Wells Fargo Active Cash®

Issuer

Wells Fargo

Network

Visa

Regular APR

19.49%, 24.49%, or 29.49%

Credit Score

670 - 850 (Good - Excellent)

Rewards Rate Details

Earn unlimited 2% cash rewards on purchases

Intro Offer Details

Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

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