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Wells Fargo Active Cash® Card

4.4WalletHub Rating

WalletHub Rating

4.4

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

5.0

User Reviews

3.1

Market Comparison

4.4

fees: 3.8

rewards: 4.7

cost: 4.7

Other Features: 0.0

$200 cash rewards

Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

Apply Now

Wells Fargo Active Cash Annual Fee

Wells Fargo Active Cash APR on Purchases

0% intro APR for 15 months from account opening, 20.24% - 29.99% Variable APR after that

Wells Fargo Active Cash Balance Transfer

0% intro APR for 15 months from account opening on qualifying balance transfers, 20.24% - 29.99% Variable APR after that

Balance Transfer Fee 3% intro for 120 days, then up to 5% (min $5)

Wells Fargo Active Cash Rewards

Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

Earn unlimited 2% cash rewards on purchases.

No categories to track or remember and cash rewards don't expire as long as your account remains open.

Wells Fargo Active Cash's Additional Info

Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.

0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% 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.

$0 annual fee.

Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.

Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

Apply Now

at Wells Fargo's secure site

Editor's Review
Fact checked

John Kiernan

April 5th, 2024

Fact Checked by Alina Comoreanu

Senior Researcher

Wells Fargo Active Cash Pros & Cons

$200 cash rewards bonus

$0 annual fee

2% cash rewards on purchases

0% introductory APR

High regular APR

Foreign transaction fee

Balance transfer fee

Wells Fargo Active Cash Review

Wells Fargo Active Cash Card Review Highlights

2% cash rewards on purchases

Wells Fargo Active Cash rewards cardholders with unlimited 2% cash rewards on purchases, which is roughly twice what the average cash back credit card gives. Plus, Wells Fargo Active Cash rewards earnings won’t expire as long as your account is open.

$200 cash rewards bonus

The Wells Fargo Active Cash initial cash rewards bonus is $200, and new cardholders can qualify for it by making $500 in purchases within 3 months of opening an account. The average initial bonus on a cash back credit card offer is currently $242.

0% for 15 months from account opening on purchases

This introductory APR gives Wells Fargo Active Cash cardholders a few more months without interest than the average 0% APR credit card offer. This could save you a lot of money on big-ticket purchases, but don’t forget that you’ll still need to pay at least the minimum amount due each month while the 0% rate is in effect. Also, any balance remaining at the end of the intro term will begin to accrue interest at the card’s higher regular interest rate.

$0 annual fee

The Wells Fargo Active Cash Card’s $0 annual fee makes it $21.58 per year cheaper than the average credit card offer. Still, there are lots of cash back credit cards with no annual fee available right now, and even cards with annual fees can provide the most value at the end of the day.

0% for 15 months from account opening on qualifying balance transfers

Wells Fargo Active Cash can help you reduce the cost of existing debt owed to other lenders, with its introductory balance transfer APR of 0% for 15 months from account opening on qualifying balance transfers. Just make sure to account for the card’s balance transfer fee: 3% intro for 120 days, then up to 5% (min $5). For comparison, the average balance transfer credit card offer gives 0% for 13 months and has a 3.12% balance transfer fee.

$600 in cell phone protection and other perks

If you pay your monthly cell phone bill with the Wells Fargo Active Cash Card, you can get up to $600 if your phone breaks or is stolen (subject to a $25 deductible). Cardholders can also make requests from the Visa Concierge and enjoy special benefits at eligible hotels.

20.24% - 29.99% Variable APR

The Wells Fargo Active Cash interest rate can be anywhere from 20.24% to 29.99% Variable, depending on an applicant’s overall creditworthiness. Currently, the average interest rate among new credit card offers is 22.9%.

3% foreign transaction fee

The Wells Fargo Active Cash Card’s 3% foreign fee applies to purchases processed internationally, whether you’re traveling abroad or shopping online through foreign merchants. These fees can really add up, so it’s best to use a credit card with no foreign fee for international transactions.

700+ credit score needed

The Wells Fargo Active Cash requires good credit or better for approval. You can check your latest credit score for free on WalletHub to get a sense of your approval odds.

