Wells Fargo Active Cash^SM Card

Earn a $200 cash rewards bonus when you spend

$1,000 in purchases in the first 3 months¹

Plus, earn unlimited
2% cash rewards on purchases²

$0 Annual Fee

Important Credit Terms

Apply Now

Meet our best cash back credit card ever!

Earn unlimited 2% cash rewards on purchases

with no categories to track or quarterly activations²

0% intro APR for 15 months

from account opening on purchases and qualifying balance transfers. After that your variable APR will be 16.49%, 21.49% or 26.49%. Balance transfers made within 120 days from account opening qualify for the intro rate and fee.

Additional card features
and benefits

Cell phone protection

Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible). Terms apply.³

Security features

Help keep your account information secure with advanced security features like Voice Verification and 2-step Verification at sign-on.

Wells Fargo Mobile® app

Pay credit card bills and check account activity at home or on the go with the Wells Fargo Mobile® app.⁴

Zero Liability protection

Built-in protection features ensure that you won't be held responsible for any unauthorized transactions, as long as they're reported promptly.⁵

Contactless

Tap your card where you see the Contactless Symbol and speed through checkout! wellsfargo.com/tap

Active Cash^SM Card Awards

NerdWallet

2022 Best Credit Card for Simple Cash Back

The Ascent, a Motley Fool Service

2022 Best Cash Back Card Overall
2022 Best No Annual Fee Cash Back Credit Card
2022 Best New Credit Card Launch

MONEY.com

2021 Best for
Flat-Rate Rewards

How will you redeem your cash rewards?

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

Redeem for purchases

Redeem your rewards to offset eligible purchases
from your credit card account. Redeem for purchases as little as $1.⁶

Redeem to account

Redeem your rewards as a
credit to a qualifying Wells Fargo
credit card, checking account, or mortgage.⁷

Redeem at an ATM

Cash redemption available
in $20 increments when you
use your Wells Fargo ATM
or Debit Card.⁸

Redeem for gift cards

Find the perfect gift card for that right occasion. Gift cards are redeemable in many amounts, including popular $25 increments.

Pay with Rewards through PayPal

You don't have to limit your choices. Shop at millions of online stores and redeem your rewards when you checkout with PayPal.⁹

Redeem rewards via desktop, mobile, phone, ATM, or in-branch — cash redemption options available may vary.

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

Exceptional Visa Signature^® privileges

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

Concierge service, 24/7

Your Wells Fargo Visa Signature® card provides
complimentary concierge¹⁰ service that can help you enjoy the
things you love. Simply pick up the phone to call Visa Signature Concierge. We are available 24 hours a day, 365 days a year
for your travel, dining and entertainment needs.

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 ¹¹

Review how Active Cash^SM
stacks up to the competition

blank header	1 of 3 Citi^® Double Cash	2 of 3 Discover It^® Cash Back	3 of 3 Capital One Quicksilver Rewards
2% Unlimited earn on purchases²	— not available	— not available	— not available
Cash rewards don’t expire while account remains open	— not available
No categories to track		— not available
Redeem for purchases as little as $1⁶	— not available
Welcome bonus	— not available	— not available
Intro APR on purchases	— not available
Intro APR on balance transfers

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^SM Card as of 05/10/2022. Competitor data is subject to change without notice.

Cash Back 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.

We call this a Foreign Currency Conversion fee. 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, Money.com, Wallethub, and The Ascent, a Motley Fool service including, Best Credit Card for Simple Cash Back, Best Cash Back Credit Card, Best Overall Credit Card for Cash Back, and Best No Annual Fee Cash Back Credit Card.

Wells Fargo Active Cash^SM Card

Earn a $200 cash rewards bonus when you spend

$1,000 in purchases in the first 3 months.¹

Active Cash^SM Card

Important Credit Terms

Apply Now

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 on this page to take advantage of this specific offer.

Read the Wells Fargo Active Cash^SM Credit Card Agreement and the Visa Guide to Benefits to learn more.

Credit card is subject to credit qualification.

Eligibility for introductory rate(s), fees, and bonus rewards offers

You may not be eligible for introductory annual percentage rates, fees, and/or bonus rewards offers if you opened a Wells Fargo credit card within the last 15 months from the date of this application and you received introductory APR(s), fees, and/or bonus rewards offers — even if that account is closed and has a $0 balance.

You may not qualify for an additional Wells Fargo credit card if you have opened a Wells Fargo credit card in the last 6 months.

1. To qualify for the $200 cash rewards bonus, a total of at least $1,000 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. These bonus cash rewards will show as redeemable within 1 – 2 billing periods after they are earned. Cash advances and balance transfers do not apply for purposes of this offer and may affect the credit line available for this offer. ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKS™, cash equivalents such as money orders and prepaid gift cards, casino gaming chips, wire transfers, 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, do not earn cash rewards. Refer to the Summary of the Wells Fargo Rewards^® Program Terms and Conditions and Addendum for the Wells Fargo Active Cash^SM Card for details. ←back to content
2. 2% cash rewards are earned for every $1 spent in net purchases (purchases minus returns/credits) on the credit card account. ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKS^™, cash equivalents such as money orders and prepaid gift cards, casino gaming chips, wire transfers, 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, do not earn cash rewards. Refer to the Summary of the Wells Fargo Rewards^® Program Terms and Conditions and Addendum for the Wells Fargo Active Cash^SM Card for further details. ←back to content
3. Cellular Telephone Protection can reimburse the eligible Wells Fargo Consumer Credit Card cardholder for damage to or theft of a cell phone. This is supplemental coverage not otherwise covered by another insurance policy (for example, cell phone insurance programs, or your homeowner’s, renter’s, automobile, or employer’s insurance policies) and may be applied after all other insurance is exhausted. Reimbursement is limited to the repair or replacement of 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. disappear without explanation). This protection is only available when cell phone bills are paid from your Wells Fargo Consumer Credit Card. The coverage does not apply if the cell phone bill is paid from a Wells Fargo Debit Card, Wells Fargo Business Credit Card, Wells Fargo Commercial Card or from the card that is linked to a Line of Credit. Coverage does not apply to cell phones that are rented, borrowed, or received as part of a prepaid plan. Electronic failure or issues related to the software of the device are not covered. Cellular Telephone Protection coverage begins the first day of the calendar month following your first cell phone billing on your 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. This protection may not be equivalent to or better than other applicable coverage. For complete coverage benefits and exclusions regarding this protection go to www.wellsfargo.com/ctp.

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 content
4. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply. ←back to content Return to Footnote 4
5. You won't be held responsible for any promptly reported unauthorized transactions. For more information, please review the applicable Consumer Credit Card Customer Agreement and Disclosure Statement. ←back to content
6. 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 for the Active Cash^SM Card. For additional details visit Wells Fargo: Rewards Terms, and select Wells Fargo Active Cash^SM Card from the drop down. Select “+Redeeming Rewards” and navigate to the Redeem for Purchases section. ←back to content
7. Rewards redeemed as a credit to a qualified Wells Fargo mortgage, loan, or credit product are applied toward your principal balance. You must still make regularly scheduled payments. ←back to content Return to Footnote 7
8. Cash redemption options by phone or online are redeemable in $25 increments only. Cash redemptions via a withdrawal from a Wells Fargo ATM or a rewards redemption to an eligible Wells Fargo account from a Wells Fargo ATM are redeemable in $20 increments only. You must have a Wells Fargo Debit or ATM Card in order to redeem rewards at a Wells Fargo ATM. There may be a maximum limit on the dollar amount of the rewards redemptions for cash that you can make each day at a Wells Fargo ATM. ←back to content
9. Pay with Rewards (“PWR”) feature allows you to redeem your available Wells Fargo Rewards^® (“rewards”) online through participating PWR merchants towards 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 Wells Fargo Rewards^® Program Terms and Conditions and the Addendum for the Wells Fargo Active Cash^SM Card, the participating PWR merchant User Agreement, and the Pay with Rewards Terms and Conditions for more details. ←back to content
10. Wells Fargo Visa Signature® 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. Review the full terms of service at visasignatureconcierge.com.←back to content
11. 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.

During COVID-19 (until further notice), we are unable to match rates through our Best Available Rate Guarantee.

There may be restrictions or closures of hotel facilities including food and beverage, spa and others. Such restrictions or closures may inhibit the hotel’s ability to fulfill some of the Visa Premium benefits as stated. For more information, please visit: https://www2.visasignaturehotels.com/coronavirus-information/. ←back to content

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.

Wells Fargo Active CashSM Card

Earn a $200 cash rewards bonus when you spend

Meet our best cash back credit card ever!

Earn unlimited 2% cash rewards on purchases

0% intro APR for 15 months

Additional card features and benefits

Cell phone protection

Security features

Wells Fargo Mobile® app

Zero Liability protection

Contactless

Active CashSM Card Awards

NerdWallet

The Ascent, a Motley Fool Service

MONEY.com

How will you redeem your cash rewards?

Redeem for purchases

Redeem to account

Redeem at an ATM

Redeem for gift cards

Pay with Rewards through PayPal

Exceptional Visa Signature® privileges

Concierge service, 24/7

Luxury Hotel Collection

Review how Active CashSM stacks up to the competition

Cash Back Credit Card FAQs

I already have a Wells Fargo Visa Card and want to switch to the Wells Fargo Active CashSM Card which will not receive a new rewards bonus offer or new introductory annual percentage rates. How can I do that?

How do I make a balance transfer on the Wells Fargo Active Cash Card?

Is there a balance transfer fee associated with the Wells Fargo Active Cash Card?

How long will a balance transfer request take to post to my Wells Fargo Active Cash Card account?

Does the Wells Fargo Active Cash Card have a foreign transaction fee?

Has the Active Cash Card won any awards?

Other things you need to know

Wells Fargo Active Cash^SM Card

Additional card features
and benefits

Active Cash^SM Card Awards

Exceptional Visa Signature^® privileges

Review how Active Cash^SM
stacks up to the competition