Unlock Everyday Rewards with the Wells Fargo Active Cash® Card
The Wells Fargo Active Cash® Card is designed for individuals who value simplicity and consistent rewards on every purchase. With unlimited 2% cash rewards on all eligible spending, no annual fee, and useful perks like a welcome bonus and cell phone protection, this card is an excellent choice for both daily use and larger expenses. Whether you’re seeking straightforward rewards or additional financial benefits, the Active Cash® Card provides a reliable balance of convenience, value, and peace of mind.
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Unlimited 2% cash rewards
Earn unlimited 2% cash rewards on every purchase without worrying about categories or limits.
No annual fee
Keep more of your rewards since the Wells Fargo Active Cash® Card has no annual fee, making it easy to maintain long-term.
Welcome bonus
New cardholders can receive a generous cash rewards bonus after meeting the minimum spending requirement within the first three months.
Cell phone protection and purchase benefits
Get peace of mind with built-in cell phone protection, zero liability for unauthorized transactions, and other security features.
Why Choose the Wells Fargo Active Cash® Card
The Wells Fargo Active Cash® Card stands out as one of the most straightforward cashback credit cards available today. Instead of tracking rotating categories or limited spending caps, cardholders enjoy unlimited 2% cash rewards on all purchases—whether it’s groceries, gas, dining, or online shopping. This simplicity makes the card appealing for individuals who prefer a “set it and forget it” rewards structure without the hassle of optimizing categories. Additionally, the card has no annual fee, meaning every reward earned stays in your pocket. New cardholders can also take advantage of a welcome bonus by meeting the initial spending requirement, further boosting its value during the first year. Beyond cashback, the Wells Fargo Active Cash® Card provides practical perks. Cardholders benefit from cell phone protection when paying their monthly bill with the card, along with purchase security features like zero liability for unauthorized transactions. Combined with easy redemption options—such as direct deposits, statement credits, or gift cards—the card delivers both value and convenience. In short, it’s a card that rewards you simply for using it, making it a strong contender for anyone seeking straightforward financial benefits.
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Does the Wells Fargo Active Cash® Card have an annual fee?
No, this card comes with no annual fee, making it a cost-effective option for long-term use.
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How much cashback can I earn?
You’ll earn unlimited 2% cash rewards on every purchase, with no spending caps or rotating categories.
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Is there a welcome bonus?
Yes, new cardholders can qualify for a cash rewards bonus after spending a set amount within the first three months.
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What credit score do I need to apply?
A good to excellent credit score is typically recommended for approval, though individual results may vary.
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Does the card offer additional protections?
Yes, the card provides cell phone protection, zero liability for unauthorized purchases, and purchase security benefits.
How to Apply for the Wells Fargo Active Cash® Card
Applying for the Wells Fargo Active Cash® Card is simple and can be done entirely online. Start by visiting the official Wells Fargo website, where you’ll find a detailed overview of the card’s benefits, terms, and eligibility requirements. Before applying, ensure you meet the general criteria, such as being at least 18 years old, having a U.S. address, and possessing a valid Social Security number. A good to excellent credit score is generally recommended for approval. During the application process, you’ll need to provide personal and financial information, including your full name, address, employment details, and annual income. This helps Wells Fargo assess your creditworthiness and determine your eligibility for the card. The application typically takes only a few minutes, and in many cases, you may receive a decision instantly. Once approved, you can expect your card to arrive by mail within 7–10 business days. After activation, you can immediately begin using it for everyday purchases and earning unlimited 2% cash rewards. Remember to take advantage of the welcome bonus by meeting the required minimum spend within the specified timeframe. By applying online and preparing your information in advance, you can streamline the process and start enjoying the card’s benefits quickly.