Compare The Wells Fargo Active Cash vs. Popular Alternatives


4.4WalletHub Rating WalletHub Rating 4.4 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 5.0 User Reviews 3.1 Market Comparison 4.4 fees: 3.8 rewards: 4.7 cost: 4.7 Other Features: 0.0	4.1WalletHub Rating WalletHub Rating 4.1 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 5.0 User Reviews 3.6 Market Comparison 4.0 fees: 3.8 rewards: 3.4 cost: 4.7 Other Features: 0.0	4.2WalletHub Rating WalletHub Rating 4.2 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.8 User Reviews 3.2 Market Comparison 4.2 fees: 4.0 rewards: 0.0 cost: 4.0 APR: 5.0
(161)	(798)	(124)
annual fee$0	annual fee$0	annual fee$0
Purchase Intro APR0% for 15 months from account opening	Purchase Intro APR0% for 15 months	Purchase Intro APR0% for 21 months from account opening
transfer intro apr0% for 15 months from account opening on qualifying balance transfers\|Transfer Fee: 3% intro for 120 days, then up to 5% (min $5)	transfer intro apr0% for 15 months\|Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)	transfer intro apr0% for 21 months from account opening on qualifying balance transfers\|Transfer Fee: 5% (min $5)
Regular APR20.24% - 29.99% Variable	Regular APR20.49% - 29.24% (V)	Regular APR18.24% - 29.99% Variable
rewards rate 2% Cash Rewards	rewards rate 1.5 - 5% Cash Back	rewards rateNone
bonus offer $200 Cash Rewards	bonus offerNone	bonus offerNone
Add to Compare	Add to Compare	Add to Compare
Apply Now Rates & Fees	Apply Now	Apply Now Rates & Fees

Wells Fargo Active Cash Card FAQ

Can't find what you are looking for? Submit your question about Wells Fargo Active Cash® Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card. In addition, WalletHub independently collected information for some of the cards on this page.

Upvotes

Is it hard to get a Wells Fargo Active Cash card?

Sebi Mitchell, Credit Cards Moderator

Yes, it is hard to get the Wells Fargo Active Cash® Card because it requires at least good credit for approval. Unless your credit score is 700 or higher and you have a lot of income, it will be difficult for you to get approved for the Wells Fargo Active Cash.

In order to get the Wells Fargo Active Cash, you will have to meet the credit score requirement, have a steady income and be at least 18 years old. You'll also need to have an SSN.

Keep in mind that even if you meet all of the requirements for the Wells Fargo Active Cash, you're never guaranteed to be approved.

View more answers

Upvotes

What credit score do you need for the Wells Fargo Active Cash card?

Maria Adams, Credit Cards Moderator

The credit score needed for the Wells Fargo Active Cash card is 700 or better. That means people with at least good credit have a shot at getting approved for this card.

You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Wells Fargo Active Cash card, too. Some other key criteria include your income, existing debt load, number of open accounts,...

View more answers

Upvotes

What is the Wells Fargo Active Cash credit limit?

Maria Adams, Credit Cards Moderator

The Wells Fargo Active Cash Card credit limit is $1,000 or more. Everyone who gets approved for Wells Fargo Active Cash is guaranteed a credit limit of at least $1,000, and particularly creditworthy applicants could get limits a lot higher than that. The higher an applicant's credit score and income are, the higher the starting credit limit is likely to be.

The Wells Fargo Active Cash Card credit limit that you start with isn't necessarily your credit line forever. You can ask to get a credit limit increase by...

Upvotes

How can I redeem my Wells Fargo Active Cash card rewards?

Maria Adams, Credit Cards Moderator

The easiest way you can redeem your Wells Fargo Active Cash card rewards is through the Wells Fargo rewards portal. You can also redeem your rewards by using the Wells Fargo mobile app, calling (877) 517-1358, or at an ATM.

How to Redeem Wells Fargo Active Cash Card Rewards

Wells Fargo rewards portal: Visit the Wells Fargo rewards portal and redeem your rewards in a variety of ways.
Mobile app: Download the Wells Fargo mobile app and manage your rewards program on the go.

Upvotes

What are the best Wells Fargo Active Cash Card promotions?

Evelyn Boros, Credit Cards Moderator

The best Wells Fargo Active Cash® Card promotion is a $200 cash rewards initial bonus. To get this Wells Fargo Active Cash promotion, cardholders must make $500 in purchases within 3 months of opening an account. There are a few other notable Wells Fargo Active Cash promotions to take advantage of as well.

