company’s collision insurance to activate this coverage.
Zero Liability Protection
With Zero Liability Protection, you won’t be responsible for unauthorized transactions. This ensures peace of mind if your card is lost, stolen, or misused.
Reporting issues promptly guarantees full protection. It’s one of the most important features for safe online and in-store purchases.
Emergency Cash Disbursement and Card Replacement
In case your card is lost or stolen, you can get a replacement or emergency cash within one to three business days.
Wells Fargo assists in restoring your access to funds quickly. This service adds convenience when emergencies strike while traveling. Any cash advance fees still apply, but help is always available.
Travel and Emergency Assistance
The Wells Fargo Active Cash® Credit Card provides worldwide support for cardholders. Whether you’re traveling locally or internationally, you can access emergency assistance at any time.
These services are useful for lost cards, medical referrals, or emergency transportation.
- Customer Support: 1-800-992-6029 (U.S.) or 1-804-673-1675 (collect, international).
- Available 24/7 to ensure you’re never stranded during travel.
- Coverage applies to all Wells Fargo credit cardholders who meet eligibility requirements.
Credit-Building and Management Tools
Managing your credit becomes easier with the tools Wells Fargo offers. You gain access to features that help track your credit score, analyze your habits, and receive personalized offers.
Credit Close-Up®
The Credit Close-Up® program gives you access to your FICO® Score and personalized insights. Monitoring your score regularly helps you maintain good credit standing.
This service doesn’t affect your score, and you receive updates monthly. It’s ideal for improving your credit management skills.
My Wells Fargo Deals
This feature provides access to exclusive deals and cashback offers from participating merchants.
You can earn additional cash back when shopping or dining. Deals are updated regularly, offering fresh opportunities to save. It’s an effortless way to earn even more rewards using the same card.
Interest Rates and Fees
Before applying, it’s important to understand the card’s rates and costs. Wells Fargo offers clear and competitive terms, especially during the introductory period. These details help you manage spending and avoid unnecessary charges.
APR and Balance Transfers
The card provides a 0% introductory APR for 12 months on purchases and qualifying balance transfers.
After the intro period, the variable APR ranges between 18.99%, 23.99%, or 28.99%, depending on your creditworthiness. Balance transfers must occur within 120 days to qualify for the promotional rate. After that, the regular rate applies.
Foreign Transaction Fee
For international use, there’s a 3% fee on each transaction converted to U.S. dollars.
While this adds a minor cost for foreign purchases, it remains reasonable compared to competitors.
It’s best for domestic spending where no extra charges apply. Always check rates before traveling abroad.
Eligibility and Application Requirements
Getting approved for the Wells Fargo Active Cash® Card requires meeting certain conditions. Applicants should have a solid credit history and stable income.
Having a FICO® Score of around 670 or higher typically improves approval chances. The process is fully digital and takes only minutes.
Documents You’ll Need
Before applying, prepare the following details:
- Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).
- Employment and income information to verify your financial capacity.
- U.S. mailing address and contact details for verification purposes.
Ensuring all information is accurate increases your chance of instant approval.
How to Apply Online Instantly?
You can apply for the Wells Fargo Active Cash® Credit Card entirely online.
Step-By-Step Application Guide
Follow these simple steps to apply for the Wells Fargo Active Cash® Credit Card online and get an instant decision.
- Visit the official Wells Fargo website.
- Click on “Apply Now” under the Active Cash® Card section.
- Enter your personal and financial details accurately.
- Review the terms and confirm your submission.
- Receive your approval decision instantly or within one business day.
Alternative Application Channels
If you prefer, you can apply through the Wells Fargo Mobile App or by visiting a local branch. The offers may differ depending on the channel you use.
Regardless of where you apply, ensure you check the latest credit terms. This guarantees you get the most current promotional offers available.
How to Manage and Redeem Rewards?
Once approved, you can easily manage and redeem your cash rewards. Wells Fargo offers flexible options through its mobile and online platforms.
The process is user-friendly, allowing quick access to your rewards balance. Redeeming is straightforward and can be done in multiple ways.
Using the Wells Fargo Mobile App
With the mobile app, you can monitor transactions, track rewards, and redeem instantly. It provides secure login and real-time balance updates.
You can even set alerts for spending and payment reminders. Managing rewards from your phone adds convenience and control.
Redemption Flexibility
You can redeem for as little as $1 toward eligible purchases. Using PayPal integration, you can also pay directly with your rewards at online retailers.
Gift cards and statement credits are additional redemption methods. This flexibility ensures you get full value from every reward point earned.
Comparing Wells Fargo Active Cash® With Competitors
Understanding how this card compares to others helps you make an informed decision. Below is a table summarizing key features compared to major competitors.
| Feature | Wells Fargo Active Cash® | Chase Freedom Unlimited® | Citi Double Cash® |
|---|---|---|---|
| Cash Back Rate | 2% on all purchases | 1.5%–5% (varies by category) | 2% (1% earn + 1% pay) |
| Annual Fee | $0 | $0 | $0 |
| Welcome Bonus | $200 after $500 spend | $200 after $500 spend | None |
| Intro APR | 0% for 12 months | 0% for 15 months | 0% for 18 months |
| Redemption Options | PayPal, account credit, gift cards | Travel, cash back, gift cards | Statement credit only |
Contact Information
For inquiries or assistance, you can reach Wells Fargo Credit Card Services at 1-800-642-4720. Traveling abroad? Call 1-804-673-1675 (collect) for international support.
For more details, visit the official website: wellsfargo.com/credit-cards/active-cash. Always verify terms and benefits directly with Wells Fargo for accuracy.
Disclaimer
Details such as APR, fees, and promotional offers may change over time. Applicants should confirm the latest information on Wells Fargo’s website.
This article is for educational purposes only and does not constitute financial advice. Always review official credit terms before applying.
Make Every Purchase Rewarding
The Wells Fargo Active Cash® Credit Card simplifies earning and redeeming rewards.
With its 2% unlimited cash back, no annual fee, and introductory 0% APR, it’s an excellent choice for consistent savers.
Its protective features and flexible redemptions make it reliable for everyday use. Apply online instantly and start turning your daily purchases into real cash value today.
