Wells Fargo Active Cash®
Issuer
Wells Fargo
Network
Visa
Regular APR
19.49%, 24.49%, or 29.49%
Annual Fee
$0.00
Intro Offer
$200.00
Rewards Rate
2% Cashback
Recommended Credit Score
670 - 850 (Good - Excellent)
Pros
✅ 0% intro APR for 12 months on purchases and balance transfers
✅ No annual fee
✅ $200 cash rewards bonus after spending $500 in first 3 months
✅ Simple 2% cash rewards on all purchases
✅ Cell phone protection (up to $600, with $25 deductible)
✅ Multiple cash redemption options (checks, deposits, ATM withdrawals)
Cons
❌ High regular APR after intro period (19.49% - 29.49%)
❌ 3% foreign transaction fee
❌ Balance transfer fees (3% for first 120 days, then 5%)
❌ No bonus rewards categories
❌ Limited redemption options compared to travel cards
❌ Not eligible if you've received the bonus in past 48 months
Combinations
Fee-Free Rewards All-Stars
🏆 310 $0.00 0
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