Wells Fargo Active Cash® Card
Basic Information
Program ID: wells-fargo-active-cash-card
Issuer: Wells Fargo
Card Type: Credit
Network: Visa
Card Tier: Signature
Data Complete: Yes
Created: 01/07/2026 18:34
Last Scraped: 01/15/2026 08:14
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| 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
Purchase APR Range: 2,024.00% - 3,024.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 15 months
Balance Transfer APR: 2,024.00%
Intro BT APR: 0.00%
Intro BT Duration: 15 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $200.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Cash rewards are typically posted to your account within 1-2 billing cycles after the spending requirement is met.
Rewards Program
Reward Type: Cash Back
Base Reward Rate: 2.00%
Bonus Reward Rate: 2.00%
Bonus Categories: All purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as the account is open and in good standing.
Transfer Partners: None
Card Benefits
Protection Benefits
- Cell Phone Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- No Foreign Transaction Fees
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: For 2026, the Wells Fargo Active Cash Card bonus is generally available once every 15 months per specific card product. Eligibility requires applicants to be 18+ years old, a US resident, possess a valid SSN or ITIN, and have good to excellent credit (typically FICO 670+). Wells Fargo also has an unofficial application rule often cited as 1/6 (no more than 1 new Wells Fargo credit card account in 6 months) and 2/12 (no more than 2 new Wells Fargo credit card accounts in 12 months) for new credit card accounts.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, excessive credit limit relative to income, rapid application for multiple cards, suspicious account activity, repeated late payments, abuse of rewards programs, or significant changes in financial stability.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.4 / 5.0
Top Positive Feedback:
Excellent flat 2% cash back on all purchases, no annual fee, valuable sign-up bonus, and an introductory APR offer on purchases and balance transfers.
Top Negative Feedback:
Charges foreign transaction fees, lacks rotating bonus categories or premium travel perks, and some users report general dissatisfaction with Wells Fargo customer service.
Approval Experience Score: 85.0 / 100
Recommended Alternatives
- Citi Double Cash Card
- Chase Freedom Unlimited
- Capital One Quicksilver Cash Rewards Credit Card
Card Value Score: 90.0 / 100
Est. Annual Rewards: $360.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 72 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 90.0%
Terms Version Control
Version ID: v1.0