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Pay 0% Interest Until Almost 2026 with This Incredible Cashback Card
Maximize your money with the Wells Fargo Active Cash® Card. Enjoy 0% interest until late 2025, giving you breathing room to pay down balances or finance large purchases. Plus, earn a flat 2% cash back on all purchases. Simplify your finances and boost your rewards, all with one powerful card.

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0%

Intro APR For 15 Months

Plus 0% intro APR on balance transfers for 15 months

2%

Cash back

Unlimited 2% cash back on all purchases

$200

Welcome Bonus

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

$0

Annual Fee

Cash back rewards with $0 annual fee

Why We Like This Card

  • 0% intro APR: No interest on purchases for 15 months from account opening
  • Flat Rate Cash Back: Earn unlimited 2% cash rewards on all purchases
  • Welcome Bonus: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
  • No Annual Fee: Cash back and other perks with $0 annual fee

Why This Card Stands Out

Not many cash-back credit cards earn 2% back on all purchases, so when a card joins the club, it’s a cause for celebration. The $0-annual-fee Wells Fargo Active Cash® Card has a lot to offer: unlimited 2% cash back on all purchases, a sign-up bonus, and a no-interest promotion on new purchases and balance transfers. Taken together, that's a value proposition that's difficult — if not impossible — to find on other cards in its class. It makes the Wells Fargo Active Cash® Card an ideal match for those who prefer the ease of using one card whenever they shop.

Who Can Benefit From This Card

This card provides 2% cash back on all purchases, so it can benefit a wide range of consumers. When it comes to redeeming your rewards, you’ll have the most flexibility if you already bank with Wells Fargo.

How To Apply For This Card

No Annual Fee & More

Annual fees may be the cost of entry for more premium rewards cards, but they do eat into these cards’ yearly value. The $0 annual fee makes this an easy card to hold onto for a long time. Other key perks include:

Cell phone insurance: If you pay your monthly phone bill with the Wells Fargo Active Cash® Card, it will cover up to $600 (up to twice per year) in the event of things like damage or theft. Note that this coverage is secondary to other insurance policies you may already have, including homeowners or renters insurance.

Visa perks: As a Visa card, the Wells Fargo Active Cash® Card grants you access to Visa Concierge, a service that assists you with travel or dining arrangements, event tickets and more. You also have access to the Visa Signature Luxury Hotel Collection, where you can book a stay at a selection of hotels and receive benefits like room upgrades, free breakfast, food and beverage credits, and more.

A long break from interest: The Wells Fargo Active Cash® Card gives you a long break from interest, which is helpful if you use the card to make a major purchase you want to pay off over time, or if you’d like to move debt away from a high-interest card.

Card Summary

There are no buts about it — the Wells Fargo Active Cash® Card is a smart choice among flat-rate credit cards. Its rich yet straightforward rewards rate means it can be ideal as either a single-card solution or as part of a multicard system, and it comes with incentives not usually found on other 2%-back cards. In short, it's hard to beat. That makes the Wells Fargo Active Cash® Card an ideal match for those who prefer the ease of using one card whenever they shop.

Not sure if the Wells Fargo Active Cash® Card is the right card for you? Check out our other excellent Nerd-reviewed cash back cards: