Wells Fargo Active Cash® Card: Unlimited 2% Cash Back with No Annual Fee

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If you’re looking for a straightforward and rewarding cash-back credit card, the Wells Fargo Active Cash® Card might be the perfect choice.

With unlimited 2% cash back on all purchases, a $200 welcome bonus, and a 0% introductory APR offer, this card offers incredible value without any complicated reward categories.

Why Consider the Wells Fargo Active Cash® Card?

Many cash-back cards feature rotating categories or spending caps, but the Wells Fargo Active Cash® Card keeps it simple: Earn 2% unlimited cash back on every purchase, every day. Whether you’re buying groceries, gas, or booking travel, you’ll earn the same great rewards.

Key Benefits:

• Unlimited 2% cash back on all purchases with no category restrictions.
• $200 welcome bonus after spending $500 in the first three months.
• 0% intro APR for 12 months on purchases and balance transfers.
• No annual fee, so you keep more of your rewards.
• Cell phone protection when you pay your monthly bill with the card.
• Visa Signature perks, including concierge service and hotel discounts.

Maximize Your Cash Back

How to Earn Rewards:

• 2% cash back on every purchase – No need to track bonus categories.
• No spending caps – Earn unlimited rewards, no matter how much you spend.
• No expiration on rewards – Your cash back never expires as long as your account remains open.

How to Redeem Cash Back:

• Apply as a statement credit to reduce your balance.
• Withdraw as cash at Wells Fargo ATMs (in $20 increments).
• Transfer rewards directly to a Wells Fargo checking or savings account.
• Receive a mailed paper check if you prefer a physical payout.

Intro APR & Fees

• 0% intro APR for 12 months on purchases and balance transfers.
• Variable APR of 19.24%, 24.24%, or 29.24% after the intro period.
• Balance transfer fee: 3% for 120 days from account opening, then 5%.
• No annual fee, making it a cost-effective way to earn rewards.

Who Should Get This Card?

This card is ideal for:

• Everyday spenders who want a flat 2% cash-back rate with no category tracking.
• New cardholders looking for a $200 welcome bonus with a low spending requirement.
• Anyone looking for a 0% intro APR period to finance large purchases or consolidate debt.
• People who value simple and flexible rewards without worrying about rotating categories.

Extra Perks and Protections

• Cell phone protection up to $600 per claim when you pay your bill with the card.
• Visa Signature benefits, including concierge service, extended warranty protection, and more.
• Fraud protection and real-time alerts to keep your transactions secure.
• Contactless payment and digital wallet compatibility for quick and secure transactions.

Frequently Asked Questions

1. Does the Wells Fargo Active Cash® Card have an annual fee?

No, the card has no annual fee, making it a cost-effective choice for earning unlimited 2% cash back.

2. What is the welcome bonus for new cardholders?

You can earn a $200 cash rewards bonus after spending $500 within the first three months.

3. What is the introductory APR offer?

The card offers 0% intro APR for 12 months on purchases and balance transfers. After that, the variable APR is 19.24% to 29.24%.

4. How can I redeem my cash back?

You can redeem your rewards as a statement credit, Wells Fargo ATM withdrawal, direct deposit, or mailed check.

5. Can I use this card for balance transfers?

Yes, the card allows 0% APR on balance transfers for 12 months, but a balance transfer fee applies.

6. Is this card good for international travel?

The card charges a 3% foreign transaction fee, so it may not be the best choice for frequent travelers.

7. What credit score is needed to qualify?

A good to excellent credit score (690-850) is typically required for approval.

8. Does this card have rotating bonus categories?

No, this card offers a flat 2% cash back on all purchases, making it simpler than cards with rotating categories.

9. How does this card compare to other cash-back cards?

Unlike other cash-back cards that offer higher rates only in specific categories, this card provides unlimited 2% cash back on every purchase.

10. Does this card offer travel insurance or purchase protection?

Yes, as a Visa Signature card, it includes purchase protection, extended warranty coverage, and travel-related benefits.

The Best Simple Cash-Back Card for Everyday Spending

The Wells Fargo Active Cash® Card is one of the best flat-rate cash-back credit cards available. With unlimited 2% cash back, a $200 welcome bonus, and no annual fee, it’s an excellent choice for those who want a hassle-free way to earn rewards on every purchase.

If you’re tired of keeping track of spending categories and just want a simple, rewarding card, the Wells Fargo Active Cash® Card is the perfect solution. Plus, with 0% intro APR for 12 months, it provides extra flexibility for financing large purchases or consolidating existing credit card debt.

Take advantage of unlimited rewards, no fees, and added protections by applying today.