Wells Fargo Active Cash Card: 2% Cash Back on Everything, $200 Bonus, No Annual Fee

Overview and key features

The Wells Fargo Active Cash Card is a straightforward cash back card built for everyday spending in the United States. Cardholders earn unlimited 2% cash back on purchases, enjoy a $200 sign-up bonus after spending $500 in the first three months, and pay no annual fee, making it a strong choice for people who want high rewards with minimal fuss.

Beyond rewards, the card offers a 0% intro APR on purchases and qualifying balance transfers for 15 months, plus Visa Signature benefits like concierge service and cell phone protection when you pay your bill with the card. Those perks lift the Wells Fargo Active Cash Card from a basic cash back product to a practical daily driver.

Rewards structure and redemptions

With a flat 2% cash back rate, the Wells Fargo Active Cash Card removes the need to track rotating categories or juggling multiple cards. Whether you’re buying groceries, filling up at the pump, or paying streaming subscriptions, every swipe earns the same reliable return—ideal for folks who prefer one card that covers everything.

Redeeming rewards is flexible: statement credits, direct deposit into a Wells Fargo checking or savings account, ATM withdrawals in $20 increments, or a mailed check. That range of redemption options helps maximize value and convenience for cardholders who want immediate or bank-linked access to cash back.

Intro APR, fees and travel considerations

The 15-month 0% APR offer on purchases and qualifying balance transfers makes the Wells Fargo Active Cash Card useful for larger buys or consolidating higher-interest debt, though balance transfers carry a fee—3% for the first 120 days then up to 5%. After the intro period, standard variable APRs apply, so plan pay-downs accordingly to avoid interest charges.

Note that the card charges a 3% foreign transaction fee, which can add up if you travel internationally. For frequent travelers, a no-foreign-transaction-fee option may be better, but for domestic everyday spending the combination of 2% cash back and no annual fee usually outweighs this downside.

Who should apply and final takeaways

The Wells Fargo Active Cash Card is tailored for US consumers who want a single, simple rewards card: no annual fee, unlimited 2% cash back, and a $200 sign-up bonus for light-to-moderate spenders. It’s an excellent primary card for people who prioritize uncluttered finances and consistent returns without managing category bonuses.

If you value straightforward earning, flexible redemptions and a strong intro APR for purchases or balance transfers, the Wells Fargo Active Cash Card is worth considering. Compare your spending habits—if you spend heavily in dining or travel, you might also weigh specialized cards, but for plain-value cash back, this card is hard to beat.