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3. Wells Fargo Active Cash® Card review: Simple cash back rewards

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537 reviews from Intuit Credit Karma members

2.6

Rating: 2.6 out of 5.

Editors’ Take: This card offers a straightforward approach to earning cash back with no annual fee. Its 2% unlimited cash back makes it a good choice for everyday spending.

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Great for high flat-rate cash back

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Annual fee: $0

The average credit score for members who have matched with this card or similar cards is 683

The average credit limit for members who have matched with this card or similar cards is $6,373

Explore more about this card:

• Pros and cons
• In-depth Editorial review
• Member reviews

Here’s the average credit limit of members who matched their Wells Fargo Active Cash® Card or similar cards.

% of members by credit limit range

The average credit limit for members who have matched with this card or similar cards is $6,373, with $3,000 being the most common.

Here’s the average credit score of members who matched their Wells Fargo Active Cash® Card or similar cards.

% of members by credit score range

The average credit score for members who have matched with this card or similar cards is 683, with 746 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Member stats

Updated daily

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35.7%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

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43 years

Average age of members who matched this card or similar cards.

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$88,125

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

Pros and cons

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High cash back rate on all purchases

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Sign-up bonus

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No annual fee

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No bonus category rewards rates

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Only basic redemption options

Wells Fargo Active Cash® Card review

Updated October 18, 2024

This date may not reflect recent changes in individual terms.

Written by: Sean McQuay

Wells Fargo Active Cash® Card: What you need to know

The Wells Fargo Active Cash® Card is a straightforward cash back rewards card that offers a flat cash back rate on all purchases, plus a sign-up bonus and a $0 annual fee. This unique combination makes this card a great choice for people who want to streamline their wallet and have just one easy-to-use card.

No-hassle rewards at a high flat rate

The Wells Fargo Active Cash® Card offers a 2% flat cash back rewards rate. Another small perk of this rewards rate: You’ll always earn your 2% cash back as you make purchases.

Limited cash redemption options

You can redeem your cash rewards to cover recent purchases that you made on the card, or you can use your rewards to get gift cards in $25 increments. If you’re an existing Wells Fargo banking customer, you may also be able to redeem your points for a statement credit on a qualifying Wells Fargo credit card, checking account or mortgage account — or you can take out rewards as cash in $20 increments using your Wells Fargo debit card or ATM card.

Strong sign-up bonus

The Wells Fargo Active Cash® Card offers $200 in cash rewards after new cardholders spend $500 on eligible purchases in the first 3 months after account opening. The bonus helps this card stand out.

No annual fee

The Wells Fargo Active Cash® Card doesn’t charge cardholders an annual fee. That means you don’t need to worry about earning enough rewards on the card to recoup costs.

What else you need to know about the Wells Fargo Active Cash® Card

If you’re considering adding the Wells Fargo Active Cash® Card to your wallet, here are a few more things to keep in mind.

• Cellphone protection worth up to $600 — If you use your card to pay your cellphone bill, you can get protection from damage and theft not covered by other insurance, after paying a $25 deductible.
• Intro APR offer — Wells Fargo Active Cash® Card offers 0% intro APR for the first 12 months from account opening on both purchases and balance transfers. Balance transfers must be requested within 120 days of account opening, and you’ll pay a balance transfer fee: 3% for 120 days from account opening, then up to 5% (minimum $5). After the intro periods end, the ongoing APR for both purchases and balance transfers is a variable 19.49%, 24.49%, 29.49%.

Who this card is good for

The Wells Fargo Active Cash® Card may be a good fit for people who like a simple way to earn cash back on all purchases. If you’re someone who doesn’t want to think too much about which card to use for specific purchases in order to earn points, then this card might be something you want to consider.

Not sure this card is right for you? Consider these alternatives.

The Wells Fargo Active Cash® Card is a great all-around card, but if you’re looking for something more specialized, here are some additional cards to consider.

• Chase Freedom Unlimited®: Good rewards rate on all purchases, plus some bonus categories.
• Blue Cash Preferred® Card from American Express: Excellent for families and anyone who likes to cook at home.
• Discover it® Cash Back: Get unlimited cash back on all purchases, with a high rate on rotating categories.