Cash Back Credit Card - Active Cash Visa® Card Wells Fargo

Active Cash^® Credit Card

Earn a $200 cash rewards bonus

when you spend $500 in purchases in the first 3 months¹ Plus, enjoy unlimited 2% cash rewards on purchases.²

$0 annual fee

Important credit terms

Apply now

Best All-Purpose Cash Back Credit Card

5X winner awarded by NerdWallet (2022-2026)

Best All-Purpose Cash Back Credit Card

5X winner awarded by NerdWallet (2022-2026)

Offers may differ from time to time and depend on the marketing channel, such as phone, email, online, direct mail, or in branch. You must select Apply now to take advantage of this offer.

Cash rewards that are easy to earn and use

2% cash rewards

Earn on purchases

No activation needed

Zero categories to track

Rewards don't expire

As long as your account is open

Plus, low intro APR for 12 months

0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. After that your variable APR will be 18.49%, 24.49% or 28.49%. Balance transfers made within 120 days qualify for the intro rate and fee.

How Active Cash^® stacks up to the competition

Wells Fargo

Active Cash®

Citi

Double Cash®

Discover

It® Cash Back

Capital One

Quicksilver®

Unlimited 2% earn on purchases²

Cash rewards don't expire while account is open

No categories to track

Redeem for purchases as little as $1³

Welcome bonus

Intro APR on purchases

Intro APR on balance transfers

Important credit terms

Apply now

1 of 3

Chart reflects a comparison of card benefits and does not reflect promotional offers that may be presented time to time.

Third party trademarks are the property of their respective owners. References to other third party trademarks are not intended to imply endorsement or affiliation with such other trademark owners. Benefits comparison based on the products listed and the Wells Fargo Active Cash^® Card as of 04/28/2026. Competitor data is subject to change without notice.

How will you redeem your cash rewards?

Discover all the ways you can be rewarded, including these and more with Wells Fargo Rewards®.

Pay with Rewards

Check out with PayPal, and use your cash rewards for all or part of your eligible purchases.⁴

Redeem for Purchases

Redeem your cash rewards toward the cost of a past, eligible purchase.³

Gift Cards

Redeem cash rewards for gift cards from over 250 merchants, including e-Gift cards as low as $10.

Redeem to Account

Redeem cash rewards as a credit to your account, including eligible Wells Fargo credit card or checking accounts.⁵

For additional information on redeeming your credit card cash rewards, visit wellsfargo.com/rewards

Active Cash credit card benefits and features

Added Protections

Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible⁶.

Pay for rental cars using an eligible card and get reimbursed for covered damage or theft⁷.

Available for covered Wells Fargo cardholders. Count on emergency assistance while traveling anywhere in the world. To learn more, call 1-800-992-6029. If you are outside the U.S., you can call collect: 1-804-673-1675⁸

Available whenever you’re in need of a tow – for eligible Wells Fargo cardholders 24/7 with no membership required. To learn more call 1-800-847-2869.⁹

Built-in protection features ensure that you won’t be held responsible for unauthorized transactions, as long as they’re reported promptly.¹⁰

Built-in Tools

Visa credit cardholders can get an emergency cash advance disbursed or a card replaced within one to three business days after issuer approval.
Any cash advance fees and interest charges that are associated with your credit card account would apply¹¹.

Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It’s an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.¹²

With Credit Close-Up® you own the skills to help understand and track your FICO® Score, raise it, or maintain it. Enroll to receive monthly FICO® Score updates and personalized credit insights. It’s complimentary to Wells Fargo Online® customers and using it won’t negatively affect your score.¹³ For additional information, visit wellsfargo.com/ficoscore.

Active Cash^® Card Awards

NerdWallet

2022, 2023, 2024, 2025, & 2026

Best All-Purpose Cash Back Credit Card – 5X winner

Fool Money

2026 Best Overall Credit Card

FinanceBuzz

2026 Best Overall Cash Back Credit Card

WalletHub

2026 Best No Annual Fee Card

Exceptional Visa Signature^® privileges

Enjoy these additional card benefits with your Wells Fargo Active Cash^® card

Woman shopping with bags in an autumn setting

Visa Signature^® Concierge Services

Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature^® Concierge.¹⁴

Intercontinental Phuket Resort pool and terrace

Intercontinental Phuket Resort, Thailand

Visa Signature^® Luxury Hotel Collection

Enjoy a premium collection of benefits at a selection of the world’s most intriguing and prestigious properties. Learn more about the Visa Signature Hotel Collection at VisaSignatureHotels.com ¹⁵

