Wells Fargo Card
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The Wells Fargo Active Card is built for people who want simple, reliable rewards without juggling categories. With unlimited 2% cash back on purchases, a $0 annual fee, a welcome bonus, and an intro APR offer, it’s a strong everyday card.
By: rendademae
Unlimited cash back
All purchases with no categories to track or caps to worry about.
Welcome bonus
Rewards bonus after spending in the first 3 months (offer terms may vary).
Intro APR
Enjoy intro APR for 12 months on purchases.
Extra protections
Pay your cell phone bill with the card.
Why the Wells Fargo Card stands out
The Wells Fargo Active Card keeps rewards refreshingly straightforward. Instead of rotating categories or bonus caps, you earn unlimited 2% cash back on virtually everything you buy. On top of that flat-rate value, the card offers a competitive welcome bonus: spend $500 in the first three months and you can earn $200 in cash rewards. It’s a quick win for new cardholders who plan to use the card for normal spending anyway.
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What rewards do I earn with the Wells Fargo Active Cash Card?
You earn unlimited cash back on eligible purchases.
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Is there a sign-up bonus?
Yes. New cardholders can earn a $200 cash rewards bonus after spending $500 in the first 3 months, depending on the current offer.
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Does the card have an intro APR?
Yes, it typically offers 0% intro APR for 12 months on purchases and qualifying balance transfers, then a variable APR applies.
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Does it include cell phone protection?
Yes. Pay your monthly cell phone bill with the card and you can get up to $600 per claim (two claims per year, $25 deductible).
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Is there a foreign transaction fee?
Yes, the card generally charges a 3% foreign transaction fee, so it’s not the best pick for heavy international use.
How to apply for the Wells Fargo Active Card
Applying for the Wells Fargo Active Card is a standard credit-card process, and you can do it online or at a Wells Fargo branch. Start by checking whether your credit profile fits the card’s target range good to excellent credit gives you the strongest approval odds and best APR tier. Next, gather the basic info you’ll need for the application: legal name, address, Social Security number, income, housing payment, and employment details. After submission, Wells Fargo may approve you instantly or request additional verification. If approved, you’ll receive your card by mail. Once it arrives, activate it through the Wells Fargo app, by phone, or online, and set up your preferred payment method. Many cardholders pair this card with autopay for full statement balances, which helps avoid interest after the intro period and keeps cash-back earnings truly profitable.