Active Cash®

The Wells Fargo Active Cash Card is a simple, high-earning option for anyone who wants flat-rate rewards on every purchase without paying an annual fee. It works equally well as a hassle-free primary card or as a dependable backup for expenses outside specialized category cards.

Welcome Offer

20,000 Points

Annual Fee

Rec. Credit Score

Excellent

Good For

Everyday cash back

How to Apply Estimate your value

All information about Active Cash® has been collected independently by MaxRewards. Active Cash® is no longer available through MaxRewards.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the Active Cash® worth it?

This card is great for...

Everyday non-category spending

Cell phone protection

Low-maintenance rewards

Earning an unlimited 2% cash back with no annual fee makes the Active Cash one of the strongest straightforward credit cards available. With an easy-to-reach welcome bonus and zero rotating categories or spending caps to manage, it delivers immediate value on day-to-day purchases.

While it does not offer elevated rewards for specific categories like groceries or dining and charges a 3% foreign transaction fee on international purchases, the card still stands out thanks to built-in cell phone protection. If you want a dependable domestic card that yields competitive returns on all spending without complex rules, this card is easily worth having.

MaxRewards Verdict

This card is an outstanding, low-maintenance option for earning top-tier flat-rate cash back on everyday domestic purchases, though frequent international travelers should pair it with a card that waives foreign transaction fees.

Welcome Offer

20,000 Points

after you spend $500 on purchases on your new card in your first 3 months of card membership.

Est. Value

$200

Required Spend

$500

Time Frame

3 Months

Est. Value

$200

Required Spend

$500

Time Frame

3 Months

Earning

Rewards

Earning cash back is straightforward, with a clean flat rate applied to all eligible purchases without bonus categories or earning caps.

CategoryRate

Everywhere

Rewards percent based on a valuation of 1¢ per Go Far Rewards point

Benefits

More Benefits

Cellular Telephone Protection

Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

Auto Rental Collision Damage Waiver

Pay for rental cars using an eligible card and get reimbursed for covered damage or theft.

Travel and Emergency Assistance Services

Available for covered Wells Fargo cardholders. Count on emergency assistance while traveling anywhere in the world. To learn more, call 1-800-992-6029. If you are outside the U.S., you can call collect: 1-804-673-1675.

Roadside Dispatch®

Available whenever you're in need of a tow - for eligible Wells Fargo cardholders 24/7 with no membership required. To learn more call 1-800-847-2869.

Eligibility

Recommended Minimum Credit

Min: Excellent

Poor

Fair

Good

Excellent

Excellent credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing