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  1. Credit Cards
  2. >Wells Fargo Active Cash® Card
Wells Fargo Active Cash Visa® Card with chip and contactless tap to pay technology. Wells Fargo Active Cash Visa® Card with chip and contactless tap to pay technology.

Wells Fargo Active Cash® Credit Card

Earn a $200 cash rewards bonus when you spend $500 in purchases in the first 3 months1

Plus, earn unlimited 2% cash rewards on purchases2

$0 Annual Fee

Important Credit Terms
Apply now

Don’t miss out on these offers as they can vary over time and through different communication channels such as email, mail, online, phone or in a branch.
Apply now on this page to take advantage of these offers.

Enjoy our best cash back credit card ever with these welcome offers!

$200

cash rewards

when you spend $500 in purchases
in the first 3 months1

15 months

of our lowest intro APR

Enjoy 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. After that your variable APR will be 20.24%, 25.24% or 29.99%. Balance transfers made within 120 days qualify for the intro rate and fee.

Plus more Active Cash® Card features and benefits

Man and woman looking at phone

Cellular Telephone Protection

Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.3

Security features

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

Zero Liability protection

Built-in protection features ensure that you won't be held responsible for unauthorized transactions, as long as they're reported promptly.4

Emergency cash disbursement and card replacement

Get an emergency cash advance disbursed or a card replaced within one to three business days, in some cases, within 24 hours.5

Man and woman looking at phone
Couple relaxing on vacation

Enjoy extraordinary Visa Signature® privileges with the Active Cash® Card

Couple relaxing on vacation

24/7 Concierge service

Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature Concierge.6

Luxury Hotel Collection

The Active Cash Card offers you a premium collection of benefits at a selection of the world’s most intriguing and prestigious properties. Benefits include room upgrade, late check-out and complimentary breakfast. Visit Visa Signature Hotel Collection7 and learn more.

Redeem your unlimited cash rewards your way with Wells Fargo Rewards®

Choose a cash redemption option or redeem your rewards for travel, gift cards, and more

For more details on redeeming your cash rewards, visit wellsfargo.com/rewards

Family surfing
Women shopping

Active Cash® Card Awards

The Active Cash Card is our best cash rewards card ever!

the ascent A MOTLEY FOOL SERVICE BEST CREDIT CARDS ‘22-’23

The Ascent, a Motley Fool Service

2022 Best Cash Back Card Overall
2023 Best No Annual Fee Credit Card
2022 Best New Credit Card Launch

How will you redeem your cash rewards?

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

ATM red icon

Redeem at an ATM

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

piggy bank icon

Redeem for purchases

Redeem your rewards to offset eligible purchases from your credit card account. Redeem for purchases as little as $1.9

cash flow icon

Redeem to account

Redeem your rewards as a
credit to a qualifying Wells Fargo
credit card, checking account, or mortgage.10

gift icon

Redeem for gift cards

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

PayPal logo

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.11

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

Review how Active Cash® stacks up to the competition

Card Benefits
The Wells Fargo Active Cash Card
Wells Fargo
Active
Cash®
1 of 3
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Citi®
Double
Cash
2 of 3
Card icon
Discover It®
Cash
Back
3 of 3
Card icon
Capital One
Quicksilver
Rewards

2% Unlimited earn on purchases2

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— not available

— not available

— not available

Cash rewards
don’t expire while
account remains open

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— not available

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No categories to track

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— not available

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Redeem for purchases as little as $18

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— not available

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Welcome bonus

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— not available

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Intro APR on purchases

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— not available

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Intro APR on balance transfers

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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 06/26/23. 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, Wallethub, and The Ascent, a Motley Fool service including, Best Credit Card for Simple Cash Back, Best Overall Credit Card for Cash Back, and Best No Annual Fee Cash Back Credit Card.

©2017-2022 and TM, NerdWallet, Inc.

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

Credit card is subject to credit qualification.

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. 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. 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 Wells Fargo Rewards® Program Terms and Conditions Summary, and Wells Fargo Active Cash Visa® Card Account Addendum for details. ←back to content

  2. 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 Wells Fargo Rewards® Program Terms and Conditions Summary, and Wells Fargo Active Cash Visa® Card Account Addendum for further details. ←back to content

  3. 3. 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. 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 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). This protection is only available when cell phone bills are paid with an eligible 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 a card that is linked to a Line of Credit. 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. 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 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. This protection may not be equivalent to or better than other applicable coverage. For complete coverage benefits and exclusions regarding this protection, go to the Wells Fargo Active Cash® Card 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 content

  4. 4. 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 content

  5. 5. 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 1-800-397-9010 or call the Visa direct line at 1-303-967-1096 24 hours a day, seven days a week. Please refer to your Wells Fargo Active Cash® Card Guide to Benefits for details. ←back to content Return to Footnote 5

  6. 6. 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

  7. 7. 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

  8. 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. 9. 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 Summary, and Wells Fargo Active Cash Visa® Card Account Addendum. For additional details visit Wells Fargo: Rewards Terms, and select Wells Fargo Active Cash® Card from the drop down. Select “+Redeeming Rewards” and navigate to the Redeem for Purchases section. ←back to content

  10. 10. 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

  11. 11. 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 Summary, and Wells Fargo Active Cash Visa® Card Account Addendum, the participating PWR merchant User Agreement, and the Pay with Rewards Terms and Conditions for more 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-1023

Apply for the Wells Fargo Active Cash® card. Opens in the same window.

Wells Fargo Active Cash® Card

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

Active Cash® Card

Important Credit Terms

Apply now
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