Wells Fargo Active Cash Review (2022.8 Update: $200/$250 Offer)

Wells Fargo Active Cash Card Review

2022.8 Update: Besides the $200 offer online, there’s now a $250 offer in local branches. HT: DoC.

Application Link


  1. $200 offer: earn $200 after spending $1,000 in first 3 months.
  2. Earn 2% cash back on all purchases.
  3. $600 cell phone insurance: Pay your monthly cell phone bill using your eligible Wells Fargo Consumer Credit Card and get up to $600 (subject to a $25 deductible) protection against damage or theft.
  4. No annual fee.


  1. It has foreign transaction fee, so it's not a good choice outside the US.

Recommended Application Time

  1. We recommend you apply for this card after you have a credit history of at least two years and you are very comfortable with the credit card game.
  2. [6 month rule] You may not qualify for an additional Wells Fargo credit card if you have opened a Wells Fargo credit card in the last 6 months.


$200 offer is decent for a no annual fee card. There are quite a few no annual fee cards that offers 2% cashback on everything now, and this is yet another one. Citi Double Cash (DC) may be more worthwhile if you like 2% flat cashback.

Historical Offers Chart

Application Link

If you like this post, don't forget to give it a 5 star rating!

[Total: 8   Average: 4.8/5]
Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.