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Wells Fargo
Wells Fargo Active Cash
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VisaWells Fargo
Wells Fargo Active Cash
4.5
(1,234 reviews)cashback
Last verified March 2026
A top flat-rate cash back card with 2% on everything and no annual fee.
Annual Fee
No annual fee
Purchase APR
20.49% – 29.49%
Rewards
2% base rate
Sign-Up Bonus
$200 value
Credit Score
Good (670-749)
Foreign Txn Fee
3%
Fees & APR
| Annual Fee | No annual fee |
| Purchase APR | 20.49% – 29.49% |
| Intro APR (Purchases) | 0% for 15 months |
| Intro APR (Balance Transfer) | 0% for 15 months |
| Balance Transfer Fee | 3% |
| Foreign Transaction Fee | 3% |
| Late Fee | Up to $40 |
Pros & Cons
2% flat rate on everything
No annual fee
Intro APR offer
Cell phone protection
3% foreign transaction fee
No bonus categories
Customer Reviews
4.5
1,234 reviews
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Nicole R.VerifiedNov 18, 2025
Rivals the Citi Double Cash
2% flat rate, no annual fee, plus cell phone protection and a better sign-up bonus threshold ($500 vs $1,500). Winner.
ST
Scott T.VerifiedAug 8, 2025
Simple and rewarding
No categories to track. Just use it for everything and get 2% back. The intro APR is a nice bonus.