{"id":75276,"date":"2026-05-02T17:10:01","date_gmt":"2026-05-02T17:10:01","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=75276"},"modified":"2026-05-02T17:10:01","modified_gmt":"2026-05-02T17:10:01","slug":"wells-fargo-active-cash","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/cash-back\/wells-fargo-active-cash\/","title":{"rendered":"Wells Fargo Active Cash Card Review: Unlimited 2% Cash Rewards, No Annual Fee"},"content":{"rendered":"<p>The <a data-ccid=\"4048251\" href=\"\/blog\/link\/CR-WellsFargoActiveCashCard\" rel=\"noopener nofollow sponsored\">Wells Fargo Active Cash<sup>\u00ae<\/sup> Card<\/a> (<a data-ccid=\"4048251\" href=\"https:\/\/www.wellsfargo.com\/credit-cards\/active-cash\/terms\/?product_code=CC&subproduct_code=AC&FPID=0126D7I6F40000&sub_channel=AFF&vendor_code=IM\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<strong>\u00a0<\/strong>is a valuable cash rewards card for consumers looking to earn rewards on their purchases without worrying about spending categories. Here's how: Earn unlimited 2% cash rewards on purchases and pay $0 annual fee. Plus, the Active Cash Card offers several other features that make it a solid choice for any cost-conscious consumer.<\/p>\n<p>Here's everything you need to know about this card.<\/p>\n<p><div class=\"qs-card\" data-id=\"4048251\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Wells Fargo Active Cash<sup>\u00ae<\/sup> Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/merchant.linksynergy.com\/fs\/banners\/40602\/40602_52.png\" width=\"150\" alt=\"Wells Fargo Active Cash\u00ae Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='Wells Fargo Active Cash\u00ae Card' data-ccid=\"4048251\" href=\"\/blog\/link\/CR-WellsFargoActiveCashCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4048251\" href=\"https:\/\/www.wellsfargo.com\/credit-cards\/active-cash\/terms\/?product_code=CC&subproduct_code=AC&FPID=0126D7I6F40000&sub_channel=AFF&vendor_code=IM\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Wells Fargo Active Cash<sup>\u00ae<\/sup> Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Wells Fargo Active Cash<sup>\u00ae<\/sup> Card earns unlimited 2% cash rewards on purchases without the need to track spending categories or activate rewards quarterly. Cardholders also benefit from up to $600 coverage for cell phone damage or theft, subject to a $25 deductible.<\/div><div class=\"qs-tab-hl\"><ul><li>Apply Now to take advantage of this offer and learn more about product features, terms and conditions.<\/li><li>Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.<\/li><li>Earn unlimited 2% cash rewards on purchases.<\/li><li>0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.49%, 24.49%, or 28.49% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.<\/li><li>$0 annual fee.<\/li><li>No categories to track or remember and cash rewards don't expire as long as your account remains open.<\/li><li>Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24\/7 Visa Signature<sup>\u00ae<\/sup> Concierge.<\/li><li>Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.<\/li><\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>Earn unlimited 2% cash rewards on purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/ActiveCash\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-138a544e81#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<h2><span id=\"Wells_Fargo_Active_Cash_Card_Pros\">Wells Fargo Active Cash Card Pros<\/span><\/h2>\n<ul>\n<li>$0 annual fee.<\/li>\n<li>Offers cell phone insurance, which is an uncommon benefit for a no-annual-fee card.<\/li>\n<li>Multiple redemption options, including statement credits, ATM withdrawals, gift cards, or paying with rewards via PayPal.<\/li>\n<\/ul>\n<h2><span id=\"Wells_Fargo_Active_Cash_Card_Cons\">Wells Fargo Active Cash Card Cons<\/span><\/h2>\n<ul>\n<li>Rewards are never worth more than 1\u00a2 apiece.<\/li>\n<li>Minimal travel and shopping protections.