Wells Fargo Active Cash Card Review


Unlimited 2% Cash Rewards — Cardholders earn an unlimited 2% cash reward on purchases, with no categories to activate or income limits to track.

There are other cards that offer higher cash back rates for certain categories, and while they can be worthwhile, they require more effort. And they are often also subject to a cap and limited in which purchases they apply. The Wells Fargo Active Cash℠ card is perfect for someone who wants an easy-to-use card that still offers high rewards: you immediately earn the best in class for your purchases – without limits or jumping through hoops.

$200 Cash Rewards Sign Up Bonus — New Wells Fargo Active Cash℠ card holders can earn a $200 sign-up bonus for spending just $1,000 on purchases in the first three months. Not only is this a very competitive card sign-up bonus with no annual fee, but it’s also one of the things that sets this Wells Fargo credit card apart from other 2% back cards. I have come across another card with 2% unlimited cash rewards that also has a signup bonus.

15 months 0% APR introductory offer — New cardholders can enjoy 0% intro APR on both new purchases and eligible balance transfers for 15 months. That’s a great offer, even when compared to cards marketed for just 0% intro APR. This means that with this card you can avoid interest on purchases and balance transfers until 2023!

Please note that balance transfers must be made within the first 120 days to qualify for a reduced interest rate and reduced balance transfer fee.

No annual costs — In many cases, high pay rates mean high annual compensation. Not with the Wells Fargo Active Cash℠ card, which has a $0 annual fee.

Mobile phone protection — With the price of a typical cell phone in the hundreds of dollars, it’s a good idea to have some sort of insurance. With this Wells Fargo card, you can get built-in cell phone protection up to $600 just by paying your cell phone bill with your card. Coverage is subject to a $25 deductible.

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