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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 from account opening 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.

Check out this and other cash back credit cards here.

Wells Fargo Active Cash® Card

Rates & Fees
Terms Apply
Our Rating
4.9/5.0
Welcome Offer
Earn a $200 cash rewards bonus
Annual Fee
$0
0% on Purchases
15 Months
Rewards Rate
2%
0% on Balance Transfers
15 Months

Welcome Offer

Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months

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

Rewards

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

Interest Rates & Fees

Annual Fee$0
Foreign Transaction Fee3%
Regular APR19.99%, 24.99% or 29.99% (V) APR
Balance Transfers0% Intro APR for 15 months on balance transfers, then 19.99%, 24.99% or 29.99%(V) APR after that.
Balance Transfer Fee3% for 120 days from account opening, then up to 5%; min: $5
Purchases0% Intro APR for 15 months on purchases, then 19.99%, 24.99% or 29.99% (V) APR after that.

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

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.

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
Pros

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

Cons

  • Regular APR is 19.99%, 24.99% or 29.99% (as of October 9, 2021)
  • Foreign transaction fee
  • Balance transfer fee

What Are the Best Alternatives?

Citi<sup>®</sup> Double Cash Card - 18 month BT offer
Citi® Double Cash Card - 18 month BT offer

Rating

4.9

Rewards Range

1% to 2%

Annual Fee

$0

Read Review
Synchrony Premier World Mastercard®
Synchrony Premier World Mastercard®

Rating

4.6

Rewards Range

2%

Annual Fee

$0

Read Review
PayPal Cashback Mastercard
PayPal Cashback Mastercard

Rating

4.9

Rewards Range

2% to 3%

Annual Fee

$0

Read Review

Related Articles

  • Wells Fargo Active Cash Card vs. Discover It® Cash Back Credit Card
  • Best 2% Cash Back Credit Cards of 2023
  • Citi® Double Cash Card vs. Wells Fargo Active Cash Card
  • Citi Custom Cash(SM) Card vs. Blue Cash Everyday® Card from American Express
  • Best Credit Cards for Credit Scores of 700 to 749

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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About Allcards.com

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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