Credit card review
Wells Fargo Active Cash Card Review
Wells FargoVisaCash backNo annual fee0% intro APR
Wells Fargo Active Cash Card earned 4.6 / 5 in our 2026 review. The Wells Fargo Active Cash Card earns 2% on everything with no annual fee, a $200 cash rewards bonus welcome offer. Here is the full Fintiex review for 2026.
By the Fintiex Card Desk · Updated 2026-04-29
TL;DR
Annual fee
$0
Signup bonus
$200
Top reward rate
2% on everything
Intro APR
0% for 12 mo
Issuer
Wells Fargo
Network
Visa
Min credit score
670
Fintiex rating
4.6 / 5
Pros
- +Unlimited 2% cash rewards on purchases, no categories to track
- +$200 cash rewards bonus after spending $500 in first 3 months
- +0% intro APR on purchases and qualifying balance transfers for 12 months
- +No annual fee
- +Cell phone protection (up to $600, $25 deductible) when you pay bill with card
- +Access to Visa Signature benefits
Cons
- -3% foreign transaction fee
- -3% balance transfer fee during intro period
- -No travel perks or airport lounge access
- -No bonus categories for higher earning
Rewards detail
everything else
2%
Rates and fees
Annual fee
$0
Purchase APR
20.24% to 29.99%
Variable, based on prime rate and creditworthiness
Intro APR
0% for 12 months
Balance transfer APR
20.24% to 29.99%
Cash advance APR
29.99%
Balance transfer fee
3%
Or $5 minimum, whichever is greater
Foreign transaction fee
3%
Who it's for
The Active Cash Card is built for people who want a cash back, no annual fee or 0% intro apr card. Most approvals land at FICO 670 and above, but issuers prefer scores near 720. If your credit profile is below the minimum, look at one of the secured or student picks on our hub before applying to avoid an unnecessary hard inquiry.
Not sure this is the right fit? See our best cash back cards roundup.
Compare with similar cards
Frequently asked questions
Does the Active Cash Card have a foreign transaction fee?
Yes. The Wells Fargo Active Cash Card charges a 3% foreign transaction fee on purchases made outside the United States. If you travel internationally often, pair this card with a no-foreign-fee travel card.
What credit score do I need for the Active Cash Card?
Approvals typically start around a FICO score of 670, but Wells Fargo prefers 720 and above. Income, debt-to-income ratio, and existing relationships with the issuer also factor in.
How much is the Active Cash Card signup bonus?
New cardholders earn $200 cash rewards bonus after spending $500 in the first few months. Fintiex values that at about $200 based on current redemption rates. Match the bonus to a real planned purchase so you do not overspend chasing it.
Does the Active Cash Card have an intro APR?
Yes. The Wells Fargo Active Cash Card offers a 12-month 0% intro APR. After the promo period ends, the standard variable APR of 20.24% to 29.99% applies. Pay off the balance before the intro window closes to avoid back interest.
How much is the annual fee on the Active Cash Card?
$0. The Wells Fargo Active Cash Card has no annual fee, so the math is simple: every dollar of rewards is pure savings.
Is the Active Cash Card worth it?
Fintiex rates the Wells Fargo Active Cash Card 4.6 out of 5 for 2026. It is best for cash back and no annual fee and 0% intro apr. Compare against our top picks in each category before you apply to make sure it matches your spending pattern.
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