Wells Fargo Active Cash
Cardholders who want a straightforward flat-rate cash back card with a strong 0% intro APR window.
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Suggested credit
Good to excellent credit (typically 670+)
Annual fee
No annual fee (confirm current terms with Wells Fargo)
APR
Variable purchase and balance transfer APR — see current Wells Fargo terms; 0% intro APR window has historically applied to both purchases and qualifying balance transfers
Foreign transactions
Foreign transaction fee applies — better suited to domestic use
Overview
The Wells Fargo Active Cash is a no-annual-fee flat-rate cash back card that pairs a competitive earn rate with a lengthy 0% intro APR window on both purchases and qualifying balance transfers. That combination makes it a strong dual-purpose card: an everyday earner and a temporary tool for financing a planned purchase or paying down existing card debt.
Rewards
A single flat rate of unlimited cash rewards on all purchases, with no categories to track and no rotating enrollment.
Benefits
- 0% intro APR window on purchases and qualifying balance transfers on current terms
- Cell phone protection when the monthly bill is paid with the card, subject to deductible
- Cash rewards do not expire while the account is open
Pros
- · Simple, high flat-rate cash rewards
- · No annual fee
- · Strong intro APR offer on both purchases and balance transfers
Cons
- · Foreign transaction fee
- · No elevated categories for higher-earning spend types
- · Balance transfer fee applies to qualifying transfers
Approval guidance
Approval generally requires good-to-excellent credit and a limited number of recent inquiries.
Confirm current terms before applying. APR, welcome offers, rewards rates, and fees change frequently. The definitive source is the issuer's own product page. This overview is educational and reflects the card's typical structure, not a snapshot of any specific offer.
Reasonable alternatives
Frequently Asked Questions
Does the intro APR apply to balance transfers?
Current terms have applied the intro APR to both purchases and qualifying balance transfers made within a stated window from account opening, with a balance transfer fee assessed on the transferred amount. Confirm current terms with Wells Fargo before initiating a transfer.
Related resources
- How to use credit cards wisely
- Credit card utilization strategy
- How credit scores work
- Rewards credit card strategy
- Affiliate disclosure
Last updated 2025-01-05. Written by the UseYourCredit Editorial Team.