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Credit card review
Wells Fargo Active Cash Card review
Best for: Set-and-forget spenders who want 2% on everything.
The zero-effort 2% card: unlimited 2% cash back on everything with no categories or activation — Motley Fool Money's 2026 Best Overall Credit Card — plus cell phone protection.
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Annual fee
$0
Rewards
Unlimited 2% cash rewards on all purchases
Intro APR
0% for 12 months (purchases and qualifying balance transfers)
Regular APR
18.49%, 24.49%, or 28.49% variable
Welcome offer
$100 cash rewards bonus after $500 spend in 3 months
Foreign transaction fee
3%
Wells Fargo's own page currently shows a $100 bonus; some review sites still list $200 — offers vary by channel and time.
Standout features
- Unlimited 2% on everything — zero management; Fool Money's 2026 Best Overall Credit Card.
- Up to $600 cell phone protection ($25 deductible).
- Visa Signature perks: 24/7 concierge, Luxury Hotel Collection, and a free FICO score.
Honest drawbacks
- 3% foreign transaction fee — poor choice abroad.
- No bonus categories — category spenders can earn more elsewhere.
- Balance-transfer fees aren't listed on the landing page — check Wells Fargo's Important Credit Terms before applying.
Visit Wells Fargo Active Cash Card →
Link goes directly to Wells Fargo Active Cash Card's own site. Card terms verified September 2026. Issuers change rates, fees, and welcome offers without notice — confirm current terms on the issuer's site before applying.
Sources
- Wells Fargo Active Cash (official) (checked Sep 2026)
- Motley Fool: Active Cash review (checked Sep 2026)
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