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  1. Credit Cards
  2. >Cash back credit cards
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Cash back credit cards

With a cash back credit card from Wells Fargo, you earn cash back in the form of cash rewards for purchases you make. Earn unlimited cash rewards on purchases with no categories to track or quarterly activations.

Cash back credit cards

With a cash back credit card from Wells Fargo, you earn cash back in the form of cash rewards for purchases you make. Earn unlimited cash rewards on purchases with no categories to track or quarterly activations.

Choose the credit card that fits your life

  • All Credit Cards All cards (9)
  • Cash Back Credit Cards Cash back (2)
  • Rewards Credit Cards Rewards (8)
  • 0% Intro APR Credit Cards 0% intro APR (4)
  • Travel Credit Cards Travel (6)
  • Balance Transfer Credit Cards Balance transfer (2)
  • No Annual Fee Credit Cards No annual fee (6)
  • Business Credit Cards Business (1)
  • All Credit Cards All cards (9)
  • Cash Back Credit Cards Cash back (2)
  • Rewards Credit Cards Rewards (8)
  • 0% Intro APR Credit Cards 0% intro APR (4)
  • Travel Credit Cards Travel (6)
  • Balance Transfer Credit Cards Balance transfer (2)
  • No Annual Fee Credit Cards No annual fee (6)
  • Business Credit Cards Business (1)

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 to take advantage of these offers.

Learn more about the Wells Fargo Active Cash® Card. Opens in the same window.

Active Cash® Card

Earn unlimited 2% cash rewards on purchases1

Intro offer

$200 cash rewards bonus when you spend $500 in purchases in the first 3 months2

Rewards

Unlimited 2% cash rewards on purchases1

Annual fee

$0

APR

0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.49%, 24.49% or 28.49% variable APR thereafter. Balance transfers made within 120 days qualify for the intro rate and fee.

Important Credit Terms
Apply now Learn more

Explore our business credit card

Wells Fargo Signify Business Cash (registered) Card with chip and contactless tap to pay technology.

Signify Business Cash® Card

Boost your business’s purchasing power

Intro offer

$500 cash rewards bonus when you spend $5,000 in purchases for your business in the first 3 months3

Rewards

Unlimited 2% cash rewards on purchases made for your business with no categories to track, and no limit to the amount of rewards you can earn4

Annual fee

$0

APR

0% intro APR for 12 months from account opening on purchases. 16.74% - 24.74% variable APR thereafter.

Important Credit Terms
Apply now Learn more

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Cash Back Credit Cards FAQs

A cash back credit card rewards cardholders for their everyday spending. Some cash back cards provide a flat rate percentage back on any eligible purchase. Other cards have bonus categories that offer a higher rate of cash back.

Cash back credit cards reward you when you make an eligible purchase by putting a set percentage of the purchase amount into your cash back account. Your cash back balance will increase until you cash it out. You may have the option to apply it to your card account as a statement credit or request a check payment, depending on the card’s terms.

Some cash back cards allow you to earn unlimited cash back, and some may have an earnings cap. If your cash back card earns different cash back amounts depending on the category, you may find that bonus categories have a monthly, quarterly, or yearly cap.

The categories depend on your card’s terms. Some cash back rewards apply to all categories, while others may provide higher rewards for different types of spending. For example, some cash back cards may offer 3% back on supermarket spending or for gas purchases, while others may provide higher rates on categories like dining or travel.

Cash back occurs automatically whenever you make a qualifying purchase with your card. Once you start using a cash back card, your cash back balance will begin to increase. At the end of your billing cycle, your cash back balance will increase to include any eligible cash back you earned for that period.

Other things you need to know

Other things you need to know footnotes

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 to take advantage of these offers.

View credit cardholder agreements

View business credit cardholder agreements

This offer is not a guarantee of credit. Credit card is subject to credit qualification.

Each credit card product has its own eligibility requirements. Select the ‘Learn More’ button for the credit card product you are interested in for further details.

Footnote 1. 2% cash rewards are earned for every $1 spent in net purchases (purchases minus returns/credits) on the credit card account. “Purchases” that do not earn cash rewards include: cash advances and cash equivalents of any kind (such as ATM transactions, cash advances (including overdraft protection advances), traveler’s checks, money orders, pre-paid gift cards, person-to-person money transfers, digital currencies (to the extent accepted), and wire transfers), balance transfers, SUPERCHECKS; disputes, illegal actions and violations; 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. 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 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. The bonus cash rewards will show as redeemable within 60 days after they are earned. “Purchases” that do not apply to this offer and do not earn cash rewards include: cash advances and cash equivalents of any kind (such as ATM transactions, cash advances (including overdraft protection advance), traveler’s checks, money orders, pre-paid gift cards, person-to-person money transfers, digital currencies (to the extent accepted), and wire transfers); balance transfers including the use of SUPERCHECKS; disputes, illegal actions, and violations (such as disputed or illegal purchases or purchases that violate the terms of your agreements); fees and interest of any kind (such as late fees, returned payment fees, monthly or annual fees); gambling transactions of any kind (such as bets or wagers transmitted over the internet, casino gaming chips, lottery tickets or off-track wagers). Cash advances and balance transfers may affect the credit line available for this offer. Refer to the Summary of the Wells Fargo Rewards® Program Terms and Conditions and the Wells Fargo Active Cash Visa® Card Addendum for more information about the rewards program. ←back to content

Footnote 3. To qualify for the $500 cash rewards bonus, a total of at least $5,000 in qualifying net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. The bonus cash rewards will show as redeemable within 60 days after they are earned. “Purchases” that do not apply to this offer and do not earn cash rewards include: cash advances and cash equivalents of any kind (such as ATM charges, cash advances (including overdraft protection advance), traveler’s checks, money orders, pre-paid gift cards, person-to-person money transfers, digital currencies (to the extent accepted), and wire transfers); disputes, illegal actions, and violations (such as disputed or illegal purchases or purchases that violate the terms of your agreements); fees and interest of any kind (such as late fees, returned payment fees, monthly or annual fees); gambling transactions of any kind (such as bets or wagers transmitted over the internet, casino gaming chips, lottery tickets or off-track wagers). Cash advances may affect the credit line available for this offer. Refer to the Summary of Wells Fargo Business Rewards® Program Terms and Conditions and Signify Business Cash® Card for more information about the rewards program. ←back to content

Footnote 4. 2% cash rewards are earned for every $1 spent in qualifying purchases, made on Business Card account(s), rounded to the nearest one cent. "Qualifying purchases" are net purchases (purchases minus returns/credits) and exclude cash advances and cash equivalents of any kind (such as ATM charges, overdraft protection advance, traveler’s checks, money orders, pre-paid gift cards, person-to-person money transfers, digital currencies (to the extent accepted), and wire transfers); balance transfers including the use of SUPERCHECKS; disputes, illegal actions, and violations (such as disputed or illegal purchases or purchases that violate the terms of your agreements); fees and interest of any kind (such as late fees, returned payment fees, monthly or annual fees); and gambling transactions of any kind (such as bets or wagers transmitted over the internet, casino gaming chips, lottery tickets or off-track wagers). Refer to the Summary of Wells Fargo Business Rewards® Program Terms and Conditions and Signify Business Cash® Card for further details. ←back to content

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