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Wells Fargo Active Cash® Card Review: Unlimited 2% Cash Rewards, Plus the Business Alternative
September 27, 2026
The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.
The Wells Fargo Active Cash® Card is a personal credit card, not a business card. It earns unlimited 2% cash rewards on purchases with a $0 annual fee, which makes it one of the simplest flat-rate cards available.
If you run a business and want the same 2% structure on a business account, Wells Fargo offers a separate product, the Signify Business Cash℠ Card. This review covers both so you can pick the right one.
What Is the Wells Fargo Active Cash® Card?
The Active Cash Card is a Visa Signature® consumer card from Wells Fargo. It earns 2% cash rewards on purchases, with no categories to track and no quarterly activations.
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Is the Wells Fargo Active Cash Card a Business Card?
No. Wells Fargo offers the Active Cash Card as a personal credit card, and its business cards are a separate lineup.
For business spending, Wells Fargo's 2% option is the Signify Business Cash℠ Card. Wells Fargo says it earns unlimited 2% cash rewards on business purchases with no categories or caps and a $0 annual fee.
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Keeping business expenses on a business card also makes bookkeeping and taxes easier, since your company's spending stays separate from personal purchases. Our guide to business credit cards for freelancers explains how to qualify.
Wells Fargo Active Cash Card Benefits and Terms
- Rewards: unlimited 2% cash rewards on purchases
- Annual fee: $0
- Welcome bonus: $100 cash rewards bonus after you spend $500 on purchases in the first 3 months
- Intro APR: 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers, then a variable APR of 18.74%, 24.74% or 28.74%. Balance transfers must be made within 120 days to qualify for the intro rate, and a balance transfer fee applies.
- Cell phone protection: up to $600 per claim against covered damage or theft, with a $25 deductible and up to two paid claims per 12-month period, when you pay your monthly cell phone bill with the card
- Travel extras: auto rental collision damage waiver, travel and emergency assistance, Roadside Dispatch and Visa Signature® Concierge
- Foreign transaction fee: 3% of each foreign transaction converted to U.S. dollars
How Do You Redeem Active Cash Rewards?
Wells Fargo lets you redeem cash rewards as a statement credit against past purchases (starting at $1), as a credit to an eligible Wells Fargo credit or checking account, for gift cards, or through Pay with Rewards at PayPal and participating merchants.
Wells Fargo Active Cash Card Pros and Cons
Pros
- Unlimited 2% cash rewards with no categories or caps
- No annual fee
- 0% intro APR for 12 months on purchases and qualifying balance transfers
- Cell phone protection when you pay your phone bill with the card
Cons
- 3% foreign transaction fee makes it a poor pick for travel abroad
- It is a personal card, so it does not separate business spending
- No bonus categories, so a category card can earn more on groceries, dining or gas
- The $100 welcome bonus is modest next to many other cards
Who Is the Wells Fargo Active Cash Card For?
- People who want one no-fee card that earns 2% on almost everything
- Anyone planning a large purchase or balance transfer who can use the 12-month intro APR
- Cardholders who want phone protection without paying for a separate plan
- Wallet builders pairing a flat-rate card with category cards, as in the Wells Fargo trifecta
Business owners should look at the Signify Business Cash Card instead, and frequent international travelers should pick a card with no foreign transaction fee.
How the Active Cash Card Compares
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The Citi Double Cash® Card earns 2% on every purchase as 1% when you buy plus 1% as you pay, along with 5% total cash back on hotels, car rentals and attractions booked with Citi Travel. The Active Cash Card earns its 2% upfront and adds cell phone protection.
The Signify Business Cash℠ Card is the business counterpart to Active Cash, with the same 2% rate on business purchases. For more flat-rate options, see our list of the best 2% cash back credit cards and our breakdown of flat-rate vs. rotating-category cards.
How Kudos Helps You Earn More Than 2%
A 2% card is a strong default, but some purchases earn more on a category card. The free Kudos browser extension recommends the best card in your wallet at online checkout and shows approval odds when you compare new cards.
Since the Active Cash Card rewards you for paying your phone bill with it, it is worth making sure that bill is as low as possible. Kudos Premium includes AI bill negotiation for bills like phone and internet, plus subscription tracking with one-tap cancellation.
Our Expert Takeaway
The Active Cash is a strong no-fee choice for personal spending: 2% on purchases, a 12-month intro APR and cell phone protection. Just keep its 3% foreign transaction fee in mind if you travel abroad.
It is not a business card. If you want to keep company expenses separate, the Signify Business Cash Card offers the same 2% rate on a business account.
Wells Fargo Active Cash Card FAQ
Is the Wells Fargo Active Cash Card a business credit card?
No. It is a personal credit card. Wells Fargo's business card with unlimited 2% cash rewards is the Signify Business Cash Card.
How does Active Cash cell phone protection work?
Pay your monthly cell phone bill with the card and you can get up to $600 per claim for covered damage or theft, with a $25 deductible and up to two paid claims in a 12-month period.
What is the Active Cash intro APR?
You get 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers, then a variable APR of 18.74%, 24.74% or 28.74%. Transfers must be made within 120 days to qualify.
Does the Wells Fargo Active Cash Card charge foreign transaction fees?
Yes. Wells Fargo charges 3% of each foreign transaction converted to U.S. dollars.
What is the Active Cash welcome bonus?
Wells Fargo currently offers a $100 cash rewards bonus after you spend $500 on purchases in the first 3 months.
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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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