Unlimited 2% Cash Rewards
Earn 2% cash rewards on eligible purchases without activating rotating spending categories
Wells Fargo Active Cash®: Rewards Made Simple
Earn unlimited 2% cash rewards on eligible purchases with no annual fee
SEE HOW TO REQUEST
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How the Wells Fargo Active Cash® Card Works
The Wells Fargo Active Cash® Card earns rewards on everyday purchases without rotating bonus categories. Cardholders get a simple, consistent rewards structure.
Earn unlimited 2% cash rewards on eligible purchases. Cash advances, balance transfers, fees and interest do not earn purchase rewards.
Before applying, review the card's interest rates, fees and repayment terms. Carrying a balance can cost more than the rewards you earn.
What to Consider Before Applying
- Payment habits: Paying your statement balance in full by the due date can help avoid purchase interest when the grace period applies.
- Balance transfer fees: Transferring an existing balance may involve a fee, even when a promotional interest rate is available.
- Credit requirements: Applications are reviewed under Wells Fargo's lending criteria, and approval is not guaranteed.
- Rewards redemption: Review the available redemption methods and any applicable program conditions.
- Regular APR: Understand the interest rate that may apply after any introductory period ends.
- Additional charges: Check the card's current terms for late payment, cash advance and other applicable fees.
Reviewing these conditions alongside the rewards program can help you decide whether the card matches your spending habits and financial priorities.
Your Questions, Answered
Does the Wells Fargo Active Cash® Card have an annual fee?
No. The card has a $0 annual fee. Other charges may apply, including interest, balance transfer fees and late payment fees.
How do the 2% cash rewards work?
Cardholders earn unlimited 2% cash rewards on eligible purchases. Certain transactions do not qualify, and rewards are subject to the issuer's program terms.
Is there an introductory APR offer?
Introductory APR offers may be available for eligible purchases and balance transfers. Review the current promotional period, regular APR and applicable fees before applying.
Do I need to activate spending categories?
No. The card's standard rewards structure does not require activating rotating categories to earn its regular cash rewards rate on eligible purchases.
Can I manage the card through an app?
Wells Fargo provides digital account tools that allow cardholders to review transactions, access statements and manage payments. Feature availability may vary.
Does applying guarantee approval?
No. Approval depends on Wells Fargo's credit evaluation and eligibility requirements. Submitting an application does not guarantee that a credit card will be issued.
What to Check Before Moving Forward
1. Review the rewards program. Understand which purchases qualify for cash rewards and how those rewards can be redeemed.
2. Understand the costs. Compare the regular APR, promotional conditions and potential transaction fees before deciding.
3. Check the application requirements. Review the issuer's current eligibility criteria and card terms before submitting an application.
VISIT OFFICIAL CARD WEBSITE
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