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
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.
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
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.
Explore our business credit card
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
APR
0% intro APR for 12 months from account opening on purchases. 16.74% - 24.74% variable APR thereafter.
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.

