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Quick facts
Key information to understand the Active Cash before you apply.
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Issuer
Wells Fargo
A major U.S. issuer with broad acceptance and multiple redemption options.
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Network
Visa®
Widely accepted online and in-store across the U.S. and internationally.
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Rewards structure
Unlimited 2% cash rewards on purchases
No rotating categories, no enrollment, and no caps to track—just a consistent rewards rate for everyday spending.
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Annual fee & intro APR
$0 annual fee
Intro APR offers may be available on purchases and qualifying balance transfers for new accounts (terms vary).
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Is this card right for you?
Active Cash works best if you want one simple card that earns strong cash rewards on almost everything you buy.
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You want simple rewards with no categories.
A flat rewards structure can be easier than juggling rotating categories or remembering quarterly activations.
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You prefer a $0 annual fee long-term card.
No annual fee means you can keep the account open to build credit history without paying to maintain it.
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You want a strong everyday “base” card.
Use this for most purchases, and pair it with other cards only when you have higher bonus categories.
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Pros & cons
Like any card, Active Cash has strong points and trade-offs. Use the list below to see how it fits your situation.
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Pros
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Unlimited 2% cash rewards on purchases, so you don’t have to think about categories.
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$0 annual fee makes it easy to keep long-term without paying to hold the account.
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Welcome bonus offers may be available for new cardholders who meet the spending requirement.
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Intro APR offers may help if you plan a big purchase or want breathing room on qualifying balance transfers (terms vary).
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Easy redemption options: rewards can often be redeemed as statement credits or other cash redemption choices (depending on program terms).
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Great “default card” for everyday expenses like groceries, gas, subscriptions, and online shopping.
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No rotating categories means fewer missed rewards and less account management.
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Can complement higher-multiplier cards so you rarely earn a weak rewards rate on non-bonus spending.
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Strong pick for people who value predictable rewards rather than “coupon-like” category strategies.
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Simple structure helps you estimate value quickly: spend more, earn more—without surprises.
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Cons
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If you spend heavily in specific categories (like dining or travel), a specialized category card may earn more in those areas.
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Intro APR periods are temporary—after the promo ends, standard APR applies (rates depend on creditworthiness).
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Some fees can still apply (late payments, balance transfer fees, foreign transaction fees depending on terms).
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Best approval odds are usually for applicants with good to excellent credit profiles.
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More details about the Wells Fargo Active Cash® Card
How 2% cash rewards works in practice
Active Cash is designed for people who want rewards without complexity. Eligible purchases earn a flat cash rewards rate,
so you don't need to track categories or activate quarterly offers. This can be especially useful if your spending is spread
across many types of purchases.
If you spend $1,000 in a month, a flat rewards rate can make it easy to estimate value without guessing which categories apply.
Over time, this “set it and forget it” style can outperform category cards if you don’t optimize spending every month.
Welcome bonus and ongoing value
New cardholders may qualify for a welcome bonus offer after meeting a minimum spending requirement within a set timeframe (terms vary).
Combined with a flat rewards structure, that can make the first months especially valuable.
Intro APR & balance transfers
Many offers include an introductory APR period on purchases and qualifying balance transfers. This can help if you're planning a large expense
or consolidating higher-interest debt, but be sure to review the transfer fees and the timeframe to qualify for the promo rate.
If you’re considering a balance transfer, make sure you:
Understand the transfer fee and promo window.
Complete transfers within the required timeframe for promo eligibility.
Avoid new interest by paying at least the minimum due on time.
Who should skip this card?
If your main goal is travel perks (lounge access, airline partners, premium protections), you may prefer a dedicated travel card.
Active Cash is strongest as an everyday cash rewards workhorse.
Wells Fargo Active Cash® Card
Simple, no-annual-fee cash rewards card built for everyday spending.
