Card details · Wells Fargo
Wells Fargo Active Cash review: fees, rewards and APR
The Wells Fargo Active Cash® is a credit card from Wells Fargo with a $0 annual fee. By our overall score it ranks #122 of the 242 credit cards we rank (store-only cards excluded), and #3 of 7 Wells Fargo cards. It is listed in our cash back and 0% intro APR rankings.
Key facts
- Issuer
- Wells Fargo
- Network
- Visa
- Annual fee
- $0
- Welcome offer
- Earn $100 cash rewards bonus when you spend $500 in purchases in the first 3 months.
- Intro APR
- purchases 12 months · balance transfers 12 months
- Ongoing APR
- 18.74%, 24.74% or 28.74%
- Balance transfer fee
- Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5.
- Our overall score
- 56 (#122 of 242 cards)
Sign-up bonus history
Below the highest offer we’ve tracked ($200)
- Current offer
- $100
Earn $100 cash rewards bonus when you spend $500 in purchases in the first 3 months. - Highest tracked since April 2026
- $200
Earn $200 cash rewards bonus when you spend $500 in purchases in the first 3 months. - Lowest tracked since April 2026
- $100
Earn $100 cash rewards bonus when you spend $500 in purchases in the first 3 months. - Changes tracked
- 1
Show each tracked change
| Date | Headline amount | Offer as recorded |
|---|---|---|
| Apr 22, 2026 | $200 | Earn $200 cash rewards bonus when you spend $500 in purchases in the first 3 months. |
| Sep 1, 2026 | $100 | Earn $100 cash rewards bonus when you spend $500 in purchases in the first 3 months. |
We compare each offer’s headline bonus amount and track it since April 2026 (earlier history is not covered). Spend requirements and time windows may have changed too. Past offers don’t predict future ones. Methodology.
Rewards
- 2% back on all purchases
Benefits and notes
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible; 0% introductory APR for 12 months from date of account opening for purchases and balance transfers. After that, your APR will be 18.74%, 24.74%, or 28.74%, based on your creditworthiness.
Intro APR and balance transfers
0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. After that your variable APR will be 18.74%, 24.74% or 28.74%. Balance transfers made within 120 days from account opening qualify for the intro rate and fee.
Balance transfer fee: Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5.
Ongoing APR: 18.74%, 24.74% or 28.74%
Where it ranks
- Overall: #122 of 242 cards (score 56)
- Wells Fargo credit cards: #3 of 7
- Cash back cards: #15 of 69 by our cash back score
- 0% intro APR cards: #36 of 46 by our 0% intro APR score
Category positions use the score each category ranking is built on, among the non-store cards tagged with that category in our database; a category page can show fewer cards (for example after filters), so its on-page position can differ slightly.
How we put this page together
Everything on this page comes from our card database (checked against Wells Fargo’s own site) as of October 9, 2026: fees, APRs, rewards and the welcome offer are shown as stored, without our own estimates. The score is our overall card score, explained in our methodology. We don’t publish star ratings or user reviews. Terms apply; confirm current terms with the issuer before applying.
Frequently asked questions
What is the annual fee on the Wells Fargo Active Cash?
$0, as stored in our database. Confirm the current fee on Wells Fargo’s site.
Does the Wells Fargo Active Cash have a welcome bonus?
Our database lists this offer: Earn $100 cash rewards bonus when you spend $500 in purchases in the first 3 months. Offers change often and terms apply.
Does the Wells Fargo Active Cash have a 0% intro APR?
Our database lists: 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. After that your variable APR will be 18.74%, 24.74% or 28.74%. Balance transfers made within 120 days from account opening qualify for the intro rate and fee. Terms apply.
How does the Wells Fargo Active Cash rank on YourBestCards?
#122 of 242 cards by our overall score (56). In our category lists: #15 of 69 cash back cards; #36 of 46 0% intro APR cards.
What is the highest Wells Fargo Active Cash sign-up bonus you have tracked?
Since April 2026, the highest headline amount we have tracked is $200 and the lowest is $100, across 1 change. The current offer is $100. This only covers the period we have tracked; terms apply.
Other top Wells Fargo cards
- #1
Wells Fargo Signify Business Cash®
Score 60- Unlimited 2% cash rewards on purchases
- Annual fee
- $0
- Welcome offer
- EARN a $500 cash rewards bonus when you spend $5,000 in purchases for your business in the first 3 months
- Intro APR
- purchases 12 months
- Annual fee
- $0
- Intro APR
- purchases 21 months · balance transfers 21 months
- 3X points on restaurants, dine in, take-out, catering and delivery, gas stations and transit including electrical vehicle charging stations, subways, ride shares, parking and tolls
- popular streaming services & phone plans
- travel like airfare, hotels, car rentals, and cruises
- Annual fee
- $0
- Welcome offer
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months
- Intro APR
- purchases 12 months
- #5
Choice Privileges® Select Mastercard®
Score 55- 10X points at Choice Hotels
- 5X on gas/grocery
- home improvement
- Annual fee
- $95
- Welcome offer
- EARN 60,000 bonus points when you spend $3,000 in purchases in the first 3 months
- #6
Autograph Journey℠ Card
Score 54- 5X points with hotels
- 4X points with airlines
- 3X points on other travel and restaurants
- Annual fee
- $95
- Welcome offer
- Earn 60,000 bonus points when you spend $4,000 in purchases within the first 3 months
Offers, fees and APRs are shown as stored in our database and can change at any time; terms apply. Always confirm current terms on the issuer’s site before applying. Not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure.