Wells Fargo Active Cash Card Review

Aedam Jo Written by
Wells-Fargo-Active-Cash-Card
8.72/10 MyCreditCardLab Score
Wells Fargo Active Cash® Card Rating & Score with Credit Cards System

Objective testing of credit cards involves conducting systematic evaluations based on predefined criteria to assess their features, benefits, fees, and overall value proposition.

For more information see our credit card score explanation here.
9.4

Intro APR

Intro APR credit cards offer a temporary period with low to no interest rates on purchases or balance transfers. They provide a financial break before regular rates apply.

For more information see our Intro APR score explanation here.
0% on Purchases and Balance Transfers for first 15 months
9.6

Regular APR

The APR is the ongoing interest rate for balances on credit cards. This is after any intro or promo periods end. It affects the long-term cost of borrowing.

For more information see our Regular APR score explanation here.
20.24%, 25.24%, or 29.99% Variable APR
10

Annual Fee

Annual fee credit cards require a yearly payment for membership. They offer enhanced rewards, benefits, and services in exchange for the fee. They cater to individuals seeking premium perks.

For more information see our Annual fee score explanation here.
$0
9

Welcome Bonus

Welcome bonus credit cards offer a one-time reward. This could be bonus points, cashback, or statement credits. You get the reward by meeting spending goals. You must do so within a set time after opening the account. The rewards entice new cardholders with immediate benefits.

For more information see our Welcome bonus score explanation here.
Earn a $200 cash rewards bonus after spending $500 in the first 3 months.
8.7

Rewards

Credit card rewards programs let cardholders earn points, miles, or cashback on purchases. They can redeem these rewards for things like travel, merchandise, gift cards, or credits. This gives extra value for using the card.

For more information see our rewards programs score explanation here.
Unlimited 2% cash rewards on purchases.
7.9

Benefits

Credit card benefits include perks and features from card issuers. They include travel insurance, purchase protection, and extended warranties. You also get airport lounge access and concierge services. They add value and usefulness for cardholders.

For more information see our benefits score explanation here.
Cell phone protection, Access Luxury Hotel
8.5

Recommended Credit Score

The recommended credit score is the minimum score recommended by the card issuer. It's for potential cardholders to qualify for a specific credit card. Meeting or beating this score boosts the chance of approval. It also gives access to the card's benefits and features.

For more information see our Recommended credit score Rating explanation here.
690 - 850 (Fair - Exceptional)
7.3

Foreign Transaction Fee

Card issuers impose foreign transaction fees. They apply to transactions in a foreign currency or with a foreign merchant. The fees are usually 1% to 3% of the transaction amount. They may apply to purchases, withdrawals, or transfers made in a foreign currency. This raises the cost of international transactions.

For more information see our foreign transaction fees score explanation here.
3%
9

Cash Advance Fee

Each time you use your credit card for a cash advance or ATM withdrawal, the bank applies a 'Cash Advance Fee'.

For example, a Cash Advance Fee of "3% (min $10)" means the fee will be 3% of the cash advance amount, with a minimum charge of $10.

For more information see our cash advance fee score explanation here.
5% (min $10)
7.8

Balance Transfer Fee

A balance transfer fee may apply when you transfer a balance from 'Credit Card A' to 'Credit Card B'.

This fee is imposed by the credit card that gets your transferred balance. In this case, that card is 'Credit Card B.' 'Credit Card A' never charges a fee.

For more information see our balance transfer fees score explanation here.
3% for 120 days from account opening
How we rating & score here.

Best for

Discover the best credit card for your needs. Are you a student, rewards enthusiast, or cash back lover? Find the perfect fit with our thorough reviews and comparisons.
  • Travelers
  • Cash Back Seekers
  • Everyday Spending
  • Online Shopping
  • Rewards Points Enthusiasts

Considerations

Consider key factors when choosing a credit card. These include interest rates, fees, rewards programs, and more. Make an informed decision to find the right card for your financial needs.
  • Interest Rates
  • Sign-Up Bonus
  • Credit Score Requirements
  • Security Features (Fraud Protection, EMV Chip, etc.)

