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WiseIQ Editorial Team
Reviewed by certified financial experts  ·  Updated April 2026
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The Wells Fargo Active Cash® Card earns unlimited 2% cash rewards on all purchases with no annual fee — matching the Citi Double Cash on rate but adding a $200 cash rewards bonus after spending $500 in the first 3 months and a 0% intro APR for 12 months on purchases and qualifying balance transfers.

For most people choosing between 2% flat-rate cards, Active Cash is the better starting point: the $200 bonus is easy to earn, and the 0% intro APR gives you a year to pay down a large purchase interest-free.

Wells Fargo Active Cash® Card

$0 annual fee · 2% on everything · $200 bonus after $500 spend · 0% intro APR for 12 months

Apply Now →

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FeatureDetails
Annual Fee$0
Sign-Up Bonus$200 after $500 spend in first 3 months
Cash Back2% unlimited on all purchases
Intro APR0% for 12 months on purchases and qualifying balance transfers
Balance Transfer Fee3% intro (first 120 days), then up to 5%
Ongoing APR20.24%–29.99% Variable
Foreign Transaction Fee3%

✓ Pros

  • 2% on all purchases — no categories to track
  • $200 sign-up bonus after just $500 spend
  • 0% intro APR for 12 months on purchases
  • $0 annual fee
  • Cash rewards never expire

✗ Cons

  • 3% foreign transaction fee
  • 0% intro APR shorter than Citi Double Cash's 18-month balance transfer offer
  • No elevated category rates
  • 3% foreign transaction fee excludes international travelers

Wells Fargo Active Cash — $200 Bonus, 2% on Everything

$200 after $500 spend · 2% cash back · 0% intro APR · $0 annual fee

Apply Now →

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Frequently Asked Questions

Does Wells Fargo Active Cash have an annual fee?

No. The Wells Fargo Active Cash Card has a $0 annual fee.

What is the Wells Fargo Active Cash sign-up bonus?

Wells Fargo typically offers a $200 cash rewards bonus after spending $500 in the first 3 months. This is one of the easiest sign-up bonuses to earn.

How does Wells Fargo Active Cash compare to Citi Double Cash?

Both earn 2% on all purchases with no annual fee. Active Cash has a $200 sign-up bonus and 0% intro APR on purchases; Citi Double Cash has an 18-month 0% balance transfer APR. Active Cash is better for new cardholders; Citi Double Cash is better for balance transfers.

Does Wells Fargo Active Cash have a foreign transaction fee?

Yes. The Wells Fargo Active Cash charges a 3% foreign transaction fee, making it a poor choice for international travel.

What credit score do you need for Wells Fargo Active Cash?

Wells Fargo typically requires a good to excellent credit score — generally 670 or higher.

Sources & Methodology

WiseIQ's editorial team researches and fact-checks all content using primary sources. Our recommendations are based on independent analysis and are not influenced by advertiser relationships.

Last reviewed: April 3, 2026  |  How we rank products