Wells Fargo · Cash back · Visa
Wells Fargo Active Cash: what it's really worth
The Wells Fargo Active Cash has a no annual fee. For a typical household spending $2,070 a month, it's worth about $697 in year one and $497 each year after.
Annual fee$0
Sign-up bonus$200$200 after $500 in 3 mo
Net value · year 1$697
Net value · each year after$497
Is the annual fee worth it?
No annual fee — nothing to lose by keeping it open, which also helps your credit history.
How you earn
| Category | Rate | Value per $1 | Per year* |
|---|---|---|---|
| Dining | 2% | 2.0¢ | $72 |
| Groceries | 2% | 2.0¢ | $120 |
| Hotels | 2% | 2.0¢ | $19 |
| Flights | 2% | 2.0¢ | $24 |
| Gas | 2% | 2.0¢ | $36 |
| Streaming | 2% | 2.0¢ | $10 |
| Everything else | 2% | 2.0¢ | $216 |
*At typical monthly spending: dining $300, groceries $500, hotels $80, flights $100, gas $150, streaming $40, everything else $900.
Credits and perks
- Cell phone protection
- Foreign transaction fee: 3%
Who it's for
- Flat 2% back on everything — nothing to track
- An easy $200 bonus
- Not ideal: Use abroad (3% foreign transaction fee)
Can I get it?
- Recommended credit: Good
- Wells Fargo rules: Bonus and intro APR may be withheld if you opened another Wells Fargo card in the last 6 months.
- Visa: Accepted almost everywhere, including Costco warehouses (Visa only).
Check the current offer at Wells Fargo
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Updated Oct 30, 2026.