What is the annual fee for the Wells Fargo Active Cash?

The Wells Fargo Active Cash has no annual fee.

What is the best category to use the Wells Fargo Active Cash for?

The Wells Fargo Active Cash earns 2x on All Purchases, making it the strongest earning category for this card.

What is the Wells Fargo Active Cash welcome bonus in 2026?

The Wells Fargo Active Cash currently offers a welcome bonus of 20,000 points after spending $500 in the first 3 months.

Does the Wells Fargo Active Cash charge foreign transaction fees?

Yes, the Wells Fargo Active Cash charges a 3% foreign transaction fee on purchases made outside the United States.

Wells Fargo Cash Rewards Visa

Wells Fargo Active Cash

Issued by Wells Fargo

Annual Fee

Base Rate

All Purchases

20k

Welcome Bonus

Track Wells Fargo Active Cash Free View on Issuer Site

Earning Categories

All Purchases

Current Welcome Bonus

20,000 points

Est. value: $2

Spend $500

Within 3 months

Year 1 net value: +$2 (bonus − annual fee)

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Maximize Your Wells Fargo Cash Rewards Points

Program Overview

Wells Fargo Cash Rewards is the cashback rewards currency for Wells Fargo cashback credit cards, including the Active Cash card. Points redeem at a fixed 1¢ per point toward statement credits, gift cards, or merchandise. There are no transfer partners and no complex redemption optimization — the value is always 1 cent per point. Best for: consumers who want straightforward cashback with no category optimization. The Active Cash earns unlimited 2% on all purchases, making it a strong flat-rate cashback card.

Earning Tips

Wells Fargo Active Cash: 2% unlimited cashback on all purchases — one of the best flat-rate cashback cards available. No annual fee. Wells Fargo Reflect and Attune cards earn varying cashback rates by category. Check the specific card for category multipliers. Tips: - Active Cash is best used as a catch-all card for purchases that don't have a higher bonus category elsewhere - Cash back is earned as rewards points (1 point = 1¢) redeemable as statement credit or transfer to a Wells Fargo checking/savings account

Redemption Tips

Redemption options (always 1¢/point): - Statement credit: most common use - Wells Fargo checking/savings account deposit - Gift cards - Merchandise (same 1¢ rate) No optimization needed — all redemption methods are equal value. Statement credit or checking account deposit is the most convenient.