Pros

Using a credit card has many pros. These include convenience, rewards, and building credit. They also include purchase protection and fraud security. You also get access to emergency funds and introductory offers. They help with budgeting and spending tracking. They also offer travel benefits and cash flow management. Plus, rental car insurance, extended warranties, and price protection. And online shopping security and opportunities for financial discipline.
  • $300 annual travel credit is incredibly flexible
  • Generous welcome bonus
  • Get 50% more value when you redeem points for travel through Chase
  • Points Transfer to valuable airline and hotel partners

Cons

Using a credit card has cons. These include potential overspending, high interest rates, and fees such as annual fees and late payment fees. It can also hurt your credit score if used irresponsibly. Using a credit card can tempt you to carry a balance and incur interest charges. It also risks identity theft and fraud. It can lead to debt and reliance on credit for financial needs. And, it has limits on rewards and benefits compared to other forms of payment.
  • Annual fee
  • No intro APR offer
  • Best travel earning rates are only for bookings through Chase
Why Trust MyCreditCardLab Review
  • 50+ Credit Cards Ranked
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At MyCreditCardLab, we value your trust above all else. We earn it with careful, fair analysis. We are fully transparent. We stick to strict editorial standards and independence. Your confidence in our content is our top priority.

See our full methodology

In This Review

Reviews Annual Fee Welcome Bonus Rewards Benefits Comparisons APR Credit Score needed FAQs
8.7

Review: Wells Fargo Active Cash® Card

Get in-depth credit card reviews covering features, benefits, fees, and rewards. Make informed decisions and find the perfect card for your financial goals.

For more information see our credit card score explanation here.

At MyCreditCardLab, we put each card to the score.

We score Wells Fargo Active Cash® Card 10 different factors that impact the benefits and rewards of the cards. scoring categories include:

Credit Cards Review Rating
Intro APR Very Good
Regular APR Excellent
Annual Fee Exceptional
Welcome Bonus Very Good
Rewards Very Good
Benefits Good
Recommended Credit Score Very Good
Foreign Transaction Fee Fair
Cash Advance Fee Very Good
Balance Transfer Fee Good

Who can apply for Wells Fargo Active Cash® Card?

We have categorized Wells Fargo Active Cash® Card 4 main useful user criteria. it's applied using the MyCreditCardcLab methodology.

How is Wells Fargo Active Cash® Card Different?

The Wells Fargo Active Cash® Card stands out for its unlimited 2% cash back on purchases. This rate is higher than many other cards. It also offers a $200 cash bonus after you spend $1,000 in the first 3 months.

Additionally, it offers a competitive 0% intro APR period for purchases. It also offers a 0% intro APR period for balance transfers.

10

Wells Fargo Active Cash® Card Annual Fee

Card type: Cash Back Credit Cards

Issuer Name: Wells Fargo

No annual fee

The Wells Fargo Active Cash® credit card has an annual fee of $0. It offers benefits and rewards tailored to your spending habits. Enjoy perks such as cash back, travel rewards, or points on every purchase. This makes it a valuable addition to your wallet.

9

Welcome Bonus

You can earn a $200 cash bonus. To get it, spend $500 on purchases in the first 3 months. This incentive encourages early card usage. It helps new cardholders with extra savings.

Upon meeting the spending threshold, you get a $200 cash bonus. It is credited to the account, adding value and improving the cardholder experience.

This offer is a lucrative welcome bonus. It lets cardholders unlimited 2% cash earn rewards from their everyday spending. Cardholders must review the terms.

9.4

APRs: Wells Fargo Active Cash® Card

Explore credit card APRs to understand borrowing costs. Learn how APRs vary for purchases, balance transfers, and cash advances. This is crucial for informed financial choices.

The table below shows the types of each APR brief description for the Wells Fargo Active Cash® Card.

Type of APR Rating
Intro APR - 0% intro APR on Purchases for first 15 months and 0% intro APR on Balance Transfers for first 15 months on qualifying balance transfers 9.4/10Very Good
Regular APR - 20.24%, 25.24%, or 29.99% Variable APR 9.6/10Excellent
Purchase - 20.24%, 25.24%, or 29.99% Variable APR 8.2/10Good
Balance transfer - 21.49%–28.49% variable, plus a fee of either $5 or 5% of the amount of each transfer, whichever is greater 7.8/10Good
Cash advance - 29.99% variable, plus a fee of either $10 or 5% of the amount of each transaction, whichever is greater 9/10Very Good
Penalty - None 10/10Exceptional
7.9

Wells Fargo Active Cash® Card Benefits

Discover the many benefits of our credit cards. They include cash back and travel perks, as well as purchase protection and fraud prevention. Explore our cards today and unlock a world of convenience and value.

