Be a 2%er

Earn unlimited 2%
cash back on purchases1

That’s real life ready.

Earn unlimited 2% cash back*
on purchases1 you
want and need.

That’s real life ready.

Wells Fargo Active Cash Visa® Card with chip and contactless tap to pay technology.

Get the Active Cash® Card

When you become a Wells Fargo Active Cash Credit cardholder,
you become part of an inclusive club — The 2%ers. This means
that when you make a purchase with the Active Cash Credit Card
— like clothing, gas, groceries, and more — you not only earn
unlimited 2% cash back, you also earn the moniker “2%er”.

Wells Fargo Active Cash Visa® Card with chip and contactless tap to pay technology.

Earn a $200 cash back* bonus when you spend $500 in purchases in the first 3 months2

Unlimited 2% cash back* on purchases with no categories to track or quarterly activations1

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 from account opening qualify for the intro rate and fee.

*Cash back is earned in the form of cash rewards

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.

Additional card features
and benefits

Cellular Telephone Protection

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

Auto Rental Collision Damage Waiver

Pay for rental cars using an eligible card and get reimbursed for covered damage or theft.4

Travel Emergency Assistance Services

Available for covered Wells Fargo cardholders. Count on emergency assistance while traveling anywhere in the world. To learn more, call 1-800-992-6029. If you are outside the U.S., you can call collect: 1-804-673-1675.5

Roadside Dispatch

Available whenever you're in need of a tow - for eligible Wells Fargo cardholders 24/7 with no membership required. To learn more call 1-800-847-2869.6

Emergency Cash Disbursement and Card Replacement

Visa credit cardholders can get an emergency cash advance disbursed or a card replaced within one to three business days after issuer approval. Any cash advance fees and interest charges that are associated with your credit card account would apply.7

My Wells Fargo Deals

Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It’s an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.8

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.9

Credit Close-Upservice mark

With Credit Close-Upservice mark you own the skills to help understand and track your FICO® Score, raise it, or maintain it. Enroll to receive monthly FICO® Score updates and personalized credit insights. It’s complimentary to Wells Fargo Online® customers and using it won’t negatively affect your score.10 For additional information, visit wellsfargo.com/ficoscore.

Active Cash® Card Awards

N NerdWallet Best-Of Awards 3X Winner

NerdWallet

2022, 2023 & 2024 Best Credit Card for Simple Cash Back

©2017-2022 and ™, NerdWallet, Inc. All Rights Reserved.

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

The Ascent, a Motley Fool Service

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

Bankrate

Bankrate

2024 Best Credit Card for Flat-Rate Cash Back

RATED Buy Side FROM THE WALL STREET JOURNAL 2024 Best Overall Gas Credit Card Best Travel Credit Card for No Annual Fee

WSJ Buy Side

2024 Best Cash Back Rewards Credit Card
2024 Best Overall Cash Back Card

How will you redeem your cash rewards?

Discover all the ways you can be rewarded, including these and more!

Redeem for purchases

Redeem rewards to offset eligible purchases made on your credit card account. Redeem for purchases as little as $1.11

Redeem to account

Redeem your rewards as a credit to a qualifying Wells Fargo credit card, checking account, or mortgage.12

Redeem at an ATM

Cash redemption available in $20 increments when you use your Wells Fargo ATM or Debit Card.13

Redeem for gift cards

Find the perfect gift card for the 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 check out with PayPal.14

Exceptional Visa Signature® privileges

Enjoy these additional benefits with your Wells Fargo Active Cash® card

Concierge service, 24/7

Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature Concierge.15

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.com16

Review how Active Cash® stacks up to the competition

Wells Fargo
Active
Cash®
1  of   3
Citi®
Double
Cash
2  of   3
Discover it®
Cash
Back
3  of   3
Capital One
Quicksilver
Rewards

2% Unlimited earn on purchases1

check mark check mark not available not available not available not available not available not available

Cash rewards don’t expire while account is open

check mark check mark not available not available check mark check mark check mark check mark

No categories to track

check mark check mark check mark check mark not available not available check mark check mark

Redeem for purchases as little as $111

check mark check mark not available not available check mark check mark check mark check mark

Welcome bonus

check mark check mark not available not available not available not available check mark check mark

Intro APR on purchases

check mark check mark not available not available check mark check mark check mark check mark

Intro APR on balance transfers

check mark check mark check mark check mark check mark check mark check mark check mark

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 01/05/2023. Competitor data is subject to change without notice.

