Wells Fargo · Good credit
Wells Fargo Active Cash
Flat 2% cash rewards on everything with no annual fee and cell phone protection.
Welcome bonus
$200 cash rewards bonus after $500 in purchases in the first 3 months.
Terms & pricing
- Annual fee
- $0Rates & fees
- Purchase APR
- 18.49%–28.49% variable APRRates & fees
- Intro APR on purchases
- 0% for 12 monthsRates & fees
- Balance transfer
- 0% for 12 months, 3% feeRates & fees
- Foreign transaction fee
- 3%
- Welcome bonus value (est.)
- $200Rates & fees
- Est. first-year value
- $500
- Est. ongoing annual value
- $300
Rewards (Cash back)
2% back on All Purchases
Benefits & protections
Cell phone protection
Protection · est. $60 / yr
Up to $600 per claim when you pay your monthly cell phone bill with the card.
What we'd flag
- 3% foreign transaction fee
- APR is tiered by creditworthiness
Where these numbers come from
Terms retrieved Sep 3, 2026 and verified Sep 3, 2026 by CardLoupe owner review.