<\/li>\n<\/ul>\n<figure id=\"attachment_155742\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-155742 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/03\/Cup-of-Couple-Pexels-credit-card-feature-300x240.png\" alt=\"close-up of hands holding a credit card\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/03\/Cup-of-Couple-Pexels-credit-card-feature-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/03\/Cup-of-Couple-Pexels-credit-card-feature-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/03\/Cup-of-Couple-Pexels-credit-card-feature-325x260.png 325w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/03\/Cup-of-Couple-Pexels-credit-card-feature.png 1000w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Cup of Couple\/Pexels<\/em><\/enter><\/figure>\n<h2><span id=\"Wells_Fargo_Active_Cash_Card_Card_Welcome_Offer\">Wells Fargo Active Cash Card Card Welcome Offer<\/span><\/h2>\n<p>The sign-up bonus for the <a data-ccid=\"4048251\" href=\"\/blog\/link\/CR-WellsFargoActiveCashCard\" rel=\"noopener nofollow sponsored\">Active Cash Card<\/a> is simple. When you're approved for the card, you can earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. This is a solid bonus for a $0-annual-fee credit card.<\/p>\n<h2><span id=\"Active_Cash_CardBenefits\">Active Cash Card<strong>\u00a0<\/strong>Benefits<\/span><\/h2>\n<p>Given that the <a data-ccid=\"4048251\" href=\"\/blog\/link\/CR-WellsFargoActiveCashCard\" rel=\"noopener nofollow sponsored\">Active Cash Card<\/a> has no annual fee, one wouldn't expect a great array of card benefits. However, the card provides some key features that can benefit your personal finances, such as:<\/p>\n<h3><span id=\"Intro_APR_on_balance_transfers_and_purchases\">Intro APR on balance transfers and purchases<\/span><\/h3>\n<p>You can take advantage of a 0% intro APR for 12 months from account opening on purchases and a 0% introductory APR for 12 months from account opening on qualifying balance transfers.<\/p>\n<p>After the introductory period, you'll pay an ongoing APR of 18.49%, 24.49%, or 28.49% Variable APR. For balance transfer fees, you'll pay 3% intro for 120 days from account opening, then up to 5%, min: $5 per transfer.<\/p>\n<p>While we don't recommend spending on credit cards if you can't afford to pay the balance in full that month, introductory APR offers can be an exception. These provide a way to finance large purchases and everyday spending without interest charges.<\/p>\n<h3><span id=\"Cell_phone_protection\">Cell phone protection<\/span><\/h3>\n<p>The Active Cash Card can cover your cell phone cost or repair up to $600, with a $25 deductible.<\/p>\n<p>To qualify for cell phone protection coverage, use the Active Cash Card to pay your monthly cell phone bill. In the event you need to file a claim, you can submit the documentation online. This supplementary coverage is limited to two claims in a 12-month period.<\/p>\n<p>Coverage does not apply to phones that are simply lost, so it can be important to file a police report in the event your phone is stolen to document the incident.<\/p>\n<figure id=\"attachment_111029\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-111029 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/06\/pexels-tima-miroshnichenko-repair-phone-featured-300x240.jpg\" alt=\"a person repairs electronics inside a smart phone\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/06\/pexels-tima-miroshnichenko-repair-phone-featured-300x240.jpg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/06\/pexels-tima-miroshnichenko-repair-phone-featured-768x614.jpg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/06\/pexels-tima-miroshnichenko-repair-phone-featured-325x260.jpg 325w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/06\/pexels-tima-miroshnichenko-repair-phone-featured.jpg 1000w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Paying your phone bill with the right card can provide valuable insurance protection. Credit: Tima Miroshnichenko\/Pexels<\/em><\/enter><\/figure>\n<h3><span id=\"Visa_Signature_privileges\">Visa Signature<sup>\u00ae<\/sup> privileges<\/span><\/h3>\n<p>With the Active Cash Card, you have access to the <a href=\"https:\/\/awardwallet.com\/credit-cards\/hotel-collection-benefits\/#vlh\">Visa Signature Luxury Hotel Collection<\/a> and Visa Concierge Services. You can enjoy elite status-like benefits at these luxury hotels, even without elite status with their respective loyalty programs.<\/p>\n<p>Benefits include room upgrades at check-in (based on availability), daily breakfast for two, a $25 food and beverage credit, complimentary Wi-Fi throughout your stay, and late checkout (based on availability). You can also get assistance with tickets to top sports and entertainment events, for travel booking, and making dinner reservations.