The Wells Fargo Active Cash Card is a flat‑rate cash‑back credit card that earns unlimited 2% cash rewards on purchases, with no annual fee and a straightforward $200 welcome bonus for new cardholders who meet the minimum spend. It is designed as an everyday cash‑back workhorse rather than a premium travel card, pairing solid rewards with a 0% intro APR period on purchases and qualifying balance transfers.

Quick Scoop

  • Unlimited 2% cash rewards on all eligible purchases, no rotating categories or activation.
  • $0 annual fee, making it easy to keep long term as a core cash‑back card.
  • Intro 0% APR for 12 months on purchases and qualifying balance transfers, then a variable APR (around the high‑teens to high‑20s range depending on credit profile).
  • Welcome bonus typically around $200 in cash rewards after a modest required spend in the first few months.
  • Useful perks for a no‑fee card, including up to $600 in cellphone protection (with a small deductible) and auto rental collision damage waiver when you pay with the card.
  • Best for people who want simple, flat cash‑back on everything, and who don’t want to chase rotating categories or travel transfer partners.

Key Features & Rewards

  • Rewards rate : Unlimited 2% cash rewards on purchases, with no cap and no bonus categories to track.
  • Redemptions : Cash rewards can be redeemed as statement credits, direct deposits, and other options such as gift cards or travel through Wells Fargo’s rewards platform.
  • Welcome offer : A one‑time cash rewards bonus (commonly $200) after spending a specified amount, such as $500, in the first three months of account opening.
  • Intro APR : 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers made within a set window (for example, the first 120 days), then a variable APR based on creditworthiness.

Fees, Costs, and Terms

  • Annual fee : $0.
  • Regular APR : After the intro period, a tiered variable APR in roughly the 18–29% range depending on your credit profile and market rates.
  • Balance transfers : Qualifying transfers within the intro window get the promotional 0% APR; transfers are usually subject to a balance transfer fee.
  • Protections :
    • Cellphone protection up to $600 per claim (with a deductible) when you pay your monthly bill with the card.
* Auto rental collision damage waiver when you pay for the rental with the card.

* Standard Visa security features and zero liability for unauthorized transactions when reported promptly.

How People Are Talking About It

  • Many reviewers and personal‑finance sites describe the Active Cash as a “set‑it‑and‑forget‑it” 2% card that competes with other flat‑rate cash‑back options, especially because it has no annual fee and a strong welcome bonus.
  • In forum discussions, users often praise the simplicity of 2% on everything, though some complain about Wells Fargo’s reputation and application or customer‑service experiences, sometimes using colorful analogies to describe the approval process.
  • Enthusiast cardholders sometimes pair the Active Cash with category‑bonus cards (for dining, travel, groceries, etc.), using this card as the default for all non‑bonus spending to reliably earn 2%.

When This Card Makes Sense

  • You want one main everyday card with easy, flat rewards instead of juggling rotating bonus categories.
  • You prefer cash back over points and don’t need advanced travel transfer partners or luxury travel perks.
  • You can take advantage of the intro 0% APR to finance a large purchase or consolidate a balance, and you have a plan to pay it off before the promo ends.

Information gathered from public forums or data available on the internet and portrayed here.