Wells Fargo Active Cash Card by Wells Fargo: 2% everything else. No annual fee. Rates and credits verified from issuer pages.
The Wells Fargo Active Cash Card is Wells Fargo's no-annual-fee credit card. The $0/yr annual fee includes a $100 cash welcome bonus after spending $500 in the first 3 months. Read first-party 2026-09-14 (in-app Chromium): "Earn a $100 cash rewards bonus when you spend $500 in purchases in the first 3 months". Change: was $200. Beyond the welcome bonus, here's what the card actually delivers.
Welcome bonus value (year one): ~$100. Annual statement credits: $0. Minus the $0 annual fee = ~$100 in year-one net value before any spending earn. RewardsGuru rating: 4.2/5 — based on our net-value methodology.
Best fit: someone building a long-term card portfolio without ongoing cost — the card stays open forever, padding average account age. Skip if: you want premium perks (lounge access, large statement credits, elite status); this card has none.
$100 cash back after spending $500 in the first 3 months.
Yes — there's no annual fee. The card stays open at zero ongoing cost, which makes it a good long-term hold for credit-history length.
Check the card's terms — most premium travel cards waive foreign transaction fees, while no-fee and entry-tier cards usually charge 2-3%. Wells Fargo's product page has the current rate.