Active Cash® Credit Card FAQs

If you’re a primary or secondary Visa^® cardholder, you may be eligible to switch your credit card to better fit your needs. No need to submit another application, undergo a credit check, or change your account number. Note that if you switch products, you will not receive a new rewards bonus offer or new introductory annual percentage rates. Follow the steps below to switch:

- Sign on to your account
- Select your current credit card
- Desktop, laptop and tablet: Go to your card details page and select Switch My Credit Card in the right hand menu.
- Mobile browser: Go to your card details page; in the top navigation, swipe left and select More, and then select Switch My Credit Card.
- Wells Fargo Mobile app: Select your card and then go to the Manage Account tab and tap Switch My Credit Card.

You’ll receive a new card in the mail and any rewards balance will transfer to the new card.

You can request a balance transfer when you submit a credit card application, which will be subject to approval. If you already have the Wells Fargo Active Cash Card you can request a balance transfer by signing on to Wells Fargo Online. Then select Request Balance Transfer under Account Management to view available offers. You may also call 1-800-642-4720. To learn more, please visit Wells Fargo Balance Transfers.

Yes, typically there is a balance transfer fee associated with the Wells Fargo Active Cash Card. Please refer to the Important Credit Terms for the most current rate and fee information.

It can take up to 14 days to post a balance transfer to your credit card account.

There is a 3% fee for each foreign transaction amount converted to U.S. dollars. Please refer to the Important Credit Terms for the most current rate and fee information.

The Active Cash Card has been awarded accolades by NerdWallet, Fool Money, a Motley Fool Service, FinanceBuzz, and WalletHub including, Best All-Purpose Cash Back Credit Card, Best Overall Credit Card, Best Overall Cash Back Credit Card, and Best No Annual Fee Card.

Important credit terms Apply now

Wells Fargo Active Cash^® Card

Earn a $200 cash rewards bonus when you spend $500 in purchases in the first 3 months.¹

Important Credit Terms Apply now

Active Cash^® Card

Important Credit Terms

Apply now

Other things you need to know

Offers may differ from time to time and depend on the marketing channel, such as phone, email, online, direct mail, or in branch. You must select Apply now to take advantage of this offer.

Refer to the Wells Fargo Active Cash® Credit Card Account Agreement and the Wells Fargo Active Cash® Card Guide to Benefits to learn more.

This offer is not a guarantee of credit. Credit card is subject to credit qualification.

You may not qualify for an additional Wells Fargo-branded consumer credit card if you have opened a Wells Fargo-branded consumer credit card in the last 4 months.

You may not be eligible for introductory annual percentage rates, fees and/or rewards bonus offers if you have the card product you are applying for or opened one within the last 48 months from the date of the application – even if that account is closed and has a $0 balance.

