Wells Fargo Active Cash
No annual fee · 2% on everything else · 3.0% foreign transaction fee
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Everything else | 2% | uncapped |
What we have watched change
Differences between one check of the issuer's page and the next — not a reconstruction of the card's history. We only know what we were watching when it moved.
- Welcome offer Wells Fargo Active Cash welcome bonus fell from 20,000 to 10,000. 2026-09-14
Signup bonus: $100 back after $500 in 3 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero. $100 cash rewards bonus after $500 in 3 months (was $200); encoded as 10,000 CASH points at 1 cent each Bonus figure confirmed on the issuer's page 2026-09-14.
Non-cash perks
- Cellular telephone protection (up to $600, subject to $25 deductible) when you pay your monthly phone bill with the card
- Visa Signature Concierge and Luxury Hotel Collection access
- 0% intro APR on purchases and qualifying balance transfers for 12 months from account opening
Does the fee earn out? · how we got this
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. One thing on this card rules out a kind of spender:
- Anyone who spends abroad. Every purchase in a foreign currency carries a 3.0% foreign transaction fee. On a card earning 2.0¢ per dollar at the base rate, that fee costs more than the rewards on the same purchase.
Compared head-to-head
- Wells Fargo Active Cash vs Blue Cash Everyday Card from American Express — which earns more?
- Wells Fargo Active Cash vs Capital One Quicksilver — which earns more?
- Wells Fargo Active Cash vs Capital One Savor — which earns more?
- Wells Fargo Active Cash vs Chase Ink Business Cash — which earns more?
- Wells Fargo Active Cash vs Chase Freedom Flex — which earns more?
- Wells Fargo Active Cash vs Chase Freedom Unlimited — which earns more?
- Wells Fargo Active Cash vs Citi Double Cash® Card — which earns more?
- Wells Fargo Active Cash vs Discover it Cash Back — which earns more?
- Wells Fargo Active Cash vs Citi Double Cash® Card vs Capital One Quicksilver — all three side by side
More from Wells Fargo
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-09-02 against issuer terms · sources: creditcards.wellsfargo.com. Spot an error? Tell us.