Wells Fargo Active Cash Card
A Wells Fargo Visa card with no annual fee. Here's what it pays back after that fee for three spending profiles, simulated month by month. Terms verified Oct 5, 2026.
What it's worth
5 years, the welcome offer counted when the profile's own spending reaches it, rewards valued as cash. Merchant credits like Uber or DoorDash aren't counted for typed profiles.
| Profile | Year 1 | Then yearly | 5 years |
|---|---|---|---|
| Everyday spender About $2,000 a month, mostly groceries and errands, one trip a year. | $574 | $474 | $2,470 |
| Balanced About $3,500 a month with a few trips a year and regular dining out. | $895 | $795 | $4,075 |
| Frequent traveler About $5,000 a month, heavy on flights, hotels and restaurants, some trips abroad. | $1,120 | $1,020 | $5,200 |
Your spending isn't one of our profiles. Drop in a year of statements and see where the Wells Fargo Active Cash ranks against every card we track. They're read on this device and never uploaded.
Terms
| Term | Wells Fargo Active Cash |
|---|---|
| Issuer and network | Wells Fargo, Visa |
| Annual fee | None |
| Requires | Nothing extra |
| Welcome offer | $100 after $500 in 3 months |
| Earning | 2% on everything else |
| Rewards currency | Cash back |
| Statement credits | None |
| Lounges | None |
| Foreign transaction fee | 3% |
| Authorized users | No fee |
| Availability | Open to new applicants |
| Verified | Oct 5, 2026 |
Checked against the issuer's page. Dates and sources for each part.
Fine print
- APRs are 18.74%, 24.74% or 28.74% variable (prime 7.00% plus 11.74/17.74/21.74), from terms marked correct as of September 2026.
- Balance transfers: 0% for 12 months on transfers requested within 120 days of opening. The intro BT fee is 3% (min $5) for 120 days, then up to 5% (min $5). Cash advance fee is $10 or 5%, and the cash advance APR is 29.74%.
- Earns 2% cash rewards (2 cents per $1) on net purchases, with no cap. Rewards don't expire while the account is open. They can be redeemed as a deposit to Wells Fargo checking or savings, a credit to the card, Pay with Rewards at PayPal, or gift cards.
- Secondary sources (AwardWallet) say Active Cash cash rewards can be combined with a points-earning Wells Fargo card (Autograph or Autograph Journey) and then transferred to partners.
- No product change is listed because this card already has no annual fee. Wells Fargo allows switching between its consumer Visa cards in online banking.