Wells Fargo Active Cash Card Review: 2% Cash Back

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.

Our Rating
4.9/5.0

Welcome Offer
Earn a $200 cash rewards bonus

Annual Fee
$0

0% on Purchases
15 months from account opening

Reward Rate
2%

0% on Balance Transfers
15 months from account opening on qualifying balance transfers

>>Check Out This and Other Cash Back Cards Here

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, 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% of each transaction converted to U.S. dollars.
Regular APR20.24%, 25.24% or 29.99% (V) APR
Balance Transfers0% Intro APR for 15 months on balance transfers, then 20.24%, 25.24% 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 20.24%, 25.24% 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
Approved04/20/2023
810
Not Provided
$2,000
Approved09/02/2023
746
Experian
$6,000
Approved09/02/2023
774
Equifax
$6,000
Approved09/02/2023
786
TransUnion
$6,000
Approved06/03/2023
820
Equifax
$30,000
Approved02/18/2023
800
Not Provided
$20,000
Approved06/23/2023
700
Experian
$30,000
Approved04/14/2023
756
Experian
$13,000
Approved10/23/2023
745
Equifax
$12,000
Approved04/26/2023
743
Experian
$8,000
Approved04/26/2023
751
TransUnion
$8,000
Approved04/26/2023
765
Equifax
$8,000
Approved10/04/2023
721
Experian
$16,000
Approved09/24/2023
763
Experian
$15,000
Approved09/24/2023
784
TransUnion
$15,000
Approved09/24/2023
792
Equifax
$15,000
Denied04/01/2023
744
TransUnion
---
Denied04/01/2023
747
Experian
---
Denied04/01/2023
767
Equifax
---
Pros

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

Cons

  • Regular APR is 20.24%, 25.24% or 29.99% (as of November 20, 2023)
  • 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

Synchrony Premier World Mastercard®
Synchrony Premier World Mastercard®

Rating

4.6

Rewards Range

2%

Annual Fee

$0

Alliant Cashback Visa® Signature Credit Card
Alliant Cashback Visa® Signature Credit Card

Rating

4.7

Rewards Range

1.5-2.5%

Annual Fee

$0

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