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Wells Fargo Active Cash

Wells Fargo · Visa

Best for

A flat 2% with nothing to activate, plus a 0% window. Keep a no-FX card alongside it for travel.

Apply on Wells Fargo Compare cards
Annual fee
None
FX fee
3%
Purchase APR
18.49%
Income req.
N/A

Reward rates

Every purchase, with no categories to track
2%

Welcome bonus

$200 cash rewards after $500 of spending in the first 3 months.

Requirement: $500 in 3 months

Perks

  • 0% intro APR for 12 months on purchases and qualifying balance transfers
  • Charges a 3% foreign transaction fee, so it is a poor choice abroad despite the flat domestic rate
  • The published APR is one of three tiers (18.49%, 24.49% or 28.49%) rather than a continuous range

Frequently asked questions

Is the Wells Fargo Active Cash worth it?

It has no annual fee. It's best suited to a flat 2% with nothing to activate, plus a 0% window. Keep a no-FX card alongside it for travel. Whether it's worth it for you depends on your spending. Run your own numbers through our credit card finder to see the net rewards after the fee.

What does the Wells Fargo Active Cash earn?

It earns 2% on every purchase, with no categories to track.

Disclaimer: This article is for informational purposes only and does not constitute financial, tax, or legal advice. Information may be simplified, incomplete, or out of date. Consult a licensed professional before making financial decisions. VaultNerd may receive compensation from partners featured on this site. This does not influence our editorial content.
Written by
VaultNerd Editorial Team

Researching and writing about Canadian personal finance since 2026.

Last reviewed August 2026 · How we research

Cite this page

“Wells Fargo Active Cash Review.” VaultNerd, https://www.vaultnerd.com/credit-cards/wells-fargo-active-cash, updated August 2026.

Sources
  • Wells Fargo published product page and cardholder agreement