Wells Fargo Active Cash Card review

Active Cash is the easiest card on this list to recommend for everyday spending. Wells Fargo pays unlimited 2% cash rewards on purchases, with no activation, zero categories to track and rewards that do not expire while the account is open. New cardholders get a $100 cash rewards bonus after spending $500 in purchases in the first 3 months, and a 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers, after which the variable APR is 18.74%, 24.74% or 28.74%. The card has a $0 annual fee. Extras are better than most no-fee cards: cell phone protection of up to $600 against damage or theft with a $25 deductible, an auto rental collision damage waiver, roadside dispatch and Visa Signature concierge. You can redeem rewards for purchases from as little as $1, use them at PayPal checkout or take them as gift cards. The main drawback is a 3% fee on each foreign transaction, so pair it with a no foreign fee card for trips abroad.

Who it is for

People who want one card that earns 2% on everything with no activation or caps.

Price

$0 annual fee.

$0 annual fee
Quoted from the vendor pricing page on November 8, 2026.

Key features

• Unlimited 2% cash rewards on purchases
• $100 cash rewards bonus after $500 in purchases in the first 3 months
• 0% intro APR for 12 months on purchases and qualifying balance transfers
• Cell phone protection up to $600 against damage or theft, with a $25 deductible
• Rewards do not expire while the account is open

Strengths and weaknesses

• Strength: Zero categories to track and no activation needed
• Strength: Intro APR covers purchases as well as balance transfers
• Strength: Cell phone protection is built in
• Weakness: 3% fee on each foreign transaction
• Weakness: The welcome bonus is smaller than several rivals
• Weakness: Variable APR after the intro period can reach 28.74%

Key facts

• Annual fee: $0
• Cash back: Unlimited 2% cash rewards on purchases
• Welcome bonus: $100 after $500 in purchases in 3 months
• Intro APR: 0% for 12 months on purchases and qualifying balance transfers
• Foreign transaction fee: 3%

Where it ranks

Wells Fargo Active Cash Card is No. 1 in our Best Cash Back Credit Cards verdict.