Wells Fargo Active Cash Promotions for April 2024

A $200 cash rewards initial bonus
An introductory APR of 0% for 15 months from account opening on purchases (20.24% - 29.99% Variable regular APR after that)
An introductory APR of 0% for 15 months from account opening on qualifying balance transfers

Upvotes

Is the Wells Fargo Active Cash Card a good first time credit card?

Chip Lupo, Credit Card Writer

No, the Wells Fargo Active Cash® Card is not a good first-time credit card because it is only available to people with good credit or better. People who've never owned a credit card are unlikely to get approved unless they've built good credit through other means. There are plenty of good first-time credit cards on the market, though.

Best First-Time Credit Cards

Rates & FeesOverall: Capital One Platinum Credit CardCapital One Platinum Credit CardLearn MoreLearn Moreon issuer's website
Rates & FeesStudents: Capital One SavorOne Student Cash Rewards Credit CardCapital One SavorOne Student Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website
Cash Back: Petal® 2 Visa® Credit CardPetal® 2 Visa® Credit CardLearn MoreLearn More
Rates & FeesBest Rewards: Capital One QuicksilverOne Cash Rewards Credit CardCapital One QuicksilverOne Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website
No Credit Check: OpenSky® Secured Visa® Credit CardOpenSky® Secured Visa® Credit CardLearn MoreLearn Moreon issuer's website

You can learn more about the best first-time credit cards on WalletHub.

Upvotes

Is the Wells Fargo Active Cash Card a credit card?

Chip Lupo, Credit Card Writer

Yes, the Wells Fargo Active Cash® Card is a credit card. The Wells Fargo Active Cash Card has an annual fee of $0, works wherever Visa is accepted, reports to the credit bureaus, and allows you to pay off purchases over time. There are quite a few important things to know about the card before you apply, though.

Key Facts About the Wells Fargo Active Cash Card

Issuer: Wells Fargo
Network: Visa
Credit requirement: Good credit
Annual fee: $0

Upvotes

Is there a Wells Fargo Active Cash card referral bonus?

Maria Adams, Credit Cards Moderator

No, there isn't any Wells Fargo Active Cash card referral bonus. Unlike some of the other major credit card issuers, Wells Fargo does not let cardholders refer friends to earn bonus rewards.

The only way to earn a bonus on a Wells Fargo Active Cash card is to meet the spending requirements for its initial bonus. More specifically, the card offers $200 cash rewards after spending $500 in the first 3 months of account opening.

Alternative Credit Card That Offers a Referral Bonus

If you want to get a credit card with a solid referral bonus, you should consider the Chase Freedom Unlimited® card instead. This card comes with a $0 annual fee, and you can earn attractive cash back bonuses every year by referring friends who get approved for the card.

Upvotes

Does the Wells Fargo Active Cash Card build credit?

Adam McCann, Financial Writer

Yes, the Wells Fargo Active Cash® Card builds credit, since Wells Fargo reports your account information to all three major credit bureaus each month. Making on-time payments and keeping your balance low will improve your score. On the other hand, missing due dates or maxing out your limit could hurt your credit.

How to Build Credit with a Wells Fargo Active Cash Card

Keep your credit utilization low. It's good to keep your balance below 30% of your credit limit both on each...

Upvotes

How can I reach the Wells Fargo Active Cash customer service?

Jason Miles, Wallethub Credit Card Consultant

The easiest way you can reach the Wells Fargo Active Cash customer service is over the phone at (800) 869-3557, or online. Alternatively, you can contact them through the mail.

Here's how you can reach the Wells Fargo Active Cash customer service:

By phone: You can reach the Wells Fargo Active Cash customer service over the phone by calling (800) 869-3557.
Online: By visiting Wells Fargo's customer service webpage, you can find answers to the most popular questions addressed by customers.
...

Wells Fargo Active Cash Reviews

Share your insights and review for the Wells Fargo Active Cash® Card

3.2

What's Your Rating?

char4469
March 11, 2024 • @char4469

I have a credit score of 817, substantial assets, and income. I was notified that my application would be "declined" unless I provide detailed documentation of my income. This is ridiculous, and I will not waste my time doing that. Also, I choose not to do business in the future with Wells Fargo.

