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Credit Card Review💰 Best No-Fee 2%

Wells Fargo Active Cash® Card

Issued by Wells Fargo

Unlimited 2% cash rewards on all purchases — plus $200 cash bonus after $500 spend in 3 months.

At a Glance

Annual Fee

$0

Purchase APR

18.49%–28.49%

Rewards Rate

Unlimited 2% cash rewards on all purchases

Min. Credit Score

670+ (est.)

Intro APR

0% on purchases & balance transfers for 12 months

Sign-Up Bonus

$200 cash bonus after $500 spend in 3 months

Rates & Fees

Annual Fee

$0

Purchase APR

18.49%–28.49% variable

Intro APR

0% on purchases & balance transfers for 12 months

Foreign Transaction Fee

3%

Balance Transfer Fee

3% intro during the first 15 months, then up to 5% ($5 min)

Cash Advance Fee

5% or $10 minimum, whichever is greater

Late Payment Fee

Up to $40

Active Cash: the practical decision

Active Cash is designed for simple domestic cash back: unlimited 2% cash rewards, no annual fee, and no category tracking. Its main weaknesses are the 3% foreign transaction fee and the fact that a promotional balance-transfer period becomes expensive if debt remains when the regular variable APR begins.

Credit-limit factors

Income, existing obligations, utilization, credit history, recent applications, and existing Wells Fargo limits all matter. No specific score guarantees approval or a particular limit.

Balance-transfer test

Add the transfer fee to the balance, divide by the promotional months, and confirm that payment fits your budget. Do not use the rewards rate to justify carrying debt after the offer expires.

Cell phone benefit

Eligible wireless bills paid with the card can activate supplemental protection of up to $600 per claim, subject to a $25 deductible, two-claim annual limit, exclusions, and documentation.

For a direct alternative, compare Citi Double Cash vs. Wells Fargo Active Cash. Terms reviewed August 9, 2026; confirm the issuer’s live offer before applying.

Estimate Your Rewards

See how this card fits your monthly spending

Enter your typical monthly spend by category to see roughly what the Wells Fargo Active Cash® Card would earn you per year (this doesn't include any one-time sign-up bonus).

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$0/mo$1,500/mo
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$0/mo$1,500/mo
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$0/mo$1,500/mo
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$0/mo$1,500/mo
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$0/mo$1,500/mo
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$0/mo$3,000/mo

Est. Annual Rewards

$468/yr

After $0 Annual Fee

$468/yr

Based On

$1,950/mo

Key Features

Simple unlimited 2% on everything

Low $500 spend for bonus

Cell phone protection ($600, $25 deductible)

Pros & Cons

Pros

  • No annual fee
  • Easy-to-earn welcome bonus
  • Cell phone protection benefit

Tradeoffs

  • 3% foreign transaction fee
  • Limited premium travel perks

How to Apply

Check whether your credit profile is a reasonable fit — Wells Fargo generally looks for applicants around 670+ FICO for the Wells Fargo Active Cash® Card, alongside income and existing debt.

Gather your Social Security number, annual income, housing payment, and employer details before starting the application.

Apply directly through Wells Fargo's official site or app to make sure you're getting current, accurate offer terms.

Most issuers give an instant decision online; some applications are sent to manual review, which can take 7–10 business days.

If approved, activate the card and set up autopay before your first statement is due to avoid a late payment.

How It Compares

Current product highlighted
ProductAnnual FeePurchase APRRewards Rate
Wells Fargo Active Cash® Card$018.49%–28.49%Unlimited 2% cash rewards on all purchases
Citi Double Cash® Card$017.49%–27.49%2% on everything (1% when you buy + 1% when you pay)
American Express® Gold Card$32519.49%–28.49%4x restaurants (up to $50k/yr) & US supermarkets (up to $25k/yr), 5x prepaid hotels, 3x flights
Discover it® Cash Back$017.49%–26.49%5% in rotating quarterly categories (up to $1,500/qtr), 1% everything else

Frequently Asked Questions

What credit score do I need for the Wells Fargo Active Cash® Card?

Wells Fargo generally looks for applicants with a credit score around 670+ for the Wells Fargo Active Cash® Card, though approval also depends on your income, existing debt, and overall credit profile — not credit score alone.

What's the annual fee on the Wells Fargo Active Cash® Card?

The Wells Fargo Active Cash® Card has no annual fee, so there's no ongoing cost to keep the card open.

Does the Wells Fargo Active Cash® Card have a sign-up bonus?

Yes — new cardholders can currently earn $200 cash bonus after $500 spend in 3 months. Bonus terms and required spend change over time, so confirm the current offer on Wells Fargo's site before applying.

What fees should I watch for on the Wells Fargo Active Cash® Card?

Beyond the annual fee, check the foreign transaction fee (3%), balance transfer fee (3% intro during the first 15 months, then up to 5% ($5 min)), cash advance fee (5% or $10 minimum, whichever is greater), and late payment fee (Up to $40). These matter most if you carry a balance, transfer debt, or use the card internationally.

How does the Wells Fargo Active Cash® Card compare to similar cards?

The Wells Fargo Active Cash® Card is one of several cashback cards worth comparing side by side — see the "How It Compares" table on this page for a few close alternatives, or browse the full list of cashback cards for more options.

What credit limit can I get on the Wells Fargo Active Cash card?

Wells Fargo does not publish a guaranteed starting limit. The assigned limit depends on income, debt, credit history, existing Wells Fargo exposure, and the rest of the application. A score estimate alone cannot predict the limit, so avoid relying on anecdotal limits from other applicants.

How does Active Cash cell phone protection work?

Pay the monthly wireless bill with the eligible card before the covered incident. The official benefit provides up to $600 per claim, up to two paid claims and $1,200 per 12-month period, with a $25 deductible. Damage, theft, and certain involuntary accidental-parting events may qualify; exclusions and documentation requirements apply.

Other Credit Cards

Citi Double Cash® Card

2% on everything (1% when you buy + 1% when you pay)

American Express® Gold Card

4x restaurants (up to $50k/yr) & US supermarkets (up to $25k/yr), 5x prepaid hotels, 3x flights

Discover it® Cash Back

5% in rotating quarterly categories (up to $1,500/qtr), 1% everything else

Rates, fees, and rewards shown are illustrative as of 2026 and subject to change — always confirm current terms directly with the issuer before applying.

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