Apply for the Wells Fargo Active Cash® card.

Wells Fargo Active Cash® Card

Earn a $200 cash back* bonus when you spend old price new price $500 in purchases in the first 3 months.2

*Cash back is earned in the form of cash rewards

Active Cash® Card

Important Credit Terms

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.

Footnote 1. 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 the Wells Fargo Active Cash Visa® Card Addendum for further details. ←back to content

Footnote 2. 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 Summary of the Wells Fargo Rewards® Program Terms and Conditions and the Wells Fargo Active Cash Visa® Card Addendum for details. ←back to content

Footnote 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, refer to the 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

Footnote 4. Coverage is supplemental to Cardholder's primary insurance coverage. Entire rental transaction must be completed with an eligible Wells Fargo Active Cash® Credit Card and/or rewards programs associated with your covered account. Cardholder must decline coverage from the rental company to be eligible for this benefit. Certain vehicles are not covered. Certain restrictions and limitations apply. Please review the Wells Fargo Active Cash® Card Guide to Benefits for details. ←back to content

Footnote 5. Travel and Emergency Assistance Services provide assistance and referral only. Cardholder is responsible for the cost of any actual medical, legal, transportation, cash advance, or other services or goods provided. Certain restrictions and limitations apply. Please review the Wells Fargo Active Cash® Card Guide to Benefits for details. ←back to content

Footnote 6. Current fee for a standard service call will be confirmed at the time service is requested. Rates apply to vehicles up to 10,000 pounds gross vehicle weight only. Cardholders are required to pay the service provider for mileage over five miles. Emergency roadside assistance and towing may not be available in all areas. The roadside assistance and towing service provider is solely responsible for any liability associated with use of roadside dispatch services. Certain restrictions and limitations apply. Please review the Wells Fargo Active Cash® Card Guide to Benefits for details. ←back to content

Footnote 7. 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

Footnote 8. You must activate a deal and use your eligible card to make purchases directly with the merchant providing the deal by the expiration date. Purchases must satisfy all the requirements in the My Wells Fargo Deals Terms and Conditions and the Deal Terms in order to qualify for the deal. Cash back will not be earned on any portion of a purchase transaction that is paid for with store credit, gift certificates, or other payment types. If you pay using a digital wallet or through a third-party provider, or if the merchant uses a mobile or wireless card reader to process your payment, you may not have fulfilled the requirements to redeem the deal and receive the cash back. Cash-back transactions will appear in the form of a statement credit on the eligible card account within 90 days of the deal expiration date. Cash back or statement credits may be reversed if a qualifying purchase is returned or canceled. Refer to the My Wells Fargo Deals Terms and Conditions for details applicable to all eligible cards. ←back to content

Footnote 9. 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

Footnote 10. You must be the primary account holder of an eligible Wells Fargo consumer account with a FICO® Score available, and enrolled in Wells Fargo Online®. Eligible Wells Fargo consumer accounts include deposit, loan, and credit accounts, but other consumer accounts may also be eligible. Contact Wells Fargo for details. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply.

Please note that the score provided under this service is for educational purposes and may not be the score used by Wells Fargo to make credit decisions. Wells Fargo looks at many factors to determine your credit options; therefore, a specific FICO® Score or Wells Fargo credit rating does not guarantee a specific loan rate, approval of a loan, or an upgrade on a credit card. ←back to content

Footnote 11. 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 Addendum for the Wells Fargo Active Cash® Card. 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

Footnote 12. 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

Footnote 13. 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

Footnote 14. 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 Summary of the Wells Fargo Rewards® Program Terms and Conditions and the Wells Fargo Active Cash Visa® Card Addendum, the participating PWR merchant User Agreement, and the Pay with Rewards Terms and Conditions for more details. ←back to content

Footnote 15. 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

Footnote 16. 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

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-0424