Wells Fargo Active Cash

Cuota anual: Sin cuota
Recompensas: 2% cash rewards on purchases
APR inicial: 0% for 12 months on purchases and qualifying balance transfers
APR regular: 18.74%, 24.74% or 28.74% variable
Bono de bienvenida: $100 after $500 spend in 3 months
Crédito que suele pedirse: Bueno
Tipo de tarjeta: Reembolso en efectivo (cash back)
Emisor: Wells Fargo
Red: Visa

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Condiciones revisadas el 26 de octubre de 2026 en el sitio del propio emisor. Fuente Las tasas y ofertas cambian; las condiciones finales están en la página del emisor.

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Reseña en inglés

Reseña de Wells Fargo Active Cash

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

Para quién es

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.

Quién debería evitarla

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.

Cómo sacarle el máximo

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.

Ventajas

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

Desventajas

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

Preguntas frecuentes

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.

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Wells Fargo Active Cash

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