Comment

Stella Esther
March 8, 2024 • @04_macrame_drone

I have been a Wells Fargo customer for over 15 years. I have my checking, savings, and a paid-off Wells Fargo auto loan that I financed through them. I was extremely hesitant to apply because I know Wells Fargo can be very selective with their applicants. I've read about many WF customers and non-WF customers being denied with excellent scores, long verification processes, etc. My score at the time of applying on March 6th was a 721 with Experian and I was approved only a month prior with Discover It for their Cash Rewards Card for $6,000. I was super hesitant but decided to go for it. I did notice that on the online pre-qualification tool from WF, they ask if you are a WF customer and you're able to sign in, which I did. I noticed that when I did sign in versus not signing in, there was one thing that really stood out.

When I didn't sign in, it would show me different APR interest rates which would depend on my creditworthiness.

Now, when I signed in, Wells Fargo showed all the cards I prequalified for (which was all of them), and for all of them, my personal APR rate of 20.24% was set solid in bold.

Needless to say, I submitted my application for the WF Active Cash Card because it best suits me and waited less than 1 minute. No verification, no hassle, and I was approved with a $10,000 starting credit line!

Comment

Stella Esther
March 9, 2024 • @04_macrame_drone

My income is straight forward. I own a business and they have access to my income from my accounts. When you have their premier checking and saving accounts, they do see that you are able to manage and pay off higher credit limits responsibly. Wells Fargo is very selective on who they give a generous amount of credit to. I had a 92k auto loan that I financed with my bank, Wells Fargo. It didn’t take me long to pay it off at all. When you take that into consideration along side having over 25k in your checking account, they will more than likely grant you a great credit limit

Comment

Muneerah Crawford
February 5, 2024 • @maxvibrations1

I applied for this card with a credit score of 769. I have excellent credit. Instead of saying you are approved, it said 'pending more information'. Today, I called to ask what other information they needed. They said they would send me a letter in 10 days. I said, okay, cancel the application; I do not want to do business with you. Then the lady stated, we cannot cancel because you have been approved for $1500. I said you cannot force me to accept your credit card; cancel it. She told me to call customer service. I did, and that person also falsely stated they could not cancel the card. I asked to speak with the executive office, and they finally transferred me to them. I stated you cannot refuse to cancel the account. If you continue to refuse, then I will take you to court. She then said that she could cancel the card in three days. I suggest that if you cannot get a straight answer when you apply for any card from Wells Fargo or any credit card company, then do not do business with them. By the way, get the Costco CitiBank Visa card. I was given the card immediately with a six thousand dollar limit and great rewards.

Comment

mtsloss_wm57
March 3, 2024 • @mtsloss_wm57

I got the same 7 - 10 day wait myself when I applied. The letter came saying they needed me to call in. They needed to clarify my mailing address and my physical address. I was then approved for $2500. I honestly thought they were making me wait for the bad news so during the waiting period I applied for and was approved for the Savorone card for good weed.

Comment

trikala51
January 31, 2024 • @trikala51

I applied for the Wells Fargo credit card and couldn't believe I was denied even though my credit score is 820, and all my bills are paid on time, never late. I called them, and they were asking for income verification, pay stubs, and all that nonsense paperwork. The people who review the applications must not be that bright; all they need to check is the credit score and whether the credit cards are paid on time. I wish I could give them a zero rating.

Comment

Muneerah Crawford
February 5, 2024 • @maxvibrations1

wow, they said my answer was pending and then lied about it when I called them. I said okay I changed my mind I do not want to do business with you. Then the lady said I was approved for 1500 and that I would get the card in 10 days. what people do not know is that there are many credit cards out there and they are lowclass cards regardless of rewards. They do not improve your credit score and they make it difficult to pay the balance when you want to. This is why I am sticking with Citibank

Comment

Dacks959
March 27, 2024 • @Dacks959

Income verification is important since even an excellent credit does not mean a minimum wage earner can shoulder a $350K mortgage. So, it's the combination of score, earnings, and debt ratio that goes into the decision.

Comment

Justin Wilson
January 27, 2024 • @justinlwilson6

Verified Customer

Excellent card for everyday use. Hard to beat unlimited 2% cash back on all purchases. Use it in conjunction with your favorite rewards cards to maximize categories that other cards don't help with. The rewards redemption is very straightforward.

Comment

Muneerah Crawford
February 5, 2024 • @maxvibrations1

no the redemption is not straightforward after reading the comments below. I dont intend to bank with wells fargo which as a horrible reputation of fraud against their customers.

