The Wells Fargo Active Cash® Card is a highly recommended credit card for consumers looking for cash rewards, no annual fees, and an easy-to-use platform.
It offers an excellent combination of benefits, making it a great choice for those who want financial flexibility and a practical way to earn cash back on everyday purchases.
About the Card
The Wells Fargo Active Cash® Card is a credit card issued by Wells Fargo, one of the largest and most reputable financial institutions in the United States.
This card is designed for consumers who want a simple cashback program, without the complexity of rotating bonus categories, offering 2% unlimited cashback on all eligible purchases.
The absence of an annual fee and other unnecessary charges makes it an attractive choice for those who want a hassle-free credit card.
Additionally, the card provides a generous welcome offer for new customers, making it even more appealing for those starting with Wells Fargo.
About the Financial Institution
Wells Fargo is one of the most established and trusted financial institutions in the United States.
With over 160 years of history, Wells Fargo offers a wide range of banking services, including credit cards, checking accounts, investments, and more.
The company is known for its commitment to transparency, high-quality customer service, and accessible financial products for a variety of customers.
The Wells Fargo Active Cash® Card reflects this commitment, providing users with a credit card that has no annual fee and clear and easy-to-understand benefits.
Who Is This Card For?
The Wells Fargo Active Cash® Card is ideal for individuals seeking a simple and rewarding credit card.
If you want a card that offers a fixed cashback rate without worrying about rotating bonus categories, this is the right choice for you.
Additionally, it is perfect for those who prefer a no-annual-fee card and want a straightforward rewards program.
It is suitable for both new credit card users and those looking to switch to a more rewarding product.
Moreover, the Wells Fargo Active Cash® Card is a great option for people who make diverse purchases and do not want to classify their spending into different categories.
Whether it’s groceries, gas, dining, or entertainment, the 2% cashback applies to all purchases, making it a highly versatile everyday card.
Card Benefits
- 2% unlimited cashback on all eligible purchases, without the need for rotating categories.
- Generous welcome bonus for new customers, offering extra cashback.
- No annual fee, meaning you can enjoy benefits without additional costs.
- Zero liability protection in case of fraudulent transactions, ensuring safety.
- Access to additional benefits, such as purchase protection and travel insurance.
- Easy expense management through the Wells Fargo mobile app, allowing users to track and control spending.
Additional Perks
Besides offering consistent cashback and no annual fees, the Wells Fargo Active Cash® Card also provides several additional benefits that make it even more valuable for its users. Some of these perks include:
- Purchase protection: Coverage against damage or theft of items bought with the card for up to 90 days.
- Rental car insurance: Coverage for damages to rental vehicles when the card is used for payment.
- Travel protection: Benefits covering unexpected travel situations, such as flight delays and lost baggage.
- Apple Pay and other contactless payment options for secure and fast transactions.
- Additional services such as fraud alerts and credit monitoring.
These benefits make the Wells Fargo Active Cash® Card an excellent choice not only for those looking for a high cashback rate, but also for those who appreciate extra perks that provide peace of mind and security when shopping and traveling.
Fees and charges
Late Payment: Up to $40;
● Introductory APR: 0% for 12 billing cycles;
● Standard APR: 19.24% - 29.24%;
● Balance Transfer Fee: $5 or 3% per transfer for 120 days. After that, up to 5% (min. $5);
● Cash Advance: Either $10 or 5% of the amount of each advance.
Expert review
The Wells Fargo Active Cash card is an excellent choice for those looking for straightforward rewards.
It offers 2% cashback on every purchase, making it a simple and effective way to earn rewards without worrying about categories.
With no annual fee, it's accessible for many users.
Additionally, the card provides a solid welcome bonus for new cardholders.
However, the APR can be high for those carrying a balance, and it lacks premium travel benefits like other cards in its class.
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+Positive points
- 2% Cashback on Every Purchase: Earn unlimited 2% cashback on all purchases, with no category restrictions.
- No Annual Fee: Enjoy cashback benefits without paying an annual fee.
- Welcome Bonus: Take advantage of a generous sign-up bonus for new cardholders.
- Introductory 0% APR: Benefit from a 0% introductory APR on purchases and balance transfers for the first 15 months.
- Unlimited Rewards: No limits on how much cashback you can earn, making it ideal for high spenders.
- Negative points
- High APR After Introductory Period: The APR can be high for those who carry a balance after the intro period ends.
- No Travel Perks: Lacks travel protections and other premium benefits found in higher-tier travel cards.
- Foreign Transaction Fees: The card charges fees for international purchases, making it less ideal for travelers.