Wells Fargo
Wells Fargo Active Cash
Wells Fargo Active Cash costs No annual fee and earns up to 2× on everyday spending. Everything below comes from the card catalog we check against issuer terms, with the arithmetic spelled out.
Enter a typical month of spending to see what the Wells Fargo Active Cash returns after its fee next to three cards it is usually compared with, then take those numbers to the full credit card rewards calculator to weigh up everything else in your wallet. No signup, and it runs in your browser.
- Annual fee
- No annual fee
- Best earn rate
- 2× everyday spending
- Points value
- 1¢ a point
- Cash back value.
- Welcome bonus
- 100 points
- About $1 if you redeem at 1¢ a point, and only if you clear the spending requirement.
- Foreign transaction fee
- 3%
Is the Wells Fargo Active Cash right for you?
Enter a typical month. You will see what the Wells Fargo Active Cash returns after its annual fee, next to three cards it is usually compared with, and the full credit card rewards calculator weighs up everything else you spend.
Estimated rewards per year, after the annual fee
Wells Fargo Active Cash Top for your numbers
1× everything else. No annual fee.
Rewards $502 · No annual fee
+$502
3× dining, 3× groceries; 1× everything else. No annual fee.
Rewards $457 · No annual fee
+$457
3× dining, 3× groceries; 1× everything else. No annual fee.
Rewards $457 · No annual fee
+$457
+$376
How we estimate
- Every rate on this page comes from the card catalog. Wells Fargo Active Cash pays 2× on spending outside the bonus categories listed above, and up to 2× on everyday spending.
- We value this card's points at 1¢ each. Cash back is valued at 1¢.
- Net is a year of rewards minus the annual fee. Credits count only when you tick the box.
- Welcome bonuses are left out of the tool so the numbers read as an ordinary year.
- Rent is not in the boxes: most landlords charge a fee that cancels out the rewards, and only a few cards earn on rent at all. Add rent in the full calculator, where those rules are modelled.
- Travel-portal bookings are not in the boxes, because portal prices differ from booking direct. The portal rates are in the table above.
- Rates checked with issuers in October 2026. Terms change, so confirm with the issuer before you apply. Educational estimate, not financial advice.
One category doesn’t pick a wallet. Add the rest of your monthly spending to see which cards win across everything, fees included.
Find your best wallet for all your spending →{"focus":"","inputs":[{"key":"dining","prefill":"dining","noun":"dining"},{"key":"groceries","prefill":"groceries","noun":"groceries"},{"key":"gas","prefill":"gas","noun":"gas"},{"key":"transit","prefill":"transit","noun":"transit"},{"key":"streaming","prefill":"streaming","noun":"streaming"},{"key":"drugstores","prefill":"drugstores","noun":"drugstores"},{"key":"travel","prefill":"airfare","noun":"travel"},{"key":"other","prefill":"other","noun":"everyday spending"}],"path":"/credit-card-rewards-calculator","picks":[{"key":"wells-fargo-active-cash","name":"Wells Fargo Active Cash","fee":0,"cpp":0.01,"base":2},{"key":"capital-one-savor","name":"Capital One Savor","fee":0,"cpp":0.01,"base":1,"earn":[{"inputs":["dining"],"rate":3},{"inputs":["groceries"],"rate":3},{"inputs":["streaming"],"rate":3}]},{"key":"capital-one-savor-student","name":"Capital One Savor Student","fee":0,"cpp":0.01,"base":1,"earn":[{"inputs":["dining"],"rate":3},{"inputs":["groceries"],"rate":3},{"inputs":["streaming"],"rate":3}]},{"key":"chase-freedom-rise","name":"Chase Freedom Rise","fee":0,"cpp":0.01,"base":1.5,"credits":25}]}What comes with it
Welcome bonus
100 points
About $1 if you redeem at 1¢ a point, and only if you clear the spending requirement.
Points and partners
Cash Back
No
Airlines
Air France-KLM, Avianca, British Airways, Aer Lingus, Iberia, Virgin Atlantic
Hotels
Choice Privileges
Where this data came from
Checked creditcards.wellsfargo.com 2026-10-05. No annual fee. Unlimited 2% cash rewards on all purchases and a $100 cash rewards bonus after $500 in 3 months. 3% foreign transaction fee. The card pays cash rewards rather than points and is not transferable, so the row no longer claims Wells Fargo Rewards points with airline and hotel transfers.
FAQ
The Wells Fargo Active Cash has no annual fee, so the only thing that matters is what it earns. Its best rate is 2× on everyday spending.
It depends on your mix, not the card. Earning alone will not cover the fee: this card pays the same rate as its rivals in the categories most people use. It has to be worth it through credits, the welcome bonus, or a transfer partner you would use. Run your own numbers in the calculator above to see where it lands against the rest of the catalog.
The listed welcome offer is 100 points, and offers at these cards change often, so confirm the current terms and the spending requirement with the issuer before you apply. At 1¢ a point that is about $1, before you count the annual fee and whether you would clear the spending requirement for it.
No. The Wells Fargo Active Cash earns Cash Back that you redeem for statement credit or shopping rather than transferring to a partner, so its realistic value is about 1¢ a point. Airlines: Air France-KLM, Avianca, British Airways, Aer Lingus, Iberia, Virgin Atlantic. Hotels: Choice Privileges.
Yes: 3% on purchases made abroad, on top of anything the merchant charges. On a Wells Fargo Active Cash that can wipe out the bonus rates, so check the numbers before you rely on it overseas.
Related: Full rewards calculator