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Wells Fargo Active Cash®
Wells Fargo

Wells Fargo Active Cash®

A no-annual-fee cash back card from Wells Fargo.

Pools with Wells Fargo → transferable
Annual fee
No annual fee
Welcome bonus
$200 cash rewards bonus
Min spend
$500 in 3 months
Recommended credit
Good (670+)
Network
Visa
Apply on Wells Fargo site8.6/10Our rating · review ›

Rates, fees, and full terms are set by Wells Fargo and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.

Before you apply: Wells Fargo application and welcome-bonus rules →
Offer last verified July 24, 2026. How we verify.

Is this card right for you?

✓ Best for

people who want a simple, flat rate on every purchase with nothing to track.

⚠ Think twice if

you would rather chase elevated bonus categories than earn one flat rate.

Earning rates

Unlimited 2% cash rewards on all purchases
$200 cash rewards bonus after $500 spend in first 3 months
0% intro APR for 12 months on purchases and balance transfers

Best ways to earn & redeem

Use it as a flat-rate everyday card, since it earns the same on every purchase, and pair it with bonus-category cards for groceries, dining, and travel.

When you cash in, pool the rewards into the issuer transferable points when you also hold an eligible card, then move them to travel partners. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.

Features & benefits

No annual fee
Cell phone protection up to $600 (when you pay your monthly bill with this card)
Visa Signature Concierge service
Auto rental collision damage waiver
Travel and emergency assistance services
Zero liability protection

Transfer partners

On its own this card earns Go Far Rewards worth about 1 cent each. Pool it with a Wells Fargo transfer card such as the Autograph Journey, though, and the points unlock the same airline and hotel transfers, where major partners include:

Airline partners

Air France/KLM Flying Blue, Avianca LifeMiles, British Airways, Iberia, Cathay Pacific, JetBlue TrueBlue, Aer Lingus

To see what a specific flight award actually costs, look up live mileage prices and seat availability on seats.aero.

Hotel partners

Choice Privileges

You can check the live points price for a specific stay on rooms.aero.

See the full Wells Fargo ecosystem, card lineup, and live transfer bonuses →

Alternatives to the Wells Fargo Active Cash®

Pairs well with

The Wells Fargo Active Cash® earns Go Far Rewards but cannot transfer on its own. Pair it with a Wells Fargo transfer hub to unlock airline and hotel transfers.

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Wells Fargo Active Cash® lands.

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