Wells Fargo Active Cash Card: Earn 2% Cash Rewards Everywhere

The Wells Fargo Active Cash Card is a great option for those who want to earn cash rewards without any rotating categories or spending limits. You can earn 2% cash rewards everywhere, with no minimum spend or maximum rewards.

One of the best things about this card is its simplicity. You don't have to worry about keeping track of different categories or spending limits, just use your card and earn rewards.

The Wells Fargo Active Cash Card has a $0 annual fee, making it a great option for those who want to save money on fees.

This card offers a flat cash back rate on all purchases, providing a straightforward rewards program.

You can expect a sign-up bonus with this card, giving you an added incentive to try it out.

The Wells Fargo Active Cash Card is designed to be easy to use, with a simple rewards structure that's easy to understand.

The Wells Fargo Active Cash Card offers a range of benefits and perks that make it an attractive option for those looking for a no-annual-fee cash-rewards program.

You'll get an intro 0% APR on purchases and qualifying balance transfers for 12 months from account opening, which can help you save on interest.

The card also comes with cell phone protection, which can reimburse you up to $600 per claim and two claims per 12 months (with a $25 deductible) if your phone is damaged or stolen.

The Wells Fargo Active Cash Card is part of the Visa Signature program, which offers perks like Visa Signature Concierge and access to the Visa Signature Luxury Hotel Collection.

Here are some of the key benefits and perks of the Wells Fargo Active Cash Card:

The card's 2% cash back rate is higher than the industry-standard cashback rate of 1.5% for similar cards, and it's also 50% higher than the rate offered by most tiered rewards cards.

You can redeem your rewards in several ways, including online statement credits, debt payments, cash redemptions, Wells Fargo ATM withdrawals, and PayPal purchases.

The Wells Fargo Active Cash Card offers a simple and straightforward rewards program, where you'll earn 2% cash rewards on all eligible purchases with no bonus categories to track. This means you can earn rewards on every purchase, without having to worry about maximizing spending in specific categories.

You can redeem your cash rewards in several ways, including a statement credit to offset purchases, a Wells Fargo ATM withdrawal, or a credit to an eligible Wells Fargo credit card, checking account, or mortgage.

Here are the specific redemption options available:

The Wells Fargo Active Cash Card also offers a sign-up bonus of $200 cash rewards after spending $500 in purchases in the first three months, which can be a great incentive for new cardholders.

You can get a 0% intro APR offer on the Wells Fargo Active Cash Card, which is helpful if you have a major purchase to pay off over time or want to move debt away from a high-interest card.

This offer lasts for 12 months on purchases and balance transfers, and then the ongoing APR kicks in, which can be 19.24%, 24.24%, or 29.24% Variable APR.

The Active Cash card's 12-month intro APR offers make it a solid option if you have big purchases coming up or want to pay off an existing balance and plan to transfer it to this Wells Fargo card.

The initial balance transfer fee is only $5 or 3% (whichever is higher) during the first 120 days, but then increases to 5%.

You can earn a $200 cash rewards bonus after spending $500 in purchases in the first three months with the Wells Fargo Active Cash Card.

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The Wells Fargo Active Cash Card has a straightforward rewards program that earns you 2% cash rewards on all eligible purchases, with no bonus categories to keep track of.

You won't need to worry about maximizing spending in specific categories like dining or travel, making it a great option for those who prefer a simple rewards structure.

The card's flat-rate return is a significant advantage, as it means you'll earn the same rewards rate everywhere, without any exceptions or exclusions.

This is a great option for people who tend to spend a lot on everyday items, as they'll still earn 2% cash rewards on those purchases.

The Wells Fargo Active Cash Card is a great choice for those who value simplicity and ease of use in their rewards program.

Existing customers of Wells Fargo have a few redemption options that make it easy to get your cash-back rewards. You can withdraw your rewards in $20 increments from a Wells Fargo ATM using your debit or ATM card.

Wells Fargo customers can also deposit their rewards directly into a checking or savings account, making it a convenient option for those who bank with them.

To redeem your rewards, simply log in to your account and select the redemption option that works best for you. If you're looking for flexibility, consider redeeming your rewards as a statement credit or direct deposit into a Wells Fargo account.

Here are some key redemption options for existing Wells Fargo customers:

Note that some redemption options may have a higher minimum amount, so be sure to check the details before redeeming your rewards.