<\/p>\n<h2><span id=\"Active_Cash_Card_Earning_Rates\">Active Cash Card Earning Rates<\/span><\/h2>\n<p>The <a data-ccid=\"4048251\" href=\"\/blog\/link\/CR-WellsFargoActiveCashCard\" rel=\"noopener nofollow sponsored\">Active Cash Card<\/a> has a simple earning rate: Earn unlimited 2% cash rewards on purchases. This is a great earning rate for those seeking simplicity or who want solid earnings on eligible purchases without worrying about bonus categories.<\/p>\n<p>Those who want to maximize earnings might be disappointed to find no quarterly rotating categories or elevated bonus categories with higher rewards rates. However, consider\u00a0that many cards with bonus categories only earn 1% on everyday purchases.<\/p>\n<p>That means the earnings from the <a data-ccid=\"4048251\" href=\"\/blog\/link\/CR-WellsFargoActiveCashCard\" rel=\"noopener nofollow sponsored\">Active Cash Card<\/a> can be a great complement. The card will allow you to earn 2% back on other purchases that fall outside the bonus categories on your other cards.<\/p>\n<figure id=\"attachment_128816\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-128816 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Tima-Miroshnichenko-Pexels-man-with-credit-card-featured-300x240.png\" alt=\"A man sits at a table holding a credit card while looking at his smart phone\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Tima-Miroshnichenko-Pexels-man-with-credit-card-featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Tima-Miroshnichenko-Pexels-man-with-credit-card-featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Tima-Miroshnichenko-Pexels-man-with-credit-card-featured-325x260.png 325w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Tima-Miroshnichenko-Pexels-man-with-credit-card-featured.png 1000w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Tima Miroshnichenko\/Pexels<\/em><\/enter><\/figure>\n<h2><span id=\"Redeeming_Rewards_With_the_Active_Cash_Card\">Redeeming Rewards With the Active Cash Card<\/span><\/h2>\n<p>There are plenty of options to redeem the cash rewards you earn on the <a data-ccid=\"4048251\" href=\"\/blog\/link\/CR-WellsFargoActiveCashCard\" rel=\"noopener nofollow sponsored\">Active Cash Card<\/a>:<\/p>\n<ul>\n<li>Redeem for purchases made with the Active Cash Card.<\/li>\n<li>Redeem towards a Wells Fargo checking account or savings account (including via direct deposit), credit card, or mortgage.<\/li>\n<li>Pay with your rewards when you pay through PayPal.<\/li>\n<li>Redeem for gift cards through Wells Fargo.<\/li>\n<li>Withdraw in $20 increments from any Wells Fargo ATM.<\/li>\n<\/ul>\n<p>The Active Cash Card has a nice variety of redemption options compared to many other cash back credit cards. You'll get the same value from all of them, but it's nice to have more than a couple of choices. Note that for both Wells Fargo account redemption and ATM withdrawal, you must have a Wells Fargo account or a debit card, respectively.<\/p>\n<h2><span id=\"Application_Restrictions_and_Strategy\">Application Restrictions and Strategy<\/span><\/h2>\n<p>Wells Fargo terms and conditions carry the following disclaimer:<\/p>\n<blockquote><p><em>&#8220;You may not be eligible for introductory annual percentage rates, fees and\/or rewards bonus offers if you have the Wells Fargo Active Cash Visa<sup>\u00ae<\/sup> or opened one within the last 48 months from the date of this application &#8211; even if that account is closed and has a $0 balance.&#8221;<\/em><\/p><\/blockquote>\n<p>In short, even with a strong credit score, great credit profile, and solid credit history, if you currently have or recently had an Active Cash Card, your approval odds for intro rates or bonus offers are minimal.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/rewards-card-application-rules\/\" rel=\"noopener\">Understanding Rewards Credit Card Application Rules and Restrictions<\/a><\/strong><\/p>\n<h2><span id=\"Cards_That_Compete_With_the_Active_Cash_Card\">Cards That Compete With the Active Cash Card<\/span><\/h2>\n<p>The <a data-ccid=\"4048251\" href=\"\/blog\/link\/CR-WellsFargoActiveCashCard\" rel=\"noopener nofollow sponsored\">Active Cash Card<\/a> has strong competition within cash back cards, and one of these alternatives might suit your wallet even better. Here\u2019s a closer look at your no-annual-fee options so you can make an informed decision.