Wells Fargo Active Cash
Wells Fargo · Cashback review
Readers who want a flat 2% cashback card AND a 15-month 0% intro APR on both purchases and balance transfers — the dual-
Sorted by score, never commission
Annual fee
$0
No annual fee, every year
Ongoing APR
18.49%, 24.49%, or 28.49% variable
Variable — verify the current range at the issuer
Intro APR
0% on purchases and balance transfers for 15 months
Then the ongoing APR applies
As of July 15, 2026
Best for
Readers who want a flat 2% cashback card AND a 15-month 0% intro APR on both purchases and balance transfers — the dual-use case is rare at $0 AF.
Not for
Travelers (the 3% foreign-transaction fee is a non-starter abroad) and readers who don't trust Wells's broader bank reputation.
The catch
The 0% intro APR is the load-bearing feature, but balance-transfer fee is 3% (5% after 120 days). Stack the fee against your interest savings before transferring — small balances often don't pencil out.
Card facts
Sourced from the issuer's published Schumer Box and terms — confirm current numbers at the issuer.
Product specs
- Annual fee
- $0
- Intro APR
- 0% on purchases and balance transfers for 15 months
- Ongoing APR
- 18.49%, 24.49%, or 28.49% variable
- Foreign transaction fee
- 3%
- Balance transfer fee
- $5 or 3% (intro 120 days), then $5 or 5%
- Late payment fee
- Up to $40
- Schumer Box sourced
- July 15, 2026
How we scored this card
See our published methodology — 5 dimensions, 0–20 each, 100-point total.
Get an email when Wells Fargo Active Cash's offer changes.
We track Wells Fargo Active Cash's current offer and terms. We'll email you the moment they change — no checking back.
Frequently asked
Does the Wells Fargo Active Cash charge an annual fee?
No. The Wells Fargo Active Cash carries a $0 annual fee, sourced from the issuer's published Schumer Box as of July 15, 2026. Rates change — confirm the current terms at the issuer.
What APR does the Wells Fargo Active Cash charge?
18.49%, 24.49%, or 28.49% variable. There is also an intro rate: 0% on purchases and balance transfers for 15 months. APRs are variable and set by the issuer — confirm the current range on the issuer's Schumer Box before you commit.
Does the Wells Fargo Active Cash charge foreign transaction fees?
Yes — 3% per purchase made outside the U.S. Factor that in if you travel or shop internationally.
Who is the Wells Fargo Active Cash best for?
Readers who want a flat 2% cashback card AND a 15-month 0% intro APR on both purchases and balance transfers — the dual-use case is rare at $0 AF.
Who should skip the Wells Fargo Active Cash?
Travelers (the 3% foreign-transaction fee is a non-starter abroad) and readers who don't trust Wells's broader bank reputation.
How did ClearValue score the Wells Fargo Active Cash?
Wells Fargo Active Cash scored 86/100 — "Solid pick". We score every card across five dimensions (effective rewards, fee structure, audience fit, transparency, and the weakness named), 0–20 each. Scores are never influenced by commission. See our methodology for the full rubric.
Alternatives to the Wells Fargo Active Cash
Other cashback cards we've scored, ranked by our methodology.
- DiscoverCanon
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- Capital OneSolid pick
Capital One Quicksilver Secured
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- CitiSolid pick
Citi Double Cash
89/100Annual fee$0Ongoing APR17.49–27.49%Intro APR0% · 18 moBest forReaders who want one flat-rate no-fee cashback card and aren't interested in tracking categories
Fees sourced from issuer terms · 2026-07-15
