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You are here: Home / Credit Cards / Wells Fargo Active Cash Card Review: 2% Cash Back

Wells Fargo Active Cash Card Review: 2% Cash Back

July 1, 2021 by Rob Berger

The Wells Fargo Active Cash Card is a cash back card designed for those who don’t want to keep track of rotating categories and just want a simple cash back rewards structure. It also has a 0% introductory offer on purchases and balance transfers for 15 months, a small welcome bonus, and there’s no annual fee. There are foreign transaction fees, though, so if you’re traveling internationally, this card is not a good companion. We dive into the details and your approval odds in this Wells Fargo Active Cash review.



Wells Fargo Active Cash Card
Learn More
Our Rating
4.9/5.0
Welcome Offer
$200
Annual Fee
$0
0% on Purchases
15 Months
Rewards Rate
2%
0% on Balance Transfers
15 Months

Rewards

2% cash back
All eligible purchases
Earn unlimited 2% cash rewards on purchases

Signup Bonus

Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months from account opening.

Pros & Cons

Pros

  • unlimited 2% cash back
  • sign-up bonus
  • $0 annual fee
  • 0% APR for first 15 months

Cons

  • Regular APR is 19.24%, 24.24%, or 29.24% (as of October 9, 2021)
  • Foreign transaction fee
  • Balance transfer fee

Features & Benefits

SecurityCredit Score Monitoring, EMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts
Contactless PaymentsTap to Pay, Apple Pay, Google Pay
BenefitsCell Phone Protection, 24/7 customer service
Travel PerksAuto Rental Collision Damage Waiver, Concierge Services, Emergency Travel Assistance, Airport Lounge Access, Roadside Assistance

Interest Rates & Fees

Annual Fee$0
Foreign Transaction Fee3% of each transaction converted to U.S. dollars.
Regular APR19.24%, 24.24%, or 29.24% (V) APR

What Credit Score Is Required to Get the Wells Fargo Active Cash

Based on data we’ve collected from public forums, a credit score of 730 or higher is ideal. We have seen an approval with a score as low as 706, but keep in mind that credit card issuers consider more than just your credit score when evaluating a credit card application.

App StatusDateCredit ScoreBureauCredit Limit
Approved05/19/2022
706
Equifax
$9,000
Approved09/04/2022
789
Experian
$30,000
Approved10/12/2022
779
Equifax
$11,000
Approved10/12/2022
768
TransUnion
$11,000
Approved10/12/2022
778
Experian
$11,000
Approved07/01/2021
737
Experian
$2,000
Approved07/01/2021
775
Experian
$4,000

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About Rob Berger

Rob Berger is the founder of allCards.com. He's written about personal finance and investing since 2007 and is the author of the highly acclaimed book, Retire Before Mom and Dad. He is a former litigation attorney in the securities field and the Founding Editor of Forbes Advisor.

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Rob Berger founded allcards.com in 2008 to help consumers make data-driven decisions about credit cards and banking. A retired trial attorney, he’s written about credit cards, banking and personal finance since 2007, and is the author of Retire Before Mom and Dad.

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