The Wells Fargo Active Cash® Card is a standout option in the competitive world of credit cards, offering a straightforward rewards structure and a range of features that cater to various spending habits. Whether you’re a seasoned credit card user or new to managing credit, this card delivers exceptional value through its flat cash back rewards, introductory offers, and additional perks
Unlimited 2% Cash Rewards on Purchases
One of the most attractive features of the Wells Fargo Active Cash® Card is its unlimited 2% cash rewards on all purchases. Unlike cards with category-based rewards or rotating cashback options, this flat-rate structure ensures simplicity and consistency. Whether you’re buying groceries, paying utility bills, or shopping online, every purchase earns the same generous rewards rate.
Moreover, this feature is especially advantageous for individuals who prefer not to track spending categories or juggle multiple cards to maximize rewards. Over time, the 2% cash back can add up significantly, providing a seamless way to save money on everyday expenses.
Introductory Offers: APR and Welcome Bonus
The card also boasts a competitive introductory APR offer for new cardholders. You can enjoy 0% APR on purchases and qualifying balance transfers for the first 15 months, followed by a variable APR of 19.99%-29.99%. This makes the card an excellent choice for those looking to finance a large purchase or consolidate debt without incurring high interest charges.
Additionally, the $200 cash rewards bonus is an appealing welcome offer. To qualify, new cardholders need to spend just $1,000 within the first three months of account opening. This low spending threshold ensures that the bonus is easily attainable, providing immediate value for new users.
Flexible Redemption Options
The Wells Fargo Active Cash® Card offers flexible redemption options, allowing you to use your rewards in a way that suits your lifestyle. You can redeem cash rewards as:
- Statement credits
- Direct deposits into a Wells Fargo account
- Gift cards
- Travel bookings through Wells Fargo’s portal
Furthermore, this flexibility ensures that your rewards are accessible and usable, whether you want to offset your credit card bill or save for a future purchase.
No Annual Fee
So, unlike many rewards cards, the Wells Fargo Active Cash® Card has no annual fee, allowing you to maximize your cash rewards without worrying about an ongoing cost. This feature is especially valuable for budget-conscious cardholders or those who want to avoid fees while still earning substantial rewards.
Additional Perks and Protections
Wells Fargo enhances the value of the Active Cash® Card with a range of additional perks, including:
- Cell Phone Protection: When you pay your monthly phone bill with the card, you’re covered for eligible damage or theft up to $600 per claim (subject to a $25 deductible).
- Zero Liability Protection: Protects you from unauthorized transactions, offering peace of mind in case your card is lost or stolen.
- Visa Signature® Benefits: Includes access to travel and dining experiences, concierge services, and discounts at select retailers.
A Great Option for Everyday Use
In conclusion, the Wells Fargo Active Cash® Card is a versatile and rewarding option for everyday spending. With its unlimited 2% cash back, introductory APR and bonus offers, and no annual fee, it caters to a wide range of financial goals. Whether you’re focused on earning straightforward rewards, managing debt, or enjoying extra perks, this card delivers exceptional value. For anyone seeking a reliable, easy-to-use credit card, the Wells Fargo Active Cash® Card is a compelling choice.
$0
2%
$200
690-850 (Good – Excellent)
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Product Details
- 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.
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Our Take
Pros:
- Unlimited 2% cash rewards on purchases
- Earn a $200 cash rewards bonus*
- $0 annual fee
- Cell phone protection benefit
Cons:- There’s a balance transfer fee
- There’s a foreign transaction fee
- No travel transfer partners
Highlights:
- 2% Cash Rewards: No categories; just simple cash back.
- $200 Bonus: After spending $500 within 3 months.
- 0% Intro APR: For 15 months on purchases and balance transfers.
- No Annual Fee: All benefits with zero cost.
- Easy Redemption: Cash back your way.
- Extra Perks: Includes cell phone protection.
Perfect for anyone seeking simple, effective cash-back earnings. Maximize rewards effortlessly with the Wells Fargo Active Cash® Card, offering a straightforward 2% cash back on all purchases.