<\/p>\n<ul>\n<li><strong>If you want 2% back on everything but extra redemption options<\/strong>, the <a data-ccid=\"3002009\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-double-cash-card\/\">Citi Double Cash<sup>\u00ae<\/sup> Card<\/a> (<a data-ccid=\"3002009\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=951783.4206&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) is an excellent choice. Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou<sup>\u00ae<\/sup> Points, which can be redeemed for $200 cash back. The real magic happens when you have a premium Citi credit card and combine your earnings to use with the rewards program transfer partners, complementing the cash-back redemption options.<\/li>\n<li><strong>If you want bonus earnings where you spend the most,\u00a0<\/strong>the <a data-ccid=\"4048250\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-custom-cash\/\">Citi Custom Cash<sup>\u00ae<\/sup> Card<\/a> has them. Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel<sup>\u2120<\/sup> portal. Being able to easily earn 5% cash back without thinking about it is a great feature on a card with no annual fee. The big downside is the card's earning cap each statement cycle, which limits you to a maximum of $6,000 of spending per year at the 5% bonus earning rate.<\/li>\n<li><strong>If you want extra rewards from your banking relationship<\/strong>, check out the <a data-ccid=\"4048258\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/bank-of-america-unlimited-cash-rewards\/\">Bank of America<sup>\u00ae<\/sup> Unlimited Cash Rewards credit card<\/a>. Earn 2% cash back on purchases for the first year from account opening, with no limit to the amount of cash back you can earn. Thereafter, you\u2019ll earn unlimited 1.5% on all purchases, with no expiration on rewards as long as your account remains open. That's less than what you'll get with the Active Cash Card. However, Bank of America Preferred Rewards members can earn up to 75% extra on all purchases, depending on their account balances. That could turn into 2.625% back on all purchases.<\/li>\n<\/ul>\n<div class=\"compare-cards-wrap compare-count-cards-3 compare-p-bank-of-america\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/12d797ee-967a-492c-afac-48873b260ebb.jpg\" width=\"150\" alt=\"Citi Double Cash\u00ae Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Citi Double Cash<sup>\u00ae<\/sup> Card<\/div><div class=\"compare-offer\"><strong>Welcome Offer<\/strong>\r\nEarn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou<sup>\u00ae<\/sup> Points, which can be redeemed for $200 cash back. <\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Citi Double Cash\u00ae Card' data-ccid=\"3002009\" href=\"\/blog\/link\/CR-CitiDoubleCashCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<span class=\"compare-terms\"><a data-ccid=\"3002009\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=951783.4206&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--9\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.\r\n<br><br>\r\nPlus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/06\/cardart-citicustomcashcard.png\" width=\"150\" alt=\"Citi Custom Cash&lt;sup&gt;\u00ae&lt;\/sup&gt; Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Citi Custom Cash<sup>\u00ae<\/sup> Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou<sup>\u00ae<\/sup> points, which can be redeemed for $200 cash back.<\/div><\/div><div class=\"compare-apply\"><a class=\"qs-how-apply\" data-ccid=\"4048250\" href=\"\/blog\/link\/CR-CitiCustomCashCard\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<\/p><\/div><div class=\"compare-rating compare-rating--9\"><strong>Credit Score<\/strong><p>Fair, Good, or Excellent<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent<\/li>\r\n<li>1% cash back thereafter, plus, you'll earn unlimited 1% cash back on all other purchases<\/li>\r\n<li>No rotating bonus categories to sign up for \u2013 as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.<\/li>\r\n<li>Eligible spending categories are: <I>Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs and Live Entertainment.<\/i><\/li>\r\n<li><b><i>Special Travel Offer:<\/i><\/b> Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel<sup>\u2120<\/sup> portal.