Wells Fargo · Visa
Wells Fargo Active Cash® Card
✓ VerifiedWelcome bonus
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months from account opening. Also includes 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers, then a variable APR of 18.49%, 24.49% or 28.49%.
Our conservative value estimate: ~$200
- Annual fee
- $0
- Rewards
- Cash back
- Earn rates
- 2% All purchases (unlimited flat rate)
- Foreign transaction fee
- 3%
- Purchase APR
- 18.49%–28.49% variable
- Statement credits
- $600 Cell phone protection (claim limit) — Up to $600 protection against covered damage or theft (max 2 claims per 12 months), with a $25 deductible per claim. Requires paying your monthly cell phone bill with the card.
- Typical credit
- Good (~690–719), Excellent (~720+)
- Issuer rules
- Generally not eligible if you have opened a Wells Fargo credit card in the past 6 months
- You may not qualify for the bonus if you have received a new-cardmember bonus on a Wells Fargo credit card in the prior 15 months
View on Wells Fargo ↗Direct issuer link. No affiliate relationship yet.
Sources
Every value above is verified against these sources. Last checked 2026-07-23. Anything the issuer does not publish is left out rather than estimated, so a missing row means the issuer does not state it.
- Wells Fargo – Active Cash Card product page — annualFee · accessed 2026-07-23
- Wells Fargo – Active Cash Card product page — foreignTransactionFeePct · accessed 2026-07-23
- Wells Fargo – Active Cash Card product page — apr · accessed 2026-07-23
- Wells Fargo – Active Cash Card product page — signupBonus · accessed 2026-07-23
- Wells Fargo – Active Cash Card product page — baseEarnRate · accessed 2026-07-23
- Wells Fargo – Active Cash Card cell phone protection — credits · accessed 2026-07-23
- CNBC Select – Wells Fargo Active Cash review ($200 bonus, $0 fee, 2%) — signupBonus · accessed 2026-07-23
- NerdWallet – Wells Fargo Active Cash 2% flat rate — baseEarnRate · accessed 2026-07-23
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