Wells Fargo Active Cash
Every rate below is the issuer’s own, verified October 2, 2026.
Terms apply. See rates & fees on Wells Fargo. Rankings are pure math, never sold.
How it earns
Every rate here is the issuer’s published number. Points are valued at what this door can redeem them for: cash-back at the statement-credit rate, travel at the issuer’s travel rate.
What it pays at a typical spend
The family on our home page spends $800 a month on groceries, $200 on dining, $250 on gas, $100 on travel and $600 on everything else. Figures as of October 2, 2026, the day the terms were last verified.
At that spending the Wells Fargo Active Cash nets $568 in year one and $468 every year after, fee included. The biggest line is groceries, at $192. The welcome bonus counts, because this spending reaches $500 inside 3 months. For the family on our home page, it places fourth of the 12 cash back cards we’ve confirmed.
The Chase Freedom Unlimited, just above it among the confirmed cards, nets $19 more in year one. The Bank of America Customized Cash Rewards, just below it, nets $10 less. Judged on every year after the first instead, it places third of the 12 cash back cards we’ve confirmed.
Who it fits
It fits if
- You want one card for everything: 2x on every purchase with nothing to track.
- You want no annual fee.
Look elsewhere if
- You cannot put about $167 a month on it for 3 months: the $100 bonus pays nothing below $500.
- Your credit is fair or thin: approval usually needs good credit.
Plain facts
- Who gets approvedGood credit, around 670+. Typically ~good credit or better (estimate; issuer does not publish a score).
- The issuer’s terms governRates, fees and bonus conditions are set by Wells Fargo and change without notice. Confirm the current offer before you apply.
- Where these numbers came fromCollected by hand from Wells Fargo’s own published terms, last verified October 2, 2026. An automatic check re-reads that page every day. On October 19, 2026 all 5 of the figures it watches here were still printed there. How we check
What people ask about it
Is there a cap on what it earns?
No. Its rates apply to all of your spending, with no yearly cap.
How do you value the welcome bonus?
At the dollar figure the issuer states, $100, and only once your spending reaches $500 in 3 months.
What does it earn on each purchase?
2x on every purchase, with no categories to track.
Where it shows up
Every ranking and comparison with the Wells Fargo Active Cash in it, each computed the same way.
- Best card for diningAt $500 a month on dining, the rest of the spending unchanged, Robinhood Gold Card first, at $760 a year.
- Best card for groceriesCiti Double Cash first, at $668 in year one.
- Wells Fargo Active Cash vs Citi Double CashCiti Double Cash pays $100 more in year one, then the two pay the same.
- Wells Fargo Active Cash vs Chase Freedom UnlimitedChase Freedom Unlimited pays $19 more in year one, then Wells Fargo Active Cash pays $81 more every year after.
More cards like this
- Yearly fee $50Robinhood Gold CardRobinhood · for one card on everything, 3x
- Yearly fee $0Chase Freedom UnlimitedChase · for dining, 3x and 1.5x on the rest
- Yearly fee $0Bank of America Customized Cash RewardsBank of America · for your pick of gas, dining or travel, 3x
The three cash back cards beside this one on our list of every card. See every card