Wells Fargo Active Cash

By Raquel Oliveira • 03/18/2025

Wells Fargo Active Cashback it's an excellent choice for simplicity and consistent rewards.

The Wells Fargo Active Cash card is a simple yet rewarding option, offering an unlimited 2% cash back on all purchases, no annual fee, and a $200 welcome bonus for new cardholders.

Designed for those who prefer straightforward rewards, it eliminates the need for tracking spending categories or activating bonus offers, ensuring effortless cashback on every transaction.

With a 0% intro APR for 12 months on purchases and balance transfers, it’s a great choice for financing big expenses or consolidating existing debt without immediate interest charges.

Providing security, convenience, and easy management, this card is a perfect everyday financial tool for users seeking flexibility, simplicity, and consistent rewards on their spending.

How does the Card to Wells Fargo Active?

O Fargo works in a simple and efficient way, offering an excellent option for those who want to accumulate rewards in an uncomplicated way. 

First, it offers 2% cash back on all purchases, without the need to follow categories or activate bonuses. This means you earn the same 2% return on all your purchases, making the rewards accrual process easy and straightforward.

Additionally, there is no introductory APR charge and no annual fee, which helps you maximize your rewards without additional costs.

When it comes to redeeming rewards, you can use them to cover recent purchases, get gift cards, or even transfer them to a statement credit on a Wells Fargo account if you’re a Wells Fargo customer. 

Main Benefits of the Wells Fargo Active Cash Card

• Visa Signature benefits – Get access to perks like travel protections and concierge services.
• Unlimited 2% cash rewards – Earn 2% cash back on every purchase, no categories or restrictions.
• $200 welcome bonus – Spend $500 in the first 3 months and get a $200 cash reward.
• 0% intro APR for 12 months – Enjoy interest-free purchases and balance transfers for a year.
• No annual fee – Keep more of your rewards without extra costs.
• Flexible redemption options – Redeem cash back as a statement credit, direct deposit, or gift cards.

Why Choose the Wells Fargo Active Cash?

• Perfect for everyday purchases – Earn a steady 2% cash back without worrying about spending categories.
• Ideal for balance transfers – Use the 0% APR intro period to consolidate high-interest debt.
• Hassle-free rewards – No activation or quarterly categories to track.
• Flexible redemption options – Cash back can be used for anything from travel to paying off your balance.
• Visa Signature benefits – Enjoy perks like travel protections and purchase security.

If you want simple, effective cash back rewards with no extra effort, the Wells Fargo Active Cash card is a great choice.

Cons of Well Fargo Active

First, while it’s a great card for cash rewards, it doesn’t offer robust benefits for travel or other specific categories like some credit cards aimed at those areas. 

Additionally, there is a charge on balance transfers for the first 120 days after opening the account, and then it increases, which can make balance transfers an expensive option.

Finally, the foreign transaction fee can also be a limiting factor for those who frequently travel abroad, making the card less advantageous when traveling internationally compared to other cards that do not charge this fee.

APR and Fees

The regular APR ranges between 19.49%, 24.49%, or 29.49% depending on your credit profile, which is common with credit cards that offer rewards benefits. 

This fee may apply to purchases after the introductory period ends, so it’s important to pay attention to expiration dates to avoid high charges.

One of the main advantages of this card is the 0% introductory APR for 12 months on qualified purchases and balance transfers, it is an excellent opportunity for those who need to make large purchases or transfer debt.

However, after this period, normal interest rates apply. The balance transfer fee is 3% for the first 120 days after account opening, after which it increases to 5%, with a minimum of $5. 

Additional Benefits for Cardholders

Wells Fargo Active Cash cardholders get exclusive perks such as:

• Visa Signature benefits – Includes concierge services, hotel upgrades, and premium travel perks.
• Cell phone protection – Pay your phone bill with the card and receive coverage for damage or theft.
• Roadside assistance – Emergency services like towing and fuel delivery.

These extra perks make the card more valuable for everyday and emergency situations.

How to apply for the Tomo Credit Card

To request the Wells Fargo Active Cashback Card, you must access the official Wells Fargo website and look for the card page. There you will find detailed information about the product and you can click “Apply now” to begin the registration process. 

During the application, you will be asked to provide personal information such as your name, address, Social Security number (SSN), details about your income and employment. Make sure you fill in all fields correctly.

After you submit your application, Wells Fargo will review the information you provide and perform a credit check. If approved, you will receive your card within 7 to 10 business days. 

Conclusion

The Wells Fargo Active Cash is a great option for users who want a simple, no-hassle cash back card.

• Perfect for: Those who want unlimited 2% cash back with no categories and no annual fee.
• Not ideal for: Frequent travelers due to foreign transaction fees or users seeking higher category-based rewards.

With its combination of flat-rate rewards, a strong welcome bonus, and an introductory 0% APR offer, the Wells Fargo Active Cash is one of the best no-annual-fee credit cards for everyday spending. Apply now!