The Wells Fargo Active Cash Card has a very straightforward fee structure. There is no annual fee, which means you won't have to worry about paying a yearly charge just to keep the card.

The card has a 3% foreign transaction fee, so if you travel abroad frequently, you may want to consider a different card that doesn't charge this fee. This fee is typical for many cash back credit cards, but it's still something to be aware of if you plan to use the card internationally.

You'll also want to be mindful of the late payment fee, which can be up to $40. This is a standard fee for many credit cards, but it's still something to keep in mind if you're prone to missing payments.

Here are the key fees to keep in mind:

To be eligible for the Wells Fargo Active Cash Card, you'll need to meet some basic requirements. You must be at least 18 years old and have good or excellent credit (a credit score of 670 or higher). Additionally, you can't have opened a Wells Fargo credit card in the last six months, and the bank may adjust your credit limit on an existing account to qualify you for the Active Cash Card.

The Wells Fargo Active Cash card has some great features, but it's not the only option out there. If you're looking for alternatives, you might want to consider the Chase Freedom Flex card, which offers 5% cash back on travel purchases through Chase Ultimate Rewards.

One thing to keep in mind is that cash back credit cards often lack the "fun" features of travel rewards credit cards. For example, you won't be able to cash in your points for "free" flights or hotel nights.

Here are a few other cash back credit cards that are worth considering:

These cards all have their own unique features and benefits, so it's worth taking the time to compare them and see which one is the best fit for you.

If you're considering the Wells Fargo Active Cash card, you may want to take a look at other cash-back credit cards that share similar features. For example, the Chase Freedom Flex offers 5% back on travel purchases through Chase Ultimate Rewards, 3% back on dining, takeout, and eligible delivery services, and 3% back on drugstore purchases.

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The Citi Double Cash Card is another option, offering 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, you just need to pay at least the minimum due on time.

The Citi ThankYou Rewards Card also offers a generous signup bonus of $200 Cash Back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back.

If you're looking for a card with no foreign transaction fee, the Citi Double Cash Card is a good option. It also offers a special travel offer, earning 5% total cash back on hotel, car rentals, and attractions booked on the Citi Travel℠ portal through 12/31/25.

Here are some key features of these cards to consider:

Cash-back cards are often a better choice than no-annual-fee travel credit cards, earning more rewards per dollar spent.

Typically, no-annual-fee cash-back cards offer more rewards potential than travel credit cards.

You can redeem your rewards for cash, which you can use to offset recent purchases or request gift cards.

The Wells Fargo Active Cash card benefits aren't as strong as those on some other cash rewards cards, which may include more extensive travel protections.

Cash-back cards often have more flexible redemption options, allowing you to use your rewards for anything you want.

Broaden your view: Post Office Travel Cash Card

The Wells Fargo Active Cash Card is a solid choice for those seeking a straightforward rewards program. It offers unlimited 2% cash back on all purchases.

This card is particularly appealing to first-time cardholders, as it has a simple application process and a generous intro APR offer. Bankrate credit card expert Re'Dreyona Walker, who applied for the Active Cash card as her first credit card, found this feature to be a standout.

The card's flat-rate cash rewards program is also a major perk, allowing users to earn rewards on all purchases without having to worry about rotating categories or spending limits.

Explore further: Wells Fargo Rewards Program

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The Wells Fargo Active Cash Card is a great option for those who want a simple cash-back credit card with no annual fee. It offers unlimited 2% cash back on all purchases, making it a valuable choice for everyday use.

One of the standout features of this card is its sign-up bonus and no-interest promotion on new purchases and balance transfers. This can be a huge benefit for those who need to finance large purchases or consolidate debt.

The card's cash rewards program is also very straightforward, with no rotating categories or spending limits. This makes it easy to earn rewards on all of your purchases, no matter what you're buying.

In fact, the card's flat-rate cash rewards are one of its most appealing features, according to Bankrate credit card expert Re'Dreyona Walker. She loves that she can earn rewards on all of her purchases, regardless of what she's buying.

If you're looking for a card that's easy to use and offers great rewards, the Wells Fargo Active Cash Card is definitely worth considering. However, if you're looking for a card that offers higher rewards rates in specific categories, you may want to consider a different option.

Here are some key benefits of the Wells Fargo Active Cash Card:

Overall, the Wells Fargo Active Cash Card is a solid choice for those who want a simple, no-fuss cash-back credit card. With its unlimited 2% cash back and no-interest promotion, it's a great option for everyday use.