<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/6bd9a59e-9e8c-4b7b-8d6a-3382a4e43347.png\" width=\"150\" alt=\"Bank of America\u00ae Unlimited Cash Rewards credit card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Bank of America<sup>\u00ae<\/sup> Unlimited Cash Rewards credit card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong>\r\n$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.<\/div><\/div><div class=\"compare-apply\"><a class=\"qs-learn-more\" data-ccid=\"4048258\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/bank-of-america-unlimited-cash-rewards\/\">Learn More<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent\/Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn 2% cash back on purchases for the first year from account opening<\/li>\r\n<li>Earn unlimited 1.5% cash back on all purchases after year one<\/li>\r\n<\/ul><\/div><\/div><\/div>\n<h2><span id=\"Bottom_Line\">Bottom Line<\/span><\/h2>\n<p>The <a data-ccid=\"4048251\" href=\"\/blog\/link\/CR-WellsFargoActiveCashCard\" rel=\"noopener nofollow sponsored\">Active Cash Card<\/a> is a great option for those seeking simple cash rewards on everyday purchases. With a $0 annual fee and solid benefits, it can be a great card for your wallet. Although you won't earn extra rewards in bonus categories, like grocery stores, dining, or gas stations, or get outsized value through transfer partners, those looking for simplicity may not mind the tradeoff.<\/p>\n<p><div class=\"qs-card\" data-id=\"4048251\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Wells Fargo Active Cash<sup>\u00ae<\/sup> Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/merchant.linksynergy.com\/fs\/banners\/40602\/40602_52.png\" width=\"150\" alt=\"Wells Fargo Active Cash\u00ae Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='Wells Fargo Active Cash\u00ae Card' data-ccid=\"4048251\" href=\"\/blog\/link\/CR-WellsFargoActiveCashCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4048251\" href=\"https:\/\/www.wellsfargo.com\/credit-cards\/active-cash\/terms\/?product_code=CC&subproduct_code=AC&FPID=0126D7I6F40000&sub_channel=AFF&vendor_code=IM\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Wells Fargo Active Cash<sup>\u00ae<\/sup> Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Wells Fargo Active Cash<sup>\u00ae<\/sup> Card earns unlimited 2% cash rewards on purchases without the need to track spending categories or activate rewards quarterly. Cardholders also benefit from up to $600 coverage for cell phone damage or theft, subject to a $25 deductible.<\/div><div class=\"qs-tab-hl\"><ul><li>Apply Now to take advantage of this offer and learn more about product features, terms and conditions.<\/li><li>Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.<\/li><li>Earn unlimited 2% cash rewards on purchases.<\/li><li>0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.49%, 24.49%, or 28.49% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.<\/li><li>$0 annual fee.<\/li><li>No categories to track or remember and cash rewards don't expire as long as your account remains open.<\/li><li>Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24\/7 Visa Signature<sup>\u00ae<\/sup> Concierge.<\/li><li>Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.<\/li><\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>Earn unlimited 2% cash rewards on purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/ActiveCash\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-138a544e81#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n\t\t<div class=\"wp-faq-schema-wrap wp-faq-schema-accordion\">\n\t\t\t\t\t\t\t<h2><span id=\"Active_Cash_Card_Frequently_Asked_Questions\">Active Cash Card Frequently Asked Questions<\/span><\/h2>\n\t\t\t\t\t\t<div class=\"wp-faq-schema-items\">\n\t\t\t\t\t\t\t\t\t<h3><span id=\"Does_the_Wells_Fargo_Active_Cash_Card_have_an_annual_fee\">Does the Wells Fargo Active Cash<sup>\u00ae<\/sup> Card have an annual fee?<\/span><\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>No, the Wells Fargo Active Cash<sup>\u00ae<\/sup> Card does not charge an annual fee.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3><span id=\"Does_the_Wells_Fargo_Active_Cash_Card_charge_foreign_transaction_fees\">Does the Wells Fargo Active Cash<sup>\u00ae<\/sup> Card charge foreign transaction fees?<\/span><\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>Yes, the card charges a 3% fee on all foreign transaction amounts converted to U.S. dollars.