Wells Fargo Active Cash® Card

Wells Fargo Visa Signature Pending

Back Apply Now

15

Benefits

1

Reward Categories

2x

Max Reward

20.2%

APR From
Basic Information
PENDING

Program ID: wells-fargo-active-cash-card

Issuer: Wells Fargo

Card Name: Wells Fargo Active Cash® Card

Card Type: Credit

Network: Visa

Card Tier: Signature

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 18:34

Last Scraped: Jan 23, 2026 04:36

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 1 Categories
PENDING
Category Rate Type Description Annual Cap Status
All Purchases 2x Cash Back Earn unlimited 2% cash rewards on purchases No Cap
Rewards Summary
PENDING

Reward Type: Cash Back

Base Rate: 2x

Bonus Rate: 2x

Categories: All purchases

Quarterly Rotating: No

Expiration Policy: Points do not expire as long as account is active and in good standing.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Transfer Partners: None

Redemption Penalties: None

Benefits & Protections (Detailed) 15 Total
PENDING
Cash Rewards 1
Unlimited 2% Cash Rewards
2% cash rewards on purchases

Earn unlimited 2% cash rewards on purchases. There's no cap on how much you can earn.

Convenience 2
Digital Wallet Compatibility
Compatible with Apple Pay, Google Pay, Samsung Pay

Make purchases simply and securely with your Wells Fargo Active Cash Card using Apple Pay®, Google Pay™, or Samsung Pay.

Concierge Services
24/7 personal assistant for various needs

Enjoy complimentary 24/7 access to a dedicated personal assistant for help with travel, dining, entertainment, and more.

Financial Management 7
Introductory APR on Purchases
0% intro APR for 15 months on purchases

0% intro APR for 15 months from account opening on purchases, then a variable APR of 20.24%, 25.24%, or 29.99%.

Introductory APR on Balance Transfers
0% intro APR for 15 months on balance transfers

0% intro APR for 15 months from account opening on qualifying balance transfers, then a variable APR of 20.24%, 25.24%, or 29.99%. Balance transfers made within 120 days qualify for the intro APR and a balance transfer fee of 3% then a fee of up to 5% applies.

Account Alerts
Customizable account activity alerts

Stay on top of your spending and account activity with email or text alerts.

Online and Mobile Account Access
24/7 online and mobile account management

Manage your account, pay bills, and more from your computer or mobile device.

Overdraft Protection Service
Link to checking for overdraft prevention

Link your eligible Wells Fargo checking account to your credit card to help prevent overdrafts.

My Money Map Financial Tool
Free online financial management tool

A free online financial tool that helps you manage your money, track spending, and create budgets.

Free FICO® Score Access
Free FICO® Score

Access your FICO® Score for free through Wells Fargo Online® or your mobile device.

Purchase Protection 1
Cell Phone Protection
Up to $600 cell phone protection

Get up to $600 of protection on your cell phone when you pay your monthly cell phone bill with your Wells Fargo Active Cash Card. Subject to a $25 deductible. You are eligible for up to 2 claims per 12-month period. Terms, conditions, and exclusions apply.

Security 2
Zero Liability Protection
No liability for unauthorized transactions

You won't be held responsible for unauthorized transactions when reported promptly.

Fraud Monitoring and Alerts
Proactive fraud monitoring and alerts

We monitor your account for suspicious activity. If we spot something unusual, we'll notify you by email, text, or phone.

Travel Assistance 2
Travel and Emergency Assistance Services
24/7 travel and emergency support

Connects you with the help you need when you're away from home. Available 24 hours a day, 365 days a year.

Roadside Dispatch
Pay-per-use roadside assistance

A pay-per-use roadside assistance program. No membership or pre-registration required.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
PENDING

$200

Cash Back

Requirement: Spend $500 in 90 days

Timing: Bonus cash rewards will be added to your account within 1-2 billing cycles after meeting the spending requirement. This typically takes 6-8 weeks, but can sometimes be faster.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 0.30%
Min Interest Charge: $1.00
Additional Fees
PENDING
Late Fee: $40.00
Returned Payment: $40.00
Balance Transfer: Either $5 or 3% of the amount of each transfer, whichever is greater.
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 20.24% - 29.24%

Balance Transfer APR: 29.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 15 months

Intro BT APR: 0% for 15 months

Promo Duration: 0 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 850
Very Good
Supported
Application Process
Available
Not Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Wells Fargo Active Cash Card requires applicants to be a US resident, 18 years or older, with good to excellent credit (typically FICO 700+). A key issuer rule is that cardholders are eligible for one new card bonus for the Wells Fargo Active Cash Card every 15 months. Wells Fargo also considers the number of recently opened accounts across all issuers when evaluating new applications.

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, excessive cumulative credit limit across Wells Fargo accounts, rapid application for multiple Wells Fargo cards, suspicious spending patterns inconsistent with income or history, repeated late payments or returned payments, abuse of return policies.

Cliff Effect Rules: The primary 'cliff effect' rule for the Active Cash card is the 'one bonus per 15 months per card' restriction. Wells Fargo does not typically enforce broad 'card family' rules that prevent bonuses across different product lines for extended periods, unlike some other issuers. However, overall credit exposure and recent account openings across all Wells Fargo products can influence approval decisions.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 4.2 / 5.0

Top Positive:
Flat 2% cash back on all purchases, no annual fee, valuable sign-up bonus, and cell phone protection.

Top Negative:
Foreign transaction fees, limited travel benefits, and some users report average customer service.

Approval Experience: 78.0 / 100

Recommended Alternatives
  • Citi Double Cash Card
  • PayPal Cashback Mastercard
  • Chase Freedom Unlimited

Card Value Score: 85.0 / 100

Est. Annual Rewards: $400.00

Approval Probability: 80.0%

Version Control
PENDING

Version ID: v1.0