Cash Back card review
Wells Fargo Active Cash® Card
Flat 2% on everything with no annual fee. One of the simplest cards worth owning.
Open to new applicantsPartly verified
At a glance
Annual fee$0
Welcome offer$100 cash rewards bonus$500 in 3 months
IssuerWells Fargo
Rewards programWells Fargo Cash Rewards
Foreign transaction feeNot confirmed
Welcome offer
$100 cash rewards bonus after $500 of spending within 3 months.
Shown on Wells Fargo's own card listing page on 2 November 2026.
Earning rates
| Rate | On | Cap or condition |
|---|---|---|
| 2% | Every purchase | Longstanding published rate; not re-confirmed on the listing page. |
Benefits and credits
- No annual fee
- Cell phone protection When you pay your phone bill with the card. A deductible applies.
Restrictions worth knowing
- Wells Fargo application limits apply.
- Foreign transaction fee status was not confirmed on the page we read.
How to use it well
- A flat 2% no-fee card is the right default for anyone who does not want to think about categories.
- Use it as the benchmark: if a category card does not beat 2% on your actual spending, it is not worth holding.
Sources and freshness
What we checked: Fee and welcome offer read from Wells Fargo's own listing page, 2 November 2026. The 2% rate is the card's longstanding published rate.
- Wells Fargo: credit cards — read November 2, 2026
Last updated: November 2, 2026.
Other Wells Fargo cards
- Wells Fargo Autograph Journey® Card — $95, open to new applicants
- Wells Fargo Autograph® Card — $0, open to new applicants