Certainly! Here's a table. It shows the benefits of the Wells Fargo Active Cash® credit card:

Benefits Score
Cellphone protection

Get peace of mind with free cellphone protection. You get it when you pay your cellphone bill with the Active Cash card each month.

It protects against damage and theft. It covers up to $600 per claim. The deductible is $25. Other cards have a $50 deductible.

 10/10Exceptional
Visa perks

Unlock exclusive Visa perks with the Wells Fargo Active Cash® Card. Access Visa Concierge for help with travel, dining, and event tickets.

Also, enjoy the Visa Signature Luxury Hotel Collection. It offers special benefits. These include room upgrades, free breakfast, and more at select hotels.

 8.6/10Very Good
Unlimited Cash Back

Earn unlimited 2% cash back on purchases with no categories or caps.

2% is a very good reward point. especially if you have daily or frequent online purchase so this card is best for you. earn reward points you can utilize for others you need. it's good saving for you.

 8.5/10Very Good
No Annual Fee

Experience the card's benefits without worrying about an annual fee.

 10/10Exceptional
Introductory APR

You benefit from an introductory APR on purchases and balance transfers. It lasts for first 15 months.

Also for balance transfer 3% for 120 days from account opening.

 9.3/10Very Good
8.7

Wells Fargo Active Cash® Card Rewards

Wells Fargo Active Cash® Card Rewards program is renowned for its flexibility in credit currency. Explore various redemption options for your earnings, including:

  • Wells Fargo Active Cash® Card earns unlimited 2% cash rewards on all purchases.

Earn 2% unlimited cash-back rewards with the Wells Fargo Active Cash® Card on all purchases, with no categories or caps to worry about. That is the best part of this card.

This card is most popular for college students because of $0 annually free. That includes groceries, online, dining out, and everyday purchases. Plus, there are no rotating categories or limits on how much you can earn.

So, you can use your cash back however you want. Redeem your rewards for statement credits or deposits into your Wells Fargo account. You can also get travel, gift cards, and more. Experience the freedom of unlimited cash back with the Wells Fargo Active Cash® Card.

Wells Fargo Active Cash® Card Rewards Potential

Category Cash Back Percentage Estimated Annual Spend Estimated Annual Earnings
All Purchases 2% $10,000 $200

Total Estimated Annual Spend: $10,000
Total Estimated Annual Earnings: $200

Pro Tip
Earn unlimited 2% cash back on all purchases. There are no categories or caps. Keep track of your spending to avoid unnecessary fees. Maximize the card's benefits without worrying about an annual fee.
8.5

Recommended Credit Score

Credit Score : 690 - 850 (Fair - Exceptional)

We evaluate credit card options based on FICO credit scores. We ensure tailored recommendations that match your financial profile.

For more information see our FICO Recommended credit score Rating explanation here.

To qualify for the Wells Fargo Active Cash® Card, it's ideal to have a credit score ranging from 690 (Fair) to 850 (Exceptional). This ensures eligibility for tailored benefits and rewards that suit your credit profile. Apply today to access exclusive perks and elevate your credit card experience with us.

Compare The Wells Fargo Active Cash® Card vs. Other Popular Cards

Compare credit cards effortlessly to find the ideal match for your financial goals. Explore features, rewards, fees, and more to make informed decisions and maximize your benefits. You might want cash back, travel rewards, or low APR. Our tool makes it easy. It lets you compare many cards at once.

You have comprehensive information at your fingertips. You can select the card that best fits your spending and preferences. Take control of your finances. Find the perfect credit card for your needs with our easy comparison platform.
Wells Fargo Active Cash<sup>®</sup> Card Wells Fargo Active Cash® Card Discover it<sup>®</sup> Student Cash Back Card Discover it® Student Cash Back Card Ink Business Cash® Card Ink Business Cash® Card
8.7MyCreditCardLab
Score 		9.0MyCreditCardLab
Score

MyCreditCardLab Score 9.0

We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score.

Annual Fee
10
Intro APR
10
Regular APR
8
Rewards
8.8
Benefits
8
Welcome Bonus
8.5
Recommended Credit Score: 9
Foreign Transaction Fee: 10
Cash Advance Fee: 9.5
Balance Transfer Fee: 8.2
8.9MyCreditCardLab
Score

MyCreditCardLab Score 8.9

We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score.

