Credit Card Reviews

Wells Fargo Active Cash Credit Card Overview

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There are many different cash back credit cards available in the market, each with a unique set of features and benefits. The Wells Fargo Active Cash Back Card offers various features and below we will delve into how it can benefit individuals who choose to carry it.


New cardholders can take advantage of a welcome offer when they sign up for the Wells Fargo Active Cash credit card. Currently, this offer includes a $200 cash back bonus after spending $500 on purchases within the first three months of account opening. Additional features include:

  • No annual fee.
  • 2% unlimited cash back on purchases with no categories or quarterly activations.
  • 0% intro APR for the first 15 months.
  • Cash rewards will not expire as long as the account remains open/active.
  • Zero liability for fraudulent charges.
  • Cell phone protection: This feature covers the card holder up to $600 of cell phone protection against damage or theft. Note: cardholders are subject to a $25 deductible.


Wells Fargo provides five options for redeeming rewards to its cardholders. Let’s explore these redeeming options in detail:

  • Redeem for purchases: Wells Fargo cardholders can redeem their earned cash back rewards in the form of a statement credit to their account, which helps lower their outstanding balance or future purchases.
  • Gift Card Redemption: Wells Fargo allows its cardholders to redeem their rewards points for gift cards at various retailers. A minimum of $25 in rewards is needed per gift card.
  • Redeem at ATM: To redeem for cash at an ATM, you’ll need to use a Wells Fargo ATM or debit card – if you have one. You can choose to withdraw in $20 increments.
  • Redeem to Account: This option allows card holders to redeem cash back rewards as a credit to a qualifying Wells Fargo credit card, checking account or mortgage.
  • Paypal: Wells Fargo offers the ability to link to your PayPal account, you can use your cash back rewards for purchases at millions of online stores that accept PayPal as a form of payment.
Ritz Carlton Geneva, a Marriott Bonvoy partner hotel.
Ritz Carlton Geneva, a Marriott Bonvoy hotel that is part of the Visa Signature Luxury Hotel Collection.

Travel Features

Wells Fargo active cash credit card is by no means a premier travel credit card like the Capital One Venture X or Chase Sapphire cards, however it does offer two travel features worth noting.

Visa Signature Concierge Service:

Wells Fargo active cash credit card holders also have access to the Visa Signature Concierge service. This service provides personalized assistance with travel planning and reservations, as well as recommendations for dining, entertainment.

Luxury Hotel Collection:

Luxury Hotel Collection — Active cash card holders have the option to search for a hotel associated with the Visa Signature Luxury Hotel Collection. Additional benefits to card holder include:

  • Guaranteed best available rates.
  • Automatic room upgrades upon arrival when available. 
  • Free WiFi.
  • $25 food and beverage credit.
  • Complimentary breakfast for two. 
  • Late check-out upon request when available & VIP guest status.


The Wells Fargo Active Cash Back Credit Card is an option for those looking to earn cash back on their everyday purchases. The 2% cash back feature with no annual fees is a nice perk and means you won’t have to keep track of what categories earn extra or fewer points – they all earn at the same rate (higher than most cash back cards for everyday purchases). However, for frequent travelers, the Wells Fargo Autograph Credit Card may be a better choice. Either way, this basic cash back credit card option does allow cardholders to capitalize on everyday purchases which can then be redeemed in various ways.

Editorial Note: Information and opinions articulated in this article are solely those of the author’s, not those of a credit card company, bank, airline or hotel chain. This article has not been reviewed or approved by or otherwise endorsed by any of these companies or organizations.

Miles Junkie covers airline miles, hotel points and credit card earning program information and travel in general with an eye towards ethical & eco-conscious exploration.

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