1. To qualify for the $200 cash rewards bonus, a total of at least $500 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. The bonus cash rewards will show as redeemable within 60 days after they are earned. “Purchases” that do not apply to this offer and do not earn cash rewards include: cash advances and cash equivalents of any kind (such as ATM transactions, cash advances (including overdraft protection advance), traveler’s checks, money orders, pre-paid gift cards, person-to-person money transfers, digital currencies (to the extent accepted), and wire transfers); balance transfers including the use of SUPERCHECKS; disputes, illegal actions, and violations (such as disputed or illegal purchases or purchases that violate the terms of your agreements); fees and interest of any kind (such as late fees, returned payment fees, monthly or annual fees); gambling transactions of any kind (such as bets or wagers transmitted over the internet, casino gaming chips, lottery tickets or off-track wagers). Cash advances and balance transfers may affect the credit line available for this offer. Refer to the Summary of the Wells Fargo Rewards® Program Terms and Conditions and the Wells Fargo Active Cash Visa® Card Addendum for more information about the rewards program. ←back to content2. 2% cash rewards are earned for every $1 spent in net purchases (purchases minus returns/credits) on the credit card account. “Purchases” that do not earn cash rewards include: cash advances and cash equivalents of any kind (such as ATM transactions, cash advances (including overdraft protection advances), traveler’s checks, money orders, pre-paid gift cards, person-to-person money transfers, digital currencies (to the extent accepted), and wire transfers), balance transfers, SUPERCHECKS; disputes, illegal actions and violations; off-track wagers, lottery tickets, or bets or wagers transmitted over the internet; fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees. Refer to the Summary of the Wells Fargo Rewards® Program Terms and Conditions and the Wells Fargo Active Cash Visa® Card Addendum for details. ←back to content3. Redeem for Purchases allows you to redeem your Wells Fargo Rewards online for a statement credit to your eligible Wells Fargo credit card account. To be eligible for Redeem for Purchases, transactions must be $1 or more and you must have enough rewards to redeem for the entire amount of the transaction. Statement credits are applied to your outstanding balance and you are still required to make any payment due on your account. Rewards redeemed for purchases will be deducted from your rewards account balance immediately and all rewards redemptions are final. Statement credits will post to your account in 5 – 7 business days. Redeem for Purchases is offered subject to the Wells Fargo Rewards Program Terms and Conditions and the Addendum applicable to your card. For additional details visit Wells Fargo: Rewards Terms, and select your card from the drop down. Select “+ Redeeming Rewards” and navigate to the Redeem for Purchases section. ←back to content4. Pay with Rewards (“PWR”) feature allows you to redeem your available Wells Fargo Rewards^® (”rewards”) online through participating PWR merchants toward qualifying purchase transactions with your eligible Wells Fargo credit card (“card”) account. To be eligible for PWR feature, cardholders must first verify the PWR sharing preference setting is enabled. This preference can be set at any time by going to Pay with Rewards Preferences. When your PWR sharing preference is enabled, all cardholders who use and have access to your card, including authorized users on your card, will be able to view and redeem the rewards associated with that card through the PWR feature when the card is provided by you or your authorized users to a PWR merchant. Rewards are not earned on any portion of a transaction redeemed through the PWR feature. Transactions qualifying as eligible for PWR redemption may change at any time and without notice. Rewards redeemed through PWR will be deducted from your rewards account balance immediately and all PWR redemptions are subject to the Return/Cancelation Policy of the merchant. Refer to the Summary of the Wells Fargo Rewards® Program Terms and Conditions and the Wells Fargo Active Cash Visa® Card Addendum, the participating PWR merchant User Agreement, and the Pay with Rewards Feature Terms and Conditions for more details. ←back to content5. Rewards redeemed as a credit to a qualified Wells Fargo credit product are applied towards your principal balance. You must still make regularly required payments. ←back to content6. Cellular Telephone Protection can reimburse the eligible Wells Fargo Consumer Credit Card cardholder for damage to, theft of, or involuntary and accidental parting of a cell phone. Reimbursement is limited to the cost to repair or replace your original cell phone, less a $25 deductible with an allowable maximum of two paid claims per 12-month period. Each approved claim has a benefit limit of $600. This benefit does not cover cell phones that are lost (i.e., mysteriously disappear). Electronic failure or issues related to the software of the device are not covered. This protection is only available when cell phone bills are paid with an eligible Wells Fargo Consumer Credit Card. Coverage begins the first day of the calendar month following the payment of your first cell phone billing using your eligible Wells Fargo Consumer Credit Card and remains in effect when you continue to charge your total monthly cell phone bill to your Wells Fargo Consumer Credit Card. Eligible cell phones are the lines listed on your most recent cellular wireless service provider’s monthly billing statement for the billing cycle prior to when the incident occurred. This is supplemental coverage not otherwise covered by another insurance policy, may be applied after all other insurance is exhausted and may not be equivalent to or better than other applicable coverage. For complete coverage benefits and exclusions regarding this protection, refer to the Guide to Benefits.Note:Call your cellular provider (or sign on to their website) and request to set up automatic payments. Setting up automatic payments is not required to qualify for Cellular Telephone Protection; however, you need to pay your monthly