Wells Fargo Active Cash Card
A flat 2% cash back paired with a genuine 12-month 0% intro APR, a combination few no-fee cards match.
With a flat 2% back on net purchases and nothing to pay each year, the Wells Fargo Active Cash Card is built for people who want an uncomplicated everyday card.
It targets cardholders who spend mainly in the U.S. and would like an interest-free stretch of 12 months for a big purchase or a balance transfer.
What you get: 2% cash rewards, a $100 welcome bonus, 0% intro APR for a year and no annual fee.
Why is the Wells Fargo Active Cash Card worth it?
Wells Fargo states the earning rule plainly: two cents for each dollar of net purchases. There are no categories to enroll in and no rotating calendar to follow.
Advantages
- No annual fee
- 2% cash rewards on net purchases
- $100 bonus after $500 in net purchases in the first 3 months
- 12 months of 0% intro APR on purchases and balance transfers
- Autopay, scheduled payments and alerts in the Wells Fargo Mobile app
Disadvantages
- After the intro period the APR is 18.74%, 24.74% or 28.74% (variable)
- A 3% fee applies to transactions converted to U.S. dollars
- Balance transfers: $5 or 3% at first (whichever is greater), then up to 5% with a $5 minimum
- Late payments can cost up to $40
Important notice: this content is informational and based on official sources. We do not act as a financial intermediary.
Inside the Wells Fargo Active Cash Card
Active Cash is a Wells Fargo credit card with a billing due date at least 25 days after each period closes. Interest on purchases is not charged if the full balance is paid by the due date.
Before relying on the intro offer, note the timing: the 0% period runs 12 months from the day the account is opened, and balance transfers have to be requested within the first 120 days.
Key information
- Annual fee: none
- Cash rewards: 2% on net purchases
- Bonus: $100 after $500 in net purchases within 3 months
- 0% intro APR: 12 months, purchases and balance transfers
- APR afterward: 18.74%, 24.74% or 28.74% variable
- Cash advance: 29.74% APR; fee of $10 or 5%, whichever is greater
- Foreign conversion fee: 3%
- Rates as of: September 2026, per Wells Fargo
Last updated: 01/10/2026
Digital platform: Wells Fargo Mobile
Through the Wells Fargo Mobile app, cardholders can pay the same day or schedule payments for later, turn on Autopay and receive alerts by text, email or push.
Who is the Wells Fargo Active Cash Card ideal for?
Best for people who keep most spending inside the U.S., pay the statement on time and want one card to cover everything at 2%.
Not the right pick for those who often pay in other currencies, or who plan to leave a balance after the promotional period ends.
Common questions
Does the card have a yearly fee?
No, Wells Fargo lists no annual fee.
How much do I earn per purchase?
Two cents per dollar of net purchases, or 2%.
What does a balance transfer cost?
$5 or 3% of the amount, whichever is greater, during the first 120 days. After that, up to 5% with a $5 minimum.
Is the Wells Fargo Active Cash Card a good option?
A flat 2% with a year of 0% intro APR is an attractive combination for U.S. spending. The conversion fee, transfer fees and ongoing APR deserve a look before you apply.
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