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Wells Fargo Active Cash Card – Full Review

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Jarrod West

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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...
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Wells Fargo Active Cash® Card
Rates & Fees

Wells Fargo Active Cash® Card

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
Learn More(at Wells Fargo's secure site)
  • $200 cash rewards bonus

  • $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.

  • Good to Excellent (670-850)

Wells Fargo Active Cash® Card

The Wells Fargo Active Cash card earns 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
Learn More(at Wells Fargo's secure site)

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 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
  • Cell phone protection

Cons

  • No bonus categories for those who want to optimize certain purchases

Upgraded Points: Expertise You Can Trust

Our seasoned and experienced team brings years of expertise in the credit card and travel sectors. Committed to integrity, we offer data-driven guides to help you find the card(s) that best fit your requirements. See details on our intensive editorial policies and card rating methodologies.

  • Content by Leading Industry Experts
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  • First-Hand Credit Card Experience
  • Shared Across 200+ Top Outlets
  • Methodical “U.P. Rating” System
  • 1050+ Expert Credit Card Guides

Great Card If

  • You want a simple card with 2% cash rewards on purchases
  • You want a card without an annual fee
  • You need a card with 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 rewards credit card, the Wells Fargo Active Cash Card could certainly be worth it for you. Not only does it offer 2% cash rewards on purchases without an annual fee, but also offers perks like cell phone protection and a low intro APR offer.

Wells Farge Active Cash Card — Top Benefits

Introductory APR Offer

If you need to finance a large purchase, the Wells Fargo Active Cash Card could be a great option thanks to its 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 thereafter.

Cell Phone Protection

Simply pay your monthly cell phone bill with your Wells Fargo Active Cash Card and you could receive up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. 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 Rewards

You don’t have any bonus categories to worry about with the Wells Fargo Active Cash Card. When it comes to earning as many cash rewards as possible, you’ll want to use it for as many purchases as you can and earn the 2% cash rewards.

When you are ready to redeem your cash rewards, you have a few options. You could redeem to offset eligible purchases on your credit card starting at just $1, have your cash rewards as a credit 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

Citi® Double Cash Card

Citi Double Cash® Card
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.

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!
Earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
$200 cash back
$0
0% Intro APR for 18 months on balance transfers, then 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
  • Bonus Offer: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 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).
  • Citi Double Cash® Card Travel Portal Limited Time Offer: Earn a total of 5 ThankYou Points per $1 spent on hotel, car rental, and attractions, excluding air travel, when booked through the Citi TravelSM portal on ThankYou.com or by calling 1-800-Thankyou and saying “Travel.” Offer is valid through 11:59 PM Eastern Time (ET) 12/31/2024.
Financial Snapshot
  • APR: 0% Intro APR for 18 months on balance transfers, then 19.24% - 29.24% Variable
  • Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase
Rewards Center

Citi ThankYou Rewards

As far as 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.

Chase Sapphire Preferred® Card

GREAT STARTER CARD
Chase Sapphire Preferred® Card
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.

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Learn More(at Chase's secure site)
A fantastic travel card with a great 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 Travel℠.
60,000 points
$1,200
$95
21.49%-28.49% 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.
Good to Excellent (670-850)

The Chase Sapphire Preferred® card is one of the best travel rewards cards on 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 Travel portal
  • 5x points on select Peloton purchases over $150 (through March 31, 2025)
  • 5x points on Lyft purchases (through March 31, 2025)
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 Travel℠.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. 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.
  • Member FDIC
Financial Snapshot
  • APR: 21.49%-28.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

Chase Ultimate Rewards

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 Travel, 3x points on dining, online grocery purchases, and select streaming services, and 2x points on all other travel purchases.

Plus, the card offers access to Chase transfer partners, a $50 annual hotel credit, travel protections, and perks with merchants like Instacart and DoorDash.


The information regarding the Citi Double Cash® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Frequently Asked Questions

What are the features & 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.

Jarrod West's image

About Jarrod West

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.

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