Annual Fee
10
Intro APR
9.1
Regular APR
9
Rewards
9.3
Benefits
8.4
Welcome Bonus
9.4
Recommended Credit Score: 9.3
Foreign Transaction Fee: 7.3
Cash Advance Fee: 8.9
Balance Transfer Fee: 8.5
ANNUAL FEE
$0 $0 $0
INTRO APR
0% on Purchases and Balance Transfers for first 15 months 0% intro APR for 6 months 0% for 12 months from account opening date
REGULAR APR
20.24%, 25.24%, or 29.99% Variable APR 18.24% - 27.24% Variable APR 18.49% - 24.49% Variable
WELCOME BONUS
Earn a $200 cash rewards bonus after spending $500 in the first 3 months. Discover will match all cash back earned at the end of your first year with the card. Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
REWARDS
Unlimited 2% cash rewards on purchases. 5% cash back on rotating quarterly bonus categories You get 5% cash back on the first $25,000 spent. This is for combined purchases at office supply stores and on internet, cable, and phone services.
BENEFITS
Cell phone protection, Access Luxury Hotel Choice of card designs, Text and email alerts Purchase protection, Travel and emergency assistance services
CASH ADVANCE FEE / APR
5% (min $10) / 29.99% 5% (min $10) / 18.24% - 27.24% Variable 5% (min $15) / 29.99%
BALANCE TRANSFER FEE
Either $5 or 5% of the amount of each transfer, whichever is greater. 10.99% APR on Balance Transfers for 6 months, and then 18.24%-27.24% Variable APR Either $5 or 5% of the amount of each transfer, whichever is greater
RECOMMENDED CREDIT SCORE
690 - 850 (Fair - Exceptional) 630 - 689 (Poor - Fair) 690 - 850 (Fair - Exceptional)
FOREIGN TRANSACTION FEE
3% None 3%
BEST FOR
  • Travelers
  • Cash Back Seekers
  • Everyday Spending
  • Online Shopping
  • Rewards Points Enthusiasts
  • Cash Back Seekers
  • Students
  • Bad Credit
  • U.S. Supermarket Spending
  • Cash Back Seekers
  • Small Business Owners
  • Everyday Spending
  • Gas and Groceries
  • Dining Out
More Details Compare More Details Compare

Wells Fargo Credit Card Login

Follow these easy steps:

Step 1. Go to the Login Wells Fargo Credit Card page via the official link.
Step 2. Log in using your username and password. The login screen appears upon successful login.
Step 3. If you still can’t access Wells Fargo Credit Card Login then see forgot your username and password option.

Frequently Asked Questions (FAQs)

Still have questions? Check out some of the top FAQs on the Wells Fargo Active Cash® credit card below and get the answers you're looking for.

What are the benefits of a Wells Fargo Active Cash® Credit Card?

Wells Fargo Active Cash® Credit Card offers various benefits, including cashback rewards, travel perks, introductory offers, and additional features like purchase protection and fraud prevention.

What credit score do you need for the Wells Fargo Active Cash® card?

Wells Fargo does not offer recommendations on its website regarding minimum credit scores, but they do recommend that applicants have good to excellent credit scores for the Wells Fargo Active Cash® credit card.

FICO defines a credit score of 670-739 as "Good" 740-799 as "Very Good" and 800 and above as "Exceptional" Applicants aiming for approval may have higher chances with a credit score closer to the "Very Good" range or higher.

What is the process for applying for a credit card through Wells Fargo?

You can apply online, through the Wells Fargo app, through major credit card sites, through the mail or at a Wells Fargo branch.

Should You Get the Wells Fargo Active Cash® Card?

Yes, if you:

Want to avoid an annual fee.
Seek a competitive cash rewards rate and benefits.
Need to carry or transfer a balance.

About Aedam Jo

Aedam Jo is the Founder and Editor-in-Chief of MyCreditCardLab.com. Khunt has scored over 50+ Credit Cards himself. He has also written hundreds of reviews about their benefits, rewards, and fees. You may want cash-back rewards, travel perks, or low APRs. Aedam Jo Credit Card Reviews is here to guide you. We'll guide you through the complex world of credit cards clearly and confidently.

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