Unlimited 2% cash rewards — Cardholders receive an unlimited 2% cash back on all purchases, with no categories that need to be activated or limits on earnings to monitor.
There are alternative cards that provide greater cash back rates on specific categories, and while these can be beneficial, they often require more management. Additionally, they typically have caps and restrictions on the purchases they apply to. The Wells Fargo Active Cash® Card is ideal for anyone seeking a straightforward card that still delivers high rewards: you’ll earn top-tier flat rewards immediately on your purchases — with no limitations or complicated conditions.
$200 cash rewards welcome offer — New holders of the Wells Fargo Active Cash® Card can receive a $200 cash rewards welcome offer by spending just $500 on purchases within the first 3 months. This is not only a very attractive sign-up bonus for a card with no annual fee, but it’s also one of the features that distinguish this Wells Fargo credit card from other 2% cash back cards. We have not encountered any other credit card offering 2% unlimited cash rewards that includes a sign-up bonus.
12 months from account opening 0% APR intro offer — New cardholders can take advantage of a 0% introductory APR on both new purchases and eligible balance transfers for an entire 12 months from account opening. (After this time frame, a standard rate of 18.99%, 23.99%, or 28.99% Variable APR applies.) This is an excellent offer, even in comparison to cards specifically marketed for a 0% introductory APR. It means that this card will enable you to bypass interest on purchases and balance transfers for an entire year!
No annual fee — Often, high rewards percentages come with high annual fees. Not with the Wells Fargo Active Cash® Card, which features a $0 annual fee.
Cell phone protection — Given the cost of a standard cell phone often in the hundreds of dollars, having some form of insurance is wise. With this Wells Fargo card, you can obtain built-in cell phone protection of up to $600 simply by using your card to pay your cell phone bill. Coverage has a $25 deductible.