cell phone bill with your eligible Wells Fargo Consumer Credit Card to get up to $600 protection. ←back to content7. Coverage provided by this benefit is secondary. In order for coverage to apply, you must pay for all of the cost to rent the car with your eligible Wells Fargo Active Cash^® Credit Card and/or rewards program associated with your covered account. Cardholder must decline coverage from the rental company to be eligible for this benefit. Certain vehicles are not covered. A maximum benefit amount and certain restrictions and limitations apply. Please review the Wells Fargo Active Cash® Card Guide to Benefits for details. ←back to content8. Travel and Emergency Assistance Services provide assistance and referral only. Cardholder is responsible for the cost of any actual medical, legal, transportation, cash advance, or other services or goods provided. Certain restrictions and limitations apply. Please review the Wells Fargo Active Cash® Card Guide to Benefits for details. ←back to content9. Current fee for a standard service call will be confirmed at the time service is requested. Rates apply to vehicles up to 10,000 pounds gross vehicle weight only. Cardholders are required to pay the service provider for mileage over five miles. Emergency roadside assistance and towing may not be available in all areas. The roadside assistance and towing service provider is solely responsible for any liability associated with use of roadside dispatch services. Certain restrictions and limitations apply. Please review the Wells Fargo Active Cash® Card Guide to Benefits for details. ←back to content10. You won’t be held responsible for promptly reported unauthorized transactions, subject to certain conditions. For more information, please review the applicable Consumer Credit Card Customer Agreement and Disclosure Statement. ←back to content11. Visa credit cardholders can get an emergency cash advance disbursed or a card replaced within one to three business days, in some cases, within 24 hours, after issuer approval. Any cash advance fees and interest charges that are associated with your credit card account will apply. If you need to replace your card or want help with receiving emergency cash, contact the Visa Global Customer Care Services at 1-800-708-8217 or when calling from outside the U.S. or Canada, call the Visa direct line at 1-303-967-1096 24 hours a day, seven days a week. Please review the Wells Fargo Active Cash® Card Guide to Benefits for details. ←back to content12. You must activate a deal and use your eligible card to make purchases directly with the merchant providing the deal by the expiration date. Purchases must satisfy all the requirements in the My Wells Fargo Deals Terms and Conditions and the Deal Terms in order to qualify for the deal. Cash back will not be earned on any portion of a purchase transaction that is paid for with store credit, gift certificates, or other payment types. If you pay using a digital wallet or through a third-party provider, or if the merchant uses a mobile or wireless card reader to process your payment, you may not have fulfilled the requirements to redeem the deal and receive the cash back. Cash-back transactions will appear in the form of an account credit on the eligible card account within 60 days of the qualifying transaction posting to your account. Account credits may be reversed if a qualifying purchase is returned or canceled. Refer to the My Wells Fargo Deals Terms and Conditions for details applicable to all eligible cards. ←back to content13. You must be a Wells Fargo account holder of an eligible Wells Fargo consumer account with a FICO® Score available, and enrolled in Wells Fargo Online®. Eligible Wells Fargo consumer accounts include deposit, loan, and credit accounts, but other consumer accounts may also be eligible. Contact Wells Fargo for details. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply.Please note that the score provided under this service is for educational purposes and may not be the score used by Wells Fargo to make credit decisions. Wells Fargo looks at many factors to determine your credit options; therefore, a specific FICO® Score or Wells Fargo credit rating does not guarantee a specific loan rate, approval of a loan, or an upgrade on a credit card.Wells Fargo and Fair Isaac are not credit repair organizations as defined under federal and state law, including the Credit Repair Organizations Act. Wells Fargo and Fair Isaac don’t provide credit repair services or advice or assistance with rebuilding or improving your credit record, credit history, or credit rating. ←back to content14. Wells Fargo Active Cash® cardholders are responsible for the payment of any and all charges associated with any goods, services, reservations, or bookings purchased or arranged by the Visa Signature® Concierge on cardholders’ behalf. Any such purchases or arrangements are solely between the cardholder and the respective merchant, and Visa is not a party to the transaction. All goods and services are subject to availability. Refer to the Visa Concierge Terms of Service. ←back to content15. Some Restrictions and Limitations may apply. In cases where one of the benefits is not available at a hotel, the hotel may provide a substitute benefit of equal value. Some hotels may provide one of the benefits as a standard feature of the room being booked. In those cases, the hotel may or may not provide a substitute benefit of equal value. Resort fees that cover any of the benefits are not reimbursable. Reservations must be booked either on a Visa Luxury Hotel Collection website or through Visa Concierge for benefits to apply. Please consult the terms and conditions for each property. Please review the Guide to Benefits for details. ←back to content

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

PayPal and the PayPal logo are trademarks of PayPal, Inc.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.

LRC-0526

Cash rewards that are easy to earn and use

How Active Cash® stacks up to the competition

Active Cash credit card benefits and features

Active Cash® Card Awards

Exceptional Visa Signature® privileges

Active Cash® Credit Card FAQs

Other things you need to know

How Active Cash^® stacks up to the competition

Active Cash^® Card Awards

Exceptional Visa Signature^® privileges