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
19.99% – 29.99% 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 June 29, 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
- 19.99% – 29.99% 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 verified
- June 29, 2026
How we scored this card
See our published methodology — 5 dimensions, 0–20 each, 100-point total.
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 June 29, 2026. Rates change — confirm the current terms at the issuer.
What APR does the Wells Fargo Active Cash charge?
19.99% – 29.99% 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 whether an honest weakness is 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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Fees sourced from issuer terms · 2026-06-29
- Capital OneSolid pick
Capital One Quicksilver Secured
89/100Annual fee$0Ongoing APR29.99%Foreign txn feeNoneBest forCredit-builders who want a secured card that reports to all three bureaus AND earns 1
Fees sourced from issuer terms · 2026-06-29
- Capital OneSolid pick
Capital One SavorOne Cash Rewards
89/100Annual fee$0Ongoing APRVariable*Foreign txn feeNoneBest forDining- and entertainment-heavy households that want 3% cash back on restaurants, entertainment, popular streaming, and
Fees sourced from issuer terms · 2026-07-08
