Wells Fargo Active Cash® Credit Card
Enjoy unlimited flat-rate cash rewards, zero annual fees, an introductory 0% APR, and premium Visa Signature® benefits—all packed into one powerful card.
By: Widescope4
Limitless 2% Cash Rewards
Get a straightforward 2% cash back on all your everyday purchases—without the hassle of tracking categories or hitting reward ceilings.
$200 Welcome Bonus
Jumpstart your earnings with a lucrative $200 cash reward once you meet the introductory spending threshold.
15 Months of 0% Intro APR
Take advantage of a 0% introductory APR on both new purchases and eligible balance transfers for the first 15 months.
Premium Protections & Perks
Benefit from complimentary cell phone insurance, exclusive Visa Signature® access, and total peace of mind with zero liability protection.
Discover the Power of the Wells Fargo Active Cash® Credit Card
The Wells Fargo Active Cash® Credit Card stands out as one of the most straightforward and rewarding options on the market. It delivers a massive, unlimited 2% cash back on every single purchase, eliminating the need to monitor complex reward categories or spending caps. Whether you are paying for weekly groceries, dining at a favorite restaurant, or shopping online, your earnings are consistent and reliable. Plus, new members can easily unlock a $200 cash bonus by simply spending $500 within the first three months.
Beyond the impressive cash back, this card is loaded with features designed for everyday convenience and security. You’ll receive a generous 0% introductory APR for 15 months covering both new purchases and balance transfers, providing excellent financial flexibility. Other premium perks include complimentary cell phone protection (when you pay your monthly bill with the card), emergency travel assistance, and top-tier Visa Signature® benefits. With absolutely zero annual fees and flexible redemption options, it is the ultimate tool for smart, everyday spending.
-
What credit score is required for approval?
Applicants generally need a good to excellent credit profile—usually a score of 670 or above—to secure approval.
-
Will I be charged an annual fee?
Not at all. You get to enjoy all of these premium perks with absolutely zero annual fees.
-
What are my options for redeeming cash back?
You have the flexibility to redeem your earnings as statement credits, direct deposits to a qualified Wells Fargo account, or even as cash withdrawals at ATMs in $20 increments.
-
Is cell phone insurance included?
Yes! By simply paying your monthly wireless bill with your Active Cash® card, you automatically unlock complimentary cell phone protection.
-
Do new members get a 0% intro APR?
Absolutely. New cardholders benefit from a full 15 months of 0% introductory APR on both purchases and eligible balance transfers.
Your Simple Guide to Applying
Upgrading your wallet with the Wells Fargo Active Cash® Credit Card is incredibly fast and secure. The simplest way to apply is online through the official Wells Fargo portal, though in-branch applications are also welcome. Before submitting, review the comprehensive card terms, rates, and bonus conditions. You will need to provide standard personal details, including your Social Security number, total annual income, and employment status.
Because this card targets consumers with good to excellent credit histories (typically a FICO® score of 670+), it is wise to check your standing before you begin. Once your online application is submitted, the automated system usually provides an approval decision in just a few moments. If approved, your new card will be mailed directly to you within 7 to 10 business days. As soon as you activate it, you can start earning that unlimited 2% cash back. Don't forget to leverage the Wells Fargo Mobile® app to effortlessly track your rewards, monitor spending, and manage your account from anywhere.