Wells Fargo Active Cash

A no-fee 2% cash rewards card with a 0% intro APR on purchases and balance transfers for 12 months.

Who it's for

This card suits you if you want simple, flat cash rewards with no annual fee. You earn 2% cash rewards on purchases, with no categories to track. It also comes with 0% intro APR for 12 months on purchases and qualifying balance transfers, which helps if you have a big purchase coming up and want time to pay it off without interest.

Who should skip it

Skip it if you spend heavily in one category like groceries or dining, where a category card would earn more. Skip it for international travel, since foreign transaction fees apply. And remember that the 0% period ends: if you won't be able to pay the balance off within 12 months, interest at the regular rate will add up fast.

How to get the most from it

Make it your everyday card for purchases that don't earn more elsewhere. If you use the intro APR for a large purchase, divide the cost by 12 and set up autopay for that amount, so you finish before interest starts. Pay the full statement balance once the intro period is over. You can pair it with a grocery or dining card to cover your biggest categories.

Pros

• 2% cash rewards on purchases
• No annual fee
• 0% intro APR for 12 months on purchases and qualifying balance transfers
• No categories to track

Cons

• No bonus categories
• Foreign transaction fees
• Balance transfers usually carry a fee
• Regular APR applies after 12 months

Frequently asked questions

Is the Wells Fargo Active Cash worth it?

For a no-fee card, yes. A flat 2% is one of the best everyday rates you can get without an annual fee.

Active Cash or Citi Double Cash?

Both pay 2%. The Active Cash adds 0% intro APR on purchases for 12 months, which the Double Cash doesn't. The Double Cash has a longer intro APR on balance transfers.

Do you need a Wells Fargo account to get the Active Cash?

No. Anyone who meets Wells Fargo's credit requirements can apply.

What credit score do you need for the Active Cash?

Wells Fargo doesn't publish a minimum. It generally goes to people with good credit.