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Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in o...
With years of experience in corporate marketing and as the Executive Director of the American Chamber of Commerce in Qatar, Keri is now Editor-in-Chief at UP, overseeing daily content operations and r...
Juan has been involved in credit cards, loyalty, travel, and personal finance for more than 10 years. He has worked for several outlets including The Points Guy and Forbes and was previously Editor-in...
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The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
3.5
$200
$0
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.
Good to Excellent (670-850)
Wells Fargo Active Cash® Card
The Wells Fargo Active Cash Card earns an uncapped 2% cash rewards on purchases with no annual fee.
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
3.5
Card Snapshot
Welcome Bonus & Info
Select “Learn More” to take advantage of this specific offer and learn more about product features, terms and conditions.
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
Earn unlimited 2% cash rewards on purchases.
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.
No categories to track or remember and cash rewards don’t expire as long as your account remains open.
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.
Pros
Earn unlimited 2% cash rewards on purchases
No annual fee
0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 20.24%, 25.24%, or 29.99% variable APR; 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
Cell phone protection
Cons
No bonus categories for those who want to optimize certain purchases
Great Card If
You want a simple card with 2% cash-back on every purchase
You want a card without an annual fee
You need a card with a cell phone protection
Don’t Get If
You prefer a card that offers bonus categories
You want a card that earns flexible rewards
Wells Farge Active Cash Card — Is It Worth It?
If you’re looking for a no-fuss cash-back credit card, the Wells Fargo Active Cash card could certainly be worth it for you. Not only does it offer an uncapped 2% cash-back on all purchases without an annual fee, but also offers perks like cell phone protection and a 0% intro APR offer.
Wells Farge Active Cash Card — Top Benefits
Introductory APR Offer
If you need to finance a large purchase, the Wells Fargo Cash card could be a great option thanks to its 0% intro APR offer for 15 months. This will allow you to pay the purchase off overtime without being charged interest in the meantime.
Cell Phone Protection
Simply pay your monthly cell phone bill with your Wells Fargo Active Cash card and you can receive up to $600 of cell phone protection against damage or theft. This coverage is limited to up to 2 claims per 12-month period and there is a $25 deductible per claim.
Best Ways To Earn and Redeem Your Cash-Back
You don’t have any bonus categories to worry about with the Wells Fargo Active Cash card. When it comes to earning as much cash-back as possible, you’ll want to use it for as many purchases as you can to earn the uncapped 2% cash-back.
When you are ready to redeem your cash-back, you have a few options. You can redeem to offset eligible purchases from your credit card starting at just $1, have your cash-back deposited straight into a qualifying Wells Fargo account, or redeem for popular gift cards in $25 increments.
Alternative Cards to the Wells Fargo Active Cash Card
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!
Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!
$0
19.24% - 29.24% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Fair to Excellent (580-850)
The Citi Double Cash® Card has long been one of the top cash-back credit cards on the market, and the card now has the ability to earn Citi ThankYou Points!
This means that cardholders of the Double Cash card will now earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Cash back is earned in the form of ThankYou Points. This means each billing cycle, you will earn 1 ThankYou point per $1 spent on purchases and an additional ThankYou point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker.
Citi has turned the Double Cash card into a top choice for those who are looking for an everyday, no-fuss credit card.
Pros
Uncapped 2% for every $1 spent (1% when you buy and another 1% when you pay)
Flexible redemption options
No annual fee
Cons
No bonus categories
3% foreign transaction fees
Lack of premium travel benefits
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.
Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Financial Snapshot
APR: 19.24% - 29.24% Variable
Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase
As far as uncapped cash-back rewards cards go, the Double Cash card is a highly popular option with 2% back on all purchases (1% back when you buy, plus an additional 1% as you pay for those purchases) and no annual fee. Plus, your cash-back is earned in the form of ThankYou Points, which can then be pooled with a premium Citi ThankYou Rewards card that offers access to all of Citi’s transfer partners.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
60,000 points
$1,200
$95
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Chase Sapphire Preferred® card is one of the best travel rewards cardson the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.
Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.
Pros
5x points on all travel booked via the Chase Ultimate Rewards portal
5x points on select Peloton purchases over $250 (through March 31, 2025)
5x points on Lyft purchases (through March 31, 2025)
3x points on dining purchases, online grocery purchases, and select streaming services
2x points on all other travel worldwide
$50 annual credit on hotel stays booked through the Chase Ultimate Rewards portal
6 months of complimentary Instacart+ (activate by July 31, 2024), plus up to $15 in statement credits each quarter through July 2024
Excellent travel and car rental insurance
10% annual bonus points
No foreign transaction fees
1:1 point transfer to leading airline and hotel loyalty programs like United MileagePlus and World of Hyatt
Complimentary Spot Club Platinum status with The Parking Spot for 2 years, 20% off of your first reservation, and points for 1 free day of parking (enroll by October 26, 2023)
Cons
$95 annual fee
No elite benefits like airport lounge access or hotel elite status
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
If you prefer a card that earns flexible rewards that can be used for travel, then the Chase Sapphire Preferred card should be at the top of your list. With it, you’ll earn 5x points on purchases through Chase Ultimate Rewards portal, 3x points on dining, online grocery purchases, and select streaming services, and 2x points on all other travel purchases.
The information regarding the Wells Fargo Active Cash® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
Frequently Asked Questions
What are the benefits of the Wells Fargo Active Cash Card?
The top features & benefits of the Wells Fargo Active Cash Card include 2% cash rewards on purchases, no annual fee, a low intro APR offer, and cell phone protection.
What is the credit limit on the Wells Fargo Active Cash Card?
Your exact credit limit will be determined by factors like your credit score, income, the amount of credit Wells Fargo has already extended to you, and more. That said, if you are approved for the card your credit limit will be at least $1,000.
Does the Wells Fargo Active Cash Card have an annual fee?
No, the Wells Fargo Active Cash Card does not charge an annual fee.
Does the Wells Fargo Active Cash Card have a foreign transaction fee?
Yes, the Wells Fargo Active Cash Card charges a 3% foreign transaction fee.
Is the Wells Fargo Active Cash Card hard to get?
Your approval odds for the Wells Fargo Active Cash Card will depend on a variety of factors. That said, you should have reasonably high approval odds if you have a good to excellent credit score of 670 or higher.
Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.
