The Credit Ledger Card review
Wells Fargo Active Cash Card review
Wells Fargo · Visa
Best flat-rate 2% cash back card with no annual fee
| Annual fee | No annual fee |
|---|---|
| Welcome bonus | $200 cash rewards after $500 spend in 3 months |
| Rewards rate | Up to 2% cash rewards |
| Intro APR (purchases) | 0% intro APR for 12 months |
| Intro APR (balance transfers) | 0% intro APR for 12 months on transfers made within 120 days |
| Regular APR | 18.49% to 28.49% variable |
| Foreign transaction fee | 3% |
| Recommended credit | Good to Excellent (690-850) |
Rewards
- 2% cash rewards All purchases
Key perks
- Cellphone protection when you pay your monthly bill with the card
- Visa Signature Concierge
- No annual fee
- Access to My Wells Fargo Deals
Pros
- Unlimited flat 2% on every purchase with no categories to track
- No annual fee
- 0% intro APR on purchases and qualifying balance transfers
- Cellphone protection benefit
Cons
- Charges a 3% foreign transaction fee
- Balance transfer fee of 3% intro, then up to 5%
- No bonus categories for higher earning
- Redemption is simplest within the Wells Fargo ecosystem
The bottom line
Wells Fargo Active Cash Card scores 4.1 out of 5 in our rubric. Best flat-rate 2% cash back card with no annual fee. Current welcome offer: $200 cash rewards after $500 spend in 3 months.
Rates and offers verified 2026-07. Terms change often, so confirm the current details on the issuer's site before you apply.