Wells Fargo Active Cash

Annual fee

$0 (None)

Rewards

Unlimited 2% cash rewards on purchases ($0.02 per $1 of net purchases per official terms). No categories to track or quarterly activation. Terms define net purchases and list non-earning transactions (cash advances/equivalents, balance transfers, fees/interest, disputes/illegal transactions, certain gambling transactions, etc.).

Welcome offer

$100 cash rewards bonus after at least $500 in net purchases post within 3 months from account opening.

APR / fee notes

0% introductory APR for 12 months from account opening on purchases and balance transfers. Balance-transfer request must be made within 120 days of account opening to qualify for the introductory APR; transfers subject to eligibility. After intro: purchase and BT APR 18.74%, 24.74%, or 28.74% variable based on creditworthiness. Cash-advance/overdraft-protection-advance APR: 29.74% variable. Balance-transfer fee: introductory either $5 or 3% for 120 days, whichever greater; after that up to 5% with $5 minimum. Cash-advance fee: either $10 or 5%, whichever greater. Foreign transaction fee: 3%. Late-payment fee: up to $40. Official terms state interest-rate/fee information is correct as of September 2026 and may have changed after that date.

Perks, as listed by Wells Fargo

• Cellular Telephone Protection

  up to $600 per approved claim

  less $25 deductible, maximum two paid claims per 12-month period, when paying the monthly cell-phone bill with an eligible Wells Fargo consumer credit card; supplemental coverage with exclusions (e.g., lost phones)

Wells Fargo also lists secondary auto-rental CDW, travel/emergency assistance, roadside dispatch, and Visa Signature benefits without a fixed dollar statement credit.

Verified 2026-10-04

What CardMath examines

The math and rules

• Single published rate on purchases
• Usual exclusions in the terms
• Using a flat-rate card as a baseline when reading category cards