Wells Fargo Active Cash – How to Apply
The Wells Fargo Active Cash® Card has quietly become one of the most talked-about flat-rate cashback cards in the market.
It combines simplicity, value, and flexibility into a sleek package that makes it a perfect fit for everyday spenders.
While other cards try to dazzle with complex reward systems or gimmicky perks, the Active Cash card focuses on one thing: consistent cash back.
You earn 2% back on every single purchase, regardless of category. And it doesn’t stop there—you’ll also get a $200 cash bonus and a 0% intro APR offer to help you get even more value right away.
With no annual fee, the math works out in your favor from the very beginning. Whether you’re paying rent with Plastiq, subscribing to streaming services, or buying groceries, this card rewards everything without exception.
Wells Fargo Active Cash
No annual fee No travel-specific rewardsHow does the Wells Fargo Active Cash® Card work?
The structure is beautifully straightforward. Every purchase you make earns 2% cash rewards, which are automatically redeemable as a statement credit, direct deposit, or even toward a qualified Wells Fargo loan.
The Wells Fargo Active Cash card includes a $200 welcome bonus when you spend $500 within the first 3 months—an easy target for most users.
On top of that, it comes with 0% intro APR for 15 months on both purchases and qualifying balance transfers, giving you breathing room for large expenses or consolidating existing debt.
Wells Fargo Active Cash also adds valuable benefits like cell phone protection, which reimburses you up to $600 (after a $25 deductible) for covered damage or theft when you pay your phone bill with the card. That’s a practical perk not found on many no-fee cashback cards.
The card runs on the Visa Signature network, so you also get added benefits like travel and emergency assistance, concierge services, and access to Visa Signature luxury hotel perks.
Main Benefits of the Wells Fargo Active Cash® Card
Let’s start with the cashback—2% on everything. It’s rare to find a no-fee card that gives a flat rate across the board. That means no tracking, no rotating categories, and no activation—just consistent earnings on every dollar you spend.
The $200 cash bonus is generous and easy to earn, requiring only $500 in purchases in three months. It’s ideal for people who don’t want to spend thousands to get a reward.
The 0% intro APR for 15 months is another strong perk. Whether you’re financing a large purchase or managing a balance transfer, this offer provides some of the best breathing room in the industry.
Other notable benefits include:
- Flexible redemption options
- Cell phone protection (up to $600 reimbursement)
- Visa Signature travel perks
- Digital wallet compatibility (Apple Pay, Google Pay, Samsung Pay)
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Cons of the Wells Fargo Active Cash® Card
Despite its strengths, this card isn’t perfect. One of the main drawbacks is the 3% foreign transaction fee, which makes it less ideal for frequent international travelers.
Also, for users who like to game reward systems or focus spending in bonus categories to earn 4% or 5% cash back, this card might feel a bit “flat.” There are no rotating categories or limited-time bonuses to chase.
Lastly, approval generally requires good to excellent credit. Those still building or repairing their credit may have difficulty qualifying.
APR and Fees
Here’s a breakdown of the main costs:
- Purchase APR: 20.24% to 29.99% variable after intro period
- Intro APR: 0% for 15 months on purchases and balance transfers
- Balance Transfer Fee: 3% (or 5% if made after 120 days)
- Annual Fee: $0
- Foreign Transaction Fee: 3%
- Penalty Fees: Up to $40 for late payments
While the APR after the intro period is standard for the industry, it’s best to use the 15-month window to pay down balances and avoid interest altogether.
How to Apply for the Wells Fargo Active Cash® Card
- Visit the Wells Fargo website and go to the Wells Fargo Active Cash product page.
- Click “Apply Now” and begin filling out your application.
- Enter your personal details including income and housing status.
- Review your terms and submit your application for a decision.
- If approved, your card will arrive by mail and be ready for activation within days.
- Start spending and earning 2% cashback immediately—no registration or setup needed.
