THE CARDTUNED DATABASE
Wells Fargo Active Cash Card
Issuer: Wells Fargo · Network: Visa
Unlimited 2% cash rewards on eligible purchases
- Annual fee
- $0
- Foreign transaction fee
- 3%
- Intro APR
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers.
- Regular APR
- 18.74%, 24.74% or 28.74% variable APR after the introductory period; September 26, 2026 application terms.
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
$100 cash rewards after $500 in net purchases within 3 months of account opening.
- Spending requirement
- $500 in net purchases
- Time window
- 3 months from account opening
Offer last checked: 2026-09-05
Earning rates
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| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Eligible purchases | 2% | Unlimited — cash rewards on eligible purchases Rewards apply to eligible net purchases only. Merchant coding controls bonus categories; returns, fees, interest, cash advances, balance transfers, and cash-like transactions do not earn rewards. Offer eligibility, category caps, and redemption values follow issuer terms. |
Restrictions to know
The $100 offer requires $500 in net purchases within 3 months. Balance transfers made within 120 days qualify for the introductory rate and fee; rewards apply to eligible net purchases.
Who can apply
U.S. applicant of legal age; subject to Wells Fargo credit approval, identity and income verification, and current product/application rules.
Credit profile: Generally good to excellent credit positioning
Before you choose
Use a flat-rate card as your baseline
A simple rewards card can fill the gaps left by category cards. Compare the return on spending that does not receive a bonus on your other cards, rather than assigning every purchase to the highest advertised rate.
If you are considering an introductory APR offer, review the purchase and balance-transfer terms separately. Interest after the introductory period can outweigh the rewards.