Comment

John
December 23, 2023 • @jeameagher

Verified Customer

I like the cash back feature of the $200.00 after I charge $500 in three months and the attractive 2% on purchases. I pay my balances

Comment

michael
October 24, 2023 • @mikebarnsy

Applied and went through the process with a credit score over 800. Didn’t get approved immediately when I applied online. Got a letter in the mail to call to verify. So I called and got someone in the Philippines. Horrible experience they wanted my phone number and I gave them that. Said I would get a code. Never got it. They wanted another phone number. The person could barely speak English. I just gave up. Horrible experience.

Comment

Muneerah Crawford
February 5, 2024 • @maxvibrations1

I made a mistake, I should have read the comments before applying now this will dock my credit score because I am closing it before I even get the card. A word to the wise, look at reviews before doing business with wells fargo

Comment

Diane
October 2, 2023 • @dianejustyak

Verified Customer

I've never had to wait for approval. Email stated 7 to 10 business days. My credit score is 830. Looks like I may not be approved. Not very happy. I was preapproved with Chase and Discover. Also offering me $200.00. I wanted the 2% Wells Fargo offered. I'm done!

Comment

Muneerah Crawford
February 5, 2024 • @maxvibrations1

call them and cancel the card! temporary credit score drop

Comment

Austin
September 23, 2023 • @mcgeea1013

Verified Customer

I like this for an everyday card that I know exactly what the rewards are. It also gave a $200 cash back reward after spending the first $1000

Comment

Virginia
September 30, 2023 • @link2gg

Golden1 credit union has a 4% cash back card not listed on any of these types of websites as it is NON PROFIT and not gonna pay wallet hub for anything to promote it

Comment

Chad
November 19, 2023 • @chadf_48

@link2gg Golden1's 4% cash back only applies to gas merchants and up to 5k spent, otherwise just lowly 1% ("earn a 4% cash rebate on net qualified purchases from eligible gas merchants up to $5,000 annually, 1% thereafter"); whereas the Wells Fargo Active Cash Card in question guarantees 2% cash back on ALL purchases, ALL the time, across ALL categories and with NO limit!

Comment

Candace
August 10, 2023 • @candacep_5

Verified Customer

They have gotten better on their site but not current on their balance. Otherwise love the store and online shopping variety. Plus always paying balance in full makes you feel good.

Comment

Review Wells Fargo Active Cash® Card

Expert Thoughts on Wells Fargo Active Cash

To help you make a more informed decision regarding the Wells Fargo Active Cash Card, we posed the following questions to a panel of experts. You can check out their responses by clicking “Read More” below.

If someone wants to use one credit card for everything, what do you recommend they prioritize when comparing offers?
When do you think it makes sense to get a credit card with a flat rewards rate for all purchases, versus one that gives bonus rewards on certain purchases and minimum rewards on others?
Do you think a credit card can be good if it has a high regular interest rate?
Why do you think credit cards hardly ever offer more than 2% cash back as a flat rewards rate on all purchases?

Matthew Hurst
Associate Professor of Finance and Director of the Roland and Sarah George Investments Institute, Stetson University
Read More

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Offer last updated: Apr 5th, 2024 at 07:20 ET

Wells Fargo Active Cash® Card

Wells Fargo Active Cash® Card

Accepted Credit Scores

Wells Fargo Active Cash Annual Fee

Wells Fargo Active Cash APR on Purchases

Wells Fargo Active Cash Balance Transfer

Wells Fargo Active Cash Rewards

Wells Fargo Active Cash's Additional Info

Editor's ReviewFact checked

Wells Fargo Active Cash Pros & Cons

Wells Fargo Active Cash Review

Wells Fargo Active Cash Card Review Highlights

2% cash rewards on purchases

$200 cash rewards bonus

0% for 15 months from account opening on purchases

$0 annual fee

0% for 15 months from account opening on qualifying balance transfers

$600 in cell phone protection and other perks

20.24% - 29.99% Variable APR

3% foreign transaction fee

700+ credit score needed

Compare The Wells Fargo Active Cash vs. Popular Alternatives

Wells Fargo Active Cash Card FAQ

2024 WalletHub Awards

People Also Apply For

Related Credit Card Categories

Wells Fargo Active Cash Reviews

What's Your Rating?

Expert Thoughts on Wells Fargo Active Cash

Important Disclosures

2024 WalletHub Awards

People Also Apply For

Related Credit Card Categories

Editor's Review
Fact checked