Wells Fargo Active Cash
No annual fee · 2% on everything else · 3.0% foreign transaction fee
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Everything else | 2% | uncapped |
Signup bonus: $200 back after $500 in 3 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero.
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?
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.
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.