Best rewards rate for a cash-back card

The Wells Fargo Active Cash card stirs up the cash-back card market with the ability to earn 2% cash rewards on purchases, with no categories or limits to keep up with. (Partner offer)

At a glance

  • 2% Earn unlimited 2% cash rewards on purchases
$200 cash rewards
Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
None
Refer to Important Credit Terms
14.99%-24.99% Variable APR
0% intro APR for 15 months from account opening on qualifying balance transfers
14.99%-24.99% Variable APR
0% intro APR for 15 months from account opening
$0
  • Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases

At a glance

  • 2% Earn unlimited 2% cash rewards on purchases
$200 cash rewards
Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
None
Refer to Important Credit Terms
14.99%-24.99% Variable APR
0% intro APR for 15 months from account opening on qualifying balance transfers
14.99%-24.99% Variable APR
0% intro APR for 15 months from account opening
$0
  • Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 14.99% to 24.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
  • $0 annual fee
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Active Cash℠ Card
  • Select "Apply Now" to learn more about the product features, terms and conditions
Apply now for Wells Fargo Active Cash℠ Card at Wells Fargo's secure site Terms & restrictions apply. See rates & fees

Our Take

TPG Editor's Rating

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3/5

Overview

No annual fee, no problem. The Wells Fargo Active Cash card delivers simplicity to cardholders who want to pay for their purchases without worrying if you’re maximizing every last dollar. With a 2% cash rewards rate, you’ll rest easy knowing that you’re earning bonus points whether you’re online shopping or paying your hairdresser. Plus, enjoy other benefits like cell phone protection and access to the Visa Signature Concierge luxury hotels.

Pros

  • There’s no annual fee, meaning that you can keep your costs low while focusing on earning rewards.
  • Earn 2% cash rewards on purchases — no bonus categories or restrictions to be wary of
  • Get up to $600 in cell phone protection (with a $25 deductible) against covered damage or theft when you pay your monthly cell phone bill with this card

Cons

  • Don’t take this card abroad with you, as this card incurs a 3% foreign transaction fee.
  • Other cash-back cards can offer better sign-up bonuses.

Who is this card good for?

If you’re interested in opening a cash-back card but are confused by other options that discuss “rotating categories” or “spending limits,” make your life easier with the Wells Fargo Active Cash card. Earn 2% cash rewards on purchases and turn your rewards into cash-back that can be used towards everyday expenses or treat yourself to a gift — from you, to you.

Earning Rewards

You’ll earn 2% cash rewards on purchases. Your rewards never expire so long as you keep your account active.

Frequently asked questions