Wells Fargo Active Cash® Card Review: Is It Right for Your Business?
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Wells Fargo Active Cash® Card Review: Is It Right for Your Business?

A credit card with unlimited 2% cash back and no annual fee.

July 1, 2025

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What Is the Wells Fargo Active Cash® Card?

The Wells Fargo Active Cash® Card is a straightforward business credit card that offers unlimited 2% cash back on all purchases with no annual fee. Designed for small business owners who want a simple rewards structure, this card operates on the Mastercard network and provides valuable benefits beyond its cash-back program, including cell phone protection insurance and travel benefits.

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Wells Fargo Active Cash® Card Pros & Cons

Pros:

  • Unlimited 2% cash-back rate on all purchases with no category restrictions
  • $0 annual fee makes it cost-effective for businesses of all sizes
  • Generous introductory sign-up bonus for new cardholders
  • Cell phone protection insurance when you pay your phone bill with the card
  • 0% intro APR period for purchases and balance transfers
  • No reward caps or earning limits

Cons:

  • Foreign transaction fees make it less ideal for international business travel
  • Requires good to excellent credit score for approval
  • Cash rewards can only be redeemed as a statement credit or deposited into an eligible Wells Fargo bank account
  • Higher ongoing APR compared to some competing business cards
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Who Is the Wells Fargo Active Cash® Card For?

This card is ideally suited for small business owners who:

  • Want a simple, flat-rate rewards structure without complicated category tracking
  • Have good to excellent credit scores (typically 670 or higher)
  • Prefer cash back over travel rewards
  • Make regular domestic purchases and don't frequently travel internationally
  • Want cell phone protection insurance for their business phones
  • Need a 0% intro APR period for large purchases or balance transfers
More:

Comparing the Wells Fargo Active Cash® Card with Other Cards

When considering the Wells Fargo Active Cash Business Card, it's helpful to compare it with other popular options in the business credit card category:

Capital One Venture X Business:

  • Annual fee: $395
  • Welcome offer: Substantial miles bonus after meeting spending requirements
  • Key rewards: 10X miles on hotels and rental cars, and 5X on flights and vacation rentals booked through Capital One’s travel booking site
  • Standout feature: 10,000 bonus miles each account anniversary

Ink Business Unlimited® Credit Card:

  • Annual fee: $0
  • Welcome offer: Large points bonus after meeting spending requirements
  • Key rewards: Unlimited 1.5% for all purchases
  • Standout feature: Unlimited 1.5% cash back rate with no categories to manage for consistent rewards on all business spending.

The Business Platinum Card® from American Express (See Rates & Fees):

  • Annual fee: $695
  • Welcome offer: Substantial points bonus after meeting spending requirements
  • Key rewards: Earn 5X Membership Rewards® points for flights, prepaid hotels, and short-term rentals and prepaid flight + hotel packages booked at AmexTravel.com.
  • Standout feature: Access to over 1,400 airport lounges worldwide, access is limited to eligible Card Members

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

Each card offers unique benefits tailored to different spending habits and preferences. Consider your personal financial goals when choosing the best card for you.

Key Takeaways:

  • Wells Fargo Active Cash Business Card excels in offering unlimited 2% cash back on all purchases with no annual fee
  • Capital One Venture X Business offers high travel rewards
  • Ink Business Unlimited® Credit Card provides strong points on business-related categories
  • The Business Platinum Card® from American Express features premium travel perks

[[ CARD_LIST * {"ids": ["3444","1098", "2290"]} ]]

Consider Using Kudos to Maximize Your Rewards

While the Wells Fargo Active Cash® Card offers excellent flat-rate rewards, you can potentially earn even more by using Kudos, a free AI-powered browser extension. Kudos automatically recommends the best card to use for each purchase, helping you maximize rewards across all your credit cards.

For example, while your Wells Fargo Active Cash Business Card earns 2% back on all purchases, you might have other cards that earn 3% or more in specific categories. Kudos helps you navigate these options effortlessly, ensuring you always get the highest possible return on your business spending.

Currently, Kudos is offering $20 back after your first eligible purchase — just sign-up for free with code "GET20" and make a purchase at a Boost merchant.

Our Expert Takeaway

The Wells Fargo Active Cash® Card stands out as a solid choice for business owners seeking straightforward rewards without an annual fee. Its combination of unlimited 2% cash-back, cell phone protection insurance, and introductory APR offers makes it a valuable addition to any business owner's wallet, especially when paired with smart shopping tools like Kudos.

Wells Fargo Active Cash® Card FAQ

What credit score do I need for approval?

A good to excellent credit score (670 or higher) is typically required. Wells Fargo also considers factors like income and existing banking relationships.

How does the cell phone protection insurance work?

When you pay your monthly cell phone bill with the card, you receive up to $600 in protection per claim (subject to a $25 deductible) against damage or theft. This coverage acts as supplemental insurance to any existing phone provider protection plans.

What are the balance transfer terms?

The card offers a 0% intro APR period for balance transfers, after which the ongoing APR applies. Balance transfers must be completed within the first few months of account opening.

Can I redeem rewards for travel?

While the card primarily focuses on cash back redemption through statement credits or deposits to eligible Wells Fargo accounts, you may have options to redeem for travel through the Wells Fargo rewards portal.

Are there any foreign transaction fees?

Yes, the card charges foreign transaction fees, making it less ideal for international business travel compared to dedicated travel credit cards.

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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

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