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3><span id=\"Am_I_eligible_for_the_Wells_Fargo_Active_Cash_Card\">Am I eligible for the Wells Fargo Active Cash<sup>\u00ae<\/sup> Card?<\/span><\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>You may be ineligible if you've received a welcome offer on another Wells Fargo card in the past 15 months or if you have opened another Wells Fargo card in the past six months.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3><span id=\"Do_Wells_Fargo_Active_Cash_Card_rewards_expire\">Do Wells Fargo Active Cash<sup>\u00ae<\/sup> Card rewards expire?<\/span><\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>Cash rewards do not expire as long as your account is open.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\n\n<div id=\"ftoc\"><div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Wells_Fargo_Active_Cash_Card_Pros\">Wells Fargo Active Cash Card Pros<\/a><\/li><li><a href=\"#Wells_Fargo_Active_Cash_Card_Cons\">Wells Fargo Active Cash Card Cons<\/a><\/li><li><a href=\"#Wells_Fargo_Active_Cash_Card_Card_Welcome_Offer\">Wells Fargo Active Cash Card Card Welcome Offer<\/a><\/li><li><a href=\"#Active_Cash_CardBenefits\">Active Cash Card\u00a0Benefits<\/a><ul><li><a href=\"#Intro_APR_on_balance_transfers_and_purchases\">Intro APR on balance transfers and purchases<\/a><\/li><li><a href=\"#Cell_phone_protection\">Cell phone protection<\/a><\/li><li><a href=\"#Visa_Signature_privileges\">Visa Signature<sup>\u00ae<\/sup> privileges<\/a><\/li><\/ul><\/li><li><a href=\"#Active_Cash_Card_Earning_Rates\">Active Cash Card Earning Rates<\/a><\/li><li><a href=\"#Redeeming_Rewards_With_the_Active_Cash_Card\">Redeeming Rewards With the Active Cash Card<\/a><\/li><li><a href=\"#Application_Restrictions_and_Strategy\">Application Restrictions and Strategy<\/a><\/li><li><a href=\"#Cards_That_Compete_With_the_Active_Cash_Card\">Cards That Compete With the Active Cash Card<\/a><\/li><li><a href=\"#Bottom_Line\">Bottom Line<\/a><\/li><li><a href=\"#Active_Cash_Card_Frequently_Asked_Questions\">Active Cash Card Frequently Asked Questions<\/a><ul><li><a href=\"#Does_the_Wells_Fargo_Active_Cash_Card_have_an_annual_fee\">Does the Wells Fargo Active Cash<sup>\u00ae<\/sup> Card have an annual fee?<\/a><\/li><li><a href=\"#Does_the_Wells_Fargo_Active_Cash_Card_charge_foreign_transaction_fees\">Does the Wells Fargo Active Cash<sup>\u00ae<\/sup> Card charge foreign transaction fees?<\/a><\/li><li><a href=\"#Am_I_eligible_for_the_Wells_Fargo_Active_Cash_Card\">Am I eligible for the Wells Fargo Active Cash<sup>\u00ae<\/sup> Card?<\/a><\/li><li><a href=\"#Do_Wells_Fargo_Active_Cash_Card_rewards_expire\">Do Wells Fargo Active Cash<sup>\u00ae<\/sup> Card rewards expire?<\/a><\/li><\/ul><\/li><\/ul><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Looking for a card that is a solid choice for any cost-conscious consumer? The Wells Fargo Active Cash\u00ae Card is a great option for someone looking to earn money on their everyday purchases. The card earns 2% cash rewards on daily spending and offers other valuable perks, such as cell phone theft and damage protection, to save consumers even more.<\/p>\n","protected":false},"author":51,"featured_media":165995,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"default","_google_business_share_type":"default","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12520,12620,12781],"coauthors":[36394,36386],"class_list":["post-75276","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-benefits","tag-card-reviews","tag-wells-fargo"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/75276","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/51"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=75276"}],"version-history":[{"count":51,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/75276\/revisions"}],"predecessor-version":[{"id":259205,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/75276\/revisions\/259205"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/165995"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=75276"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=75276"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=75276"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=75276"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}