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Wells Fargo · credit
Last updated
Welcome offer — $200 cash rewards bonus after $500 spend in 3 months Verified by source
Intro APR — 0% on purchases & qualifying balance transfers for 12 months, then the variable APR Inferred by source
Apply on Wells Fargo's siteOfficial issuer page (not an affiliate link yet) · how we earn
Typically needs good credit (670–739) — guideline, not a guarantee · Set your credit profile
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What this card delivers across six value dimensions (0–100, normalized).
| 2× | Every purchase Verified by source |
|---|
No lounge access.
| Rental car CDW | Secondary in US, primary outside US; up to $50,000; max 15 consecutive days domestic, 31 days international; must pay entire rental with card and decline rental company's collision insurance; excludes exotic/antique vehicles, vans, trucks, motorcycles; not available in Israel, Jamaica, Republic of Ireland, or Northern Ireland Verified by source |
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| Cell phone protection | Up to $600/claim, $25 deductible; max 2 claims per 12-month period, up to $1,200/year; covers damage and theft (not loss or cosmetic damage); monthly wireless bill must be paid with card Verified by source |
Using WF Active Cash at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | Either $10 or 5% of each cash advance, whichever is greater Inferred by source |
|---|---|
| Cash advance APR | Up to 29.99% variable APR (no grace period) Estimated by source |
| Foreign ATM | Cash advance plus the 3% foreign transaction fee — and the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
*Realized/net assume full use of non-spend-gated credits — an upper bound. †First-year net adds the one-time sign-up bonus (counts once, not recurring). Personalize it
The Wells Fargo Active Cash® Card has no annual fee.
The Wells Fargo Active Cash® Card earns 2% cash rewards on everything.
No — the Wells Fargo Active Cash® Card does not include airport lounge access.
Yes — the Wells Fargo Active Cash® Card charges a 3% foreign transaction fee.
$200 cash rewards bonus after $500 spend in 3 months. Welcome offers change frequently — confirm the current one on the issuer's page before applying.
The Wells Fargo Active Cash® Card has a purchase APR of 18.49%, 24.49%, or 28.49% variable. Intro offer: 0% on purchases & qualifying balance transfers for 12 months, then the variable APR.