Wells Fargo Active Cash – How to apply

By Raquel Oliveira • 04/07/2025

Wells Fargo Active Cash Card offers an effortless way to earn unlimited cashback on every purchase.

The Wells Fargo Active Cash Card is a simple yet highly rewarding credit card designed for individuals seeking easy, consistent cash back. Offering unlimited 2% cash back on all purchases, it eliminates the hassle of rotating categories or enrollment deadlines.

With no annual fee and a generous $200 sign-up bonus after meeting the initial spending requirement, the card delivers real value right from the start. It is a strong option for users who appreciate straightforward rewards without complicated conditions.

Additionally, the card provides a 0% introductory APR for the first 12 months on both purchases and balance transfers. This feature makes it a great choice for people planning significant purchases or aiming to manage and consolidate existing debt more affordably.

Combining robust security measures, mobile banking integration, and ease of use, the Wells Fargo Active Cash Card offers maximum flexibility. It stands out as an excellent everyday companion for users who want a simple.

How Does the Wells Fargo Active Cash Card Work?

The Wells Fargo Active Cash® Card operates on a simple cashback system that rewards you with unlimited 2% cashback on every purchase, no matter where or how you spend.

This makes it easy to earn consistent rewards without having to plan your spending around bonus categories or quarterly activations.

New cardholders can also enjoy a generous sign-up bonus after meeting the minimum spending requirement within the first three months.

The rewards you earn can be redeemed for statement credits, cash deposits, travel, gift cards, or purchases made through Wells Fargo’s rewards portal, giving you the flexibility to use your cashback however you like.

Main Benefits of the Wells Fargo Active Cash Card

• Unlimited 2% cash rewards – Earn 2% cash back on every purchase, no categories or restrictions.
• $200 welcome bonus – Spend $500 in the first 3 months and get a $200 cash reward.
• 0% intro APR for 12 months – Enjoy interest-free purchases and balance transfers for a year.
• No annual fee – Keep more of your rewards without extra costs.
• Flexible redemption options – Redeem cash back as a statement credit, direct deposit, or gift cards.
• Visa Signature benefits – Get access to perks like travel protections and concierge services.

Why Choose the Wells Fargo Active Cash?

• Perfect for everyday purchases – Earn a steady 2% cash back without worrying about spending categories.
• Ideal for balance transfers – Use the 0% APR intro period to consolidate high-interest debt.
• Hassle-free rewards – No activation or quarterly categories to track.
• Flexible redemption options – Cash back can be used for anything from travel to paying off your balance.
• Visa Signature benefits – Enjoy perks like travel protections and purchase security.

If you want simple, effective cash back rewards with no extra effort, the Wells Fargo Active Cash card is a great choice.

Cons for the Wells Fargo Active Cash Card

While the Wells Fargo Active Cash® Card is a strong contender for cashback rewards, it has some limitations.

The card doesn’t offer bonus categories or higher rewards rates for specific spending areas, which might make it less appealing for those who spend heavily in certain categories like travel or dining.

Additionally, the card charges foreign transaction fees, making it less ideal for international travelers. For those seeking premium perks or travel benefits, other cards may provide more value.

APR and Fees of the Wells Fargo Active Cash

• 0% intro APR for 12 months – On purchases and qualifying balance transfers.
• Variable APR after the intro period – Ranges from 19.49% to 29.49%, based on creditworthiness.
• No annual fee – Keep more of your cash back rewards.
• Foreign transaction fee – 3% charge on purchases made outside the U.S.
• Balance transfer fee – 3% fee for transfers in the first 120 days, then increases to 5%.
• Late payment fee – Up to $40 if you miss a payment.
• Cash advance fee – 5% of the amount withdrawn or a minimum of $10.

These fees can add up, so it’s best to pay off balances in full each month to avoid unnecessary interest.

How to Apply for the Wells Fargo Active Cash® Card

Applying for the Wells Fargo Active Cash® Card is quick and straightforward. Here’s how:

1. Visit the Website: Go to Wells Fargo’s official website and locate the Active Cash® Card application page. Click “Apply Now” to start the process.
2. Provide Your Information: Enter your personal and financial details, including your name, address, Social Security number, and income. This helps Wells Fargo assess your eligibility.
3. Submit Your Application: Double-check your information for accuracy and submit your application. Most applicants receive a decision quickly.
4. Activate Your Card: Once approved, your card will be mailed to you within 7–10 business days. Activate it online or through Wells Fargo’s app and start enjoying unlimited cashback on every purchase!

The Wells Fargo Active Cash® Card is an excellent choice for individuals seeking a simple, no-fuss cashback card. With its unlimited 2% cashback and no annual fee, it’s a valuable tool for maximizing everyday spending.

Conclusion

The Wells Fargo Active Cash Card offers a perfect blend of simplicity, rewards, and financial flexibility for everyday use. With unlimited 2% cashback on all purchases and no annual fee, it provides consistent value without complicating your spending strategy.

Its straightforward features make it ideal for users who want to earn rewards effortlessly, whether they’re covering daily expenses, making large purchases, or consolidating debt. The 0% intro APR and flexible redemption options further enhance its appeal for practical.

However, if you travel internationally often or seek elevated perks in categories like dining and entertainment, you may find the foreign transaction fees and lack of bonus categories a limitation to consider carefully.

Overall, for individuals prioritizing ease, reliability, and steady cash rewards, the Wells Fargo Active Cash® Card is a powerful tool to maximize purchasing power and strengthen financial stability with minimal effort.