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Wells Fargo · Credit cards

Wells Fargo Active Cash Card

Unlimited 2% cash rewards on purchases with $0 annual fee and cell phone protection up to $600.

Annual fee

$0/yr

10 attributes tracked

Catalog as of September 1, 2026

Not financial advice. Annual fees, APRs, bonuses and credits change. Confirm current terms with the issuer before you apply.

Annual fee

$0

Rewards rate

Unlimited 2% cash rewards on purchases

What it does well

  • Unlimited 2% flat cash rewards on all purchases with no categories to track
  • Up to $600 cellular telephone protection against damage or theft (subject to $25 deductible)
  • 0% intro APR on purchases and qualifying balance transfers for 15 months

Where it gives ground

  • 3% foreign transaction fee
  • Lacks bonus multiplier categories for high spenders in dining or travel

Compare it head to head

The fastest way to decide is against the product you are actually cross shopping. Showing 4 of 15 published matchups.

Credit cards8 differing specs

American Express Gold Card

$325/yr

Wells Fargo Active Cash Card

$0/yr

Wells Fargo leads on 2 of 3 rankable specs and charges less a year.

See the breakdown
Credit cards9 differing specs

The Platinum Card from American Express

$695/yr

Wells Fargo Active Cash Card

$0/yr

Evenly split on rankable specs, so price and taste decide it.

See the breakdown
Credit cards7 differing specs

Bilt World Elite Mastercard

$0/yr

Wells Fargo Active Cash Card

$0/yr

Evenly split on rankable specs, so price and taste decide it.

See the breakdown
Credit cards7 differing specs

Capital One SavorOne Cash Rewards

$0/yr

Wells Fargo Active Cash Card

$0/yr

Capital One leads on 3 of 3 rankable specs.

See the breakdown

Full specifications

Fees & Rates

Annual fee
$0
Regular APR
20.24%, 25.24%, or 29.99% Variable APR
Foreign transaction fee
3% of each transaction in U.S. dollars
Late fee
Up to $40

Rewards & Perks

Rewards rate
Unlimited 2% cash rewards on purchases
Sign-up bonus
$200 cash rewards bonus after spending $500 in purchases in the first 3 months
Intro APR offer
0% intro APR for 15 months from account opening on purchases and qualifying balance transfers
Lounge access
No

Card Details

Credit neededOur summary
Good to Excellent (670–850)
Network
Visa Signature
Card figures are from issuer materials and go stale. Credit-needed bands are our summary.Official Wells Fargo Active Cash Card terms (opens in a new tab)

Credit-card figures are from issuer materials and go stale. This is not an offer to lend, not financial advice, and not a recommendation to apply. Verify every fee, APR, bonus and credit on the issuer's site.

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Capital One

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Bilt

Bilt World Elite Mastercard

$0/yr

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Chase

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Discover

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Frequently asked

How much does Wells Fargo Active Cash Card cost?

Wells Fargo Active Cash Card has an annual fee of $0/yr (catalog snapshot as of 2026-09-01). This is based on published issuer terms and is not a live financial offer.

What are Wells Fargo Active Cash Card’s key specs?

Key specifications for Wells Fargo Active Cash Card include annual fee ($0) and rewards rate (Unlimited 2% cash rewards on purchases).

What does Wells Fargo Active Cash Card compare against?

Wells Fargo Active Cash Card is compared head to head against American Express Gold Card vs Wells Fargo Active Cash Card, The Platinum Card from American Express vs Wells Fargo Active Cash Card, Bilt World Elite Mastercard vs Wells Fargo Active Cash Card, Capital One SavorOne Cash Rewards vs Wells Fargo Active Cash Card, Capital One Venture Rewards Credit Card vs Wells Fargo Active Cash Card, and Capital One Venture X Rewards vs Wells Fargo Active Cash Card.