About Wells Fargo Active Cash
The Wells Fargo Active Cash card earns a flat 2% cash rewards on all purchases with no annual fee, making it a direct competitor to the Citi Double Cash. The card includes a generous sign-up bonus, cell phone protection, and a 0% intro APR on purchases and balance transfers.
What's Great
- ✓Flat 2% cash rewards on all purchases with no annual fee
- ✓Generous sign-up bonus — uncommon for flat-rate no-fee cards
- ✓Cell phone protection when you pay your bill with the card
- ✓0% intro APR on both purchases and balance transfers
- ✓Simple rewards with no category activation or caps
Watch Out For
- !3% foreign transaction fee limits international use
- !Rewards must be redeemed as cash — no travel transfer partners
- !Wells Fargo's customer service reputation has been mixed
Common Use Cases
Everyday spender wanting 2% back on everything with a sign-up bonus
Cardholder looking for built-in cell phone protection at no extra cost
Someone consolidating debt with a 0% balance transfer and strong ongoing rewards
Pricing Model
Free
100% free to use — no credit card required.
Category
Cash Back Cards
Earn cash back on everyday purchases with straightforward rewards.
Tags
More Cash Back Cards Tools
See all →Citi Double Cash
Best flat-rate cash back card earning 2% on every purchase
Discover it Cash Back
Rotating 5% cash back categories with first-year cash back match
Chase Freedom Unlimited
Versatile no-fee card earning 1.5% on everything plus bonus categories
Capital One Quicksilver
Simple 1.5% flat-rate cash back card with no annual fee