Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). In some cases, we receive a commission from our partners; however, our opinions are our own. Terms apply to offers listed on this page.
The information for the following product(s) has been collected independently by Business Insider: Chase Freedom Flex℠. The details for these products have not been reviewed or provided by the issuer.
The
There's a lot to like about the
Wells Fargo Active Cash Card Review
The
It starts you off with a
With the
If you opt for the
Wells Fargo Active Cash Card Benefits and Features
Since this is a no-annual-fee card, there aren't a ton of flashy benefits. But it does come with a couple of perks that can save you money and make your life easier.
Introductory 0% APR on purchases and balance transfers
New cardholders are eligible for a
This isn't the longest intro APR Wells Fargo offers (that honor goes to the
Cell phone protection
Pay your phone bill with your card and you'll become eligible for cell phone protection coverage. This benefit is worth up to $600 per claim against damage or theft, although a $25 deductible applies. There's a maximum of two claims per 12-month period.
24/7 Concierge Service
The Visa Signature Concierge can help you make travel or dining plans or provide other types of personal assistance. This benefit is offered for free 24 hours a day.
Emergency card disbursement and card replacement
If your credit card is lost or stolen, this protection can replace your card in as little as 24 hours.
Roadside dispatch
This benefit includes a phone number you can call for pay-per-use assistance when you're on the road. For example, you can call roadside dispatch for help with a flat tire, tire changes, or lockout service.
Travel and emergency assistance services
This benefit is offered 24 hours a day, and it comes in the form of an assistance hotline. You can use this hotline to get help with medical or legal referrals, emergency transportation assistance, emergency translation services, and more. The service itself is complimentary, but you're responsible for any third-party costs.
Access to the Visa Signature Luxury Hotel Collection
Cardholders can book through the Visa Signature Hotel Collection (a credit card hotel booking program) and receive additional perks, including:
When you make a reservation through Visa Signature Hotels, you're automatically entitled to the following:
- Room upgrade upon arrival, when available
- Free in-room Wi-Fi
- Late check-out upon request, when available
- Complimentary breakfast for two
- A $25 food or beverage credit
Wells Fargo Active Cash Card Rewards
Wells Fargo Active Cash welcome bonus offer
New cardholders can earn a
It's also similar to offers on comparable cards like the
How to earn cash rewards with the Wells Fargo Active Cash Card
With this card, you'll earn 2% cash rewards on purchases with no rewards category limitations or quarterly activation. This means you can use it for your purchases and earn this flat rate of rewards for each dollar you spend.
It doesn't get any more simple than that, which is one of the biggest upsides of this card.
How to use rewards from the Wells Fargo Active Cash
Rewards earned with the card belong in the Wells Fargo Rewards program, which means you can redeem them in several ways. For example, you can:
- Redeem to cover purchases charged to your card in amounts starting at $1 in rewards
- Redeem for statement credits to a Wells Fargo mortgage, loan, or credit product account
- Redeem at a Wells Fargo ATM in increments of $20, although you'll need a Wells Fargo debit card to do so
- Cash in your rewards for gift cards
- Use your rewards to book travel, including airline tickets
This kind of flexibility is good news for consumers who want more than one way to redeem their cash rewards. However, you should note that a few of the redemption options available are only for Wells Fargo customers, including payments to Wells Fargo loan products and cash rewards at a Wells Fargo ATM.
Wells Fargo Active Cash rewards expiration
Your cash rewards won't expire as long as your card is open and in good standing (meaning paid on time). If you're late with a payment, you won't be able to redeem rewards until your account isn't delinquent.
And, if you close your account, be sure to redeem your rewards before doing so. You'll forfeit any rewards in your account if you close it, unless you have another Wells Fargo Rewards card.
Wells Fargo Active Cash Annual Fee and Other Costs
The
There are some other additional fees to keep in mind:
- Foreign transaction fee
- Balance transfer fee
- Cash advance fee
- Late payment fee
Compare the Wells Fargo Active Cash Card
Citi Double Cash vs Wells Fargo Active Cash
If you're considering this card, you'll want to also look at its closest competitor, the
That earning structure already puts the
For a deeper dive into the differences between these cards, check out our Citi Double Cash vs Wells Fargo Active Cash card comparison.
Chase Freedom Unlimited vs Wells Fargo Active Cash
If you don't mind juggling a few bonus categories, the
Plus, you'll earn 5% cash back on travel booked through the Chase Ultimate Rewards, 3% cash back on dining, 3% cash back at drugstores, and 1.5% cash back on everything else, with no limits. So if you spend a lot on travel, restaurants, and drugstores, you could earn more rewards with this card. It also offers a
Best cards to pair with the Wells Fargo Active Cash Card
This card's strength is its 2% cash rewards rate across the board, which makes it great to use for purchases that don't earn a bonus with other cards. The best strategy is to pair it with another that earns a high rate of rewards in categories where you spend the most.
For example, if you spend a lot on groceries, gas, and online shopping, you could pair the card with the
Alternately, you could consider pairing with the
Wells Fargo Active Cash Card Frequently Asked Questions (FAQ)
Is the Wells Fargo Active Cash card a good credit card?
If you're looking for a straightforward no-annual-fee card with strong cash rewards on purchases, this is a very good credit card. Few cards match its 2% cash rewards rate, and while it isn't jam-packed with benefits, it comes with a few handy perks that can save you money.
However, if you prefer a card with a few more bells and whistles, or you're looking to earn a higher rewards rate in specific categories (such as groceries or gas), a different cash-back card could be in order. You can read our guide to the best cash-back credit cards for all the top options.
Is the Wells Fargo Active Cash card hard to get?
To qualify for this card, you'll need at least a good credit score, which means a FICO score of at least 670. If your score isn't quite where it needs to be, have a look at the best credit cards for average credit and our list of the best credit cards for bad credit. Some of these cards earn rewards, too.
What is the Wells Fargo Active Cash card?
The
Is the Wells Fargo Active Cash made of metal?
No, it's not a metal card. It's made of plastic, like most other cards.
Why you should trust us: How we reviewed the Wells Fargo Active Cash Card
Insider's credit cards team evaluated the card in comparison to similar no-annual-fee cards that earn cash rewards. We looked at several factors, including:
- Ease of use — Are the rewards from the card easy to earn and redeem, and are there various options for using rewards? Are there any spending caps or other limitations?
- Earning potential — How do the card's earning rates compare to similar cards in the same category? If there are bonus categories, do any of them have a spending cap, and do they apply to typical everyday spending?
- Perks — While most cards of this type are fairly no-frills, does the card come with benefits that similar cards lack? For example, cell phone protection, travel insurance, or a strong intro APR offer?
You can find out more about Insider's methodology in our how we rate credit cards guide.