Wells Fargo Active Cash®: Benefits and Costs

Advantages of the Wells Fargo Active Cash® Card

Active Cash® combines a flat cash rewards structure with no annual fee and an introductory financing period. These features can make the card easier to understand for everyday purchases and planned expenses.

• Unlimited 2% cash rewards: Earn 2% cash rewards on eligible net purchases without rotating categories.
• No annual fee: The card has a $0 annual fee, although other charges may apply.
• Introductory APR: The current offer provides 0% introductory APR for 15 months on purchases and qualifying balance transfers.
• Welcome offer: Eligible new cardholders may earn $200 cash rewards after at least $500 in net purchases within the first three months.

Disadvantages of the Wells Fargo Active Cash® Card

The introductory APR is temporary, and qualifying balance transfers are not free. The card can also carry additional transaction costs, so these expenses should be compared with the value of the rewards.

• Foreign transaction fee: A 3% fee applies to qualifying foreign transactions converted to U.S. dollars.
• Balance transfer fees: A fee applies even when a qualifying transfer receives the introductory APR.
• Variable APR after the promotion: A variable APR applies after the 15-month introductory period ends.

How to Apply for the Wells Fargo Active Cash® Card

You can apply through the official Wells Fargo website. Before starting, review the current rewards, APRs, fees and eligibility conditions and prepare the requested personal and financial information. Approval is subject to credit evaluation.

1. Visit the official Wells Fargo website and find the Active Cash® Card.
2. Review the current offer, including rewards, APRs, fees and eligibility conditions.
3. Start the online application for the Wells Fargo Active Cash® Card.
4. Enter your personal and financial details in the required fields.
5. Review your information and submit the application.
6. Wait for Wells Fargo's decision or any additional instructions.

Is the Wells Fargo Active Cash® Card Right for Your Plans?

The Wells Fargo Active Cash® Card offers unlimited 2% cash rewards on eligible net purchases and a $0 annual fee. Its flat rewards structure can be useful for people who prefer earning cash rewards without managing rotating bonus categories.

Before applying, compare the variable APR and applicable fees with your planned card usage. Consider the balance transfer and foreign transaction costs and review Wells Fargo's current rewards and promotional conditions. Approval is not guaranteed.