Wells Fargo Active Cash - Find Me a Card

Wells Fargo Active Cash

A great 2% cash back card, with a $200 signup bonus and no annual fee.

Your total savings: $2,180 over the next 5 years

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Credit Score Required:
Average (670-739)
Wells Fargo

Rewards & Perks

Reward Highlights

  • $200 cash bonus after you spend $1,000 in the first 3 months.
  • 2% cash back on all purchases.

Other Rewards & Perks

  • Visa Signature Luxury Hotel & Resort Collection: Provides the following benefits at 900 luxury hotels around the world: Best available rate guarantee, room upgrades (when available), complimentary wi-fi, daily breakfast, $25 food and beverage credit (per stay), VIP guest status, and 3pm checkout upon request (when available).
  • Personal concierge service (via Visa Signature Concierge): Visa Signature concierge service gives you access to concierges who can help with travel planning, restaurant recommendations, and event reservations.
  • Cell phone protection: Up to $600 protection on your cell phone against covered damage or theft (but not loss) when you pay your monthly cellular telephone bill with your credit card. (For some issuers that offer this benefit, you'll need to pay a $25 deductible.)
  • Fraud protection: Your card transactions will be monitored for possible signs of fraudulent activity. (Depending on the credit card and issuer, this may also include a $0 liability guarantee for fraudulent transactions.)
  • Account alerts: Stay on top of your balances and due dates by setting customer email or text alerts.

Special Signup (Promo) Rewards & Perks

  • $200 cash bonus after you spend $1,000 in the first 3 months.
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Rates & Fees

Summary of Rates & Fees

  • No annual fee.
  • APR on purchases: 14.99-24.99%. (0% for first 15 months.)
  • APR on balance transfers: 14.99-24.99%. (0% for first 15 months on balance transfers posted to your account within the first 120 days.)
  • Foreign transaction fee: 3%.

Annual Fee: $0

Interest Rate (“Purchase APR”): 14.99-24.99% (0% for the first 15 months)

BT Fee: 5% of BT (3% for the first 4 months)

BT APR: 14.99-24.99% (0% for the first 15 months)

Cash Advance Fee: 5%

Cash Advance APR: 25.99%

Foreign Transaction Fee: 3%

Overdraft Notes

  • Overdraft protection advance fee:
    • $12.50 if the total of overdraft protection advances for the day is $50 or less.
    • $20 if the total of overdraft protection advances for the day is greater than $50.
  • Overdraft protection advance APR:
    • 25.99% (This APR will vary with the market based on the U.S. Prime Rate.)

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Other Info

Date Introduced: 2021-07-01

Date Last Updated: 2021-07-01

Notes & Fine Print

You may not be eligible for introductory annual percentage rates, fees, and/or bonus rewards offers if you opened a Wells Fargo Credit Card within the last 15 months from the date of this application and you received introductory APR(s), fees, and/or bonus rewards offers - even if that account is closed and has a $0 balance.

Go to wellsfargo.com to learn more

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