Wells Fargo Active Cash® Card

The Wells Fargo Active Cash® Card is a simple, powerful cash back card designed to deliver value every time you spend.

The Wells Fargo Active Cash® Card is built for people who want more than just rewards — they want reliability. It combines a straightforward cash rewards structure with practical protections and tools that support everyday spending, larger purchases, and long-term financial planning.

Instead of complex rules or short-term incentives, this card focuses on consistency. Every purchase earns value, account management is simple, and built-in protections help cardholders use their credit with confidence. It’s a balanced option for those who want rewards that work quietly and effectively in the background.

Key Benefits, Protections, and Assistance

• Unlimited cash rewards on all purchases
  Every eligible purchase earns the same flat cash rewards rate automatically. There are no categories to manage and no activation required, making rewards consistent and predictable.
• No annual fee
  The card can be kept year after year without an ongoing cost, supporting long-term ownership and everyday use.
• Introductory APR on purchases and qualifying balance transfers
  A promotional APR period allows cardholders to finance purchases or consolidate balances while minimizing interest during the introductory timeframe.
• Cell phone protection
  When you pay your monthly wireless bill with the card, eligible cell phones may be protected against covered damage or theft, subject to applicable terms and limits.
• Purchase protection
  Eligible purchases may be covered against damage or theft for a limited time after purchase, adding confidence when using the card for everyday or higher-value items.
• Extended warranty protection
  Certain eligible purchases may receive extended warranty coverage beyond the original manufacturer’s warranty period.
• Fraud protection and $0 liability
  Unauthorized transactions are monitored, and cardholders are not held responsible for covered fraudulent charges.
• Digital account management tools
  Online and mobile banking access allows you to track spending, schedule payments, view rewards, and manage your account anytime.
• Custom alerts and notifications
  Stay informed with alerts for purchases, payment due dates, and account activity.
• Travel and emergency assistance services
  Access to card network–provided assistance services when traveling or facing certain emergencies away from home.

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Fees and Rates at a Glance

Fee Type	Details
Annual Fee	$0
Purchase APR	Variable, based on creditworthiness
Introductory APR	0% intro APR on purchases and qualifying balance transfers for a limited time
Balance Transfer Fee	Applies
Foreign Transaction Fee	3% of each transaction
Cash Advance Fee	Applies
Late Payment Fee	May apply

This structure keeps ownership costs predictable while offering flexibility for both everyday use and planned expenses.

Requirements and How to Apply

Eligibility Requirements

• Typically requires good to excellent credit
• Applicants must meet standard income and credit criteria
• U.S. residency and valid identification required

How to Apply

• Apply online through Wells Fargo’s official application page
• Complete the application in just a few minutes
• You may receive a decision quickly after submitting
• There is no obligation to accept the card if approved

The application process is designed to be simple, secure, and user-friendly, making it easy to get started without unnecessary steps.

Wells Fargo Active Cash® Card FAQs

1 – Can I switch from another Wells Fargo credit card to the Active Cash® Card?
Yes. Current Wells Fargo cardholders may request a product change, but switching does not include a new welcome bonus or introductory APR.

2 – How do I make a balance transfer with this card?
Balance transfers can be requested online or by contacting Wells Fargo once your account is active.

3 – Is there a balance transfer fee?
Yes. A balance transfer fee applies and is added to the transferred amount.

4 – How long does a balance transfer take to post?
Most balance transfers are completed within a few business days, depending on the other bank.

5 – Does the card charge foreign transaction fees?
Yes. Purchases made outside the United States are subject to a foreign transaction fee.

6 – Has the Wells Fargo Active Cash® Card received any recognition?
Yes. The card has received industry recognition for its simple and consistent cash rewards structure.

Final Thoughts

The Wells Fargo Active Cash® Card combines consistent cash rewards with meaningful protections and user-friendly tools. It offers more than just rewards—it delivers a well-rounded credit card experience built for everyday spending, financial flexibility, and long-term reliability.

For those seeking a dependable cash rewards card with added security and assistance, the Wells Fargo Active Cash® Card stands out as a strong and practical choice.