Wells Fargo Active Cash
Wells Fargo · Visa · no annual fee · earns cash back.
Rates checked against the issuer 2026-08. Foreign transaction fee: 3% of each purchase abroad.
The short version
- Best at: nothing in particular — no category puts it in the top three of the catalogue.
- A year's rewards: about $529, with no fee to pay.
- Weighing it up against: Double Cash.
Is the annual fee worth it?
No annual fee, so everything it earns is kept: about $529 a year on the illustrative household's spending, which puts it number 11 of 38 the no-fee cards in the catalogue. All of them, ranked.
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What it earns, category by category
| Earns on | Rate | Conditions |
|---|---|---|
| Everything else | 2% |
Where a year's rewards come from
| Spending on | Earns a year |
|---|---|
| Groceries | $120 |
| Everything Else | $120 |
| Restaurants & Bars | $72 |
| Gas Stations | $36 |
| Online Shopping | $36 |
| Utilities | $36 |
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
Protections and travel benefits
From the issuer's own benefit summary as of 2026-09. These are read from summaries rather than the full guide to benefits, which has the exclusions — check it before relying on one.
- Cell phone — up to $600 per claim
What the issuer lists besides rewards
- Cell phone protection when you pay your monthly bill with the card
- Cell phone claims pay up to $600 each and $1,200 a year, after a $25 deductible
Similar cards
- U.S. Bank Altitude Go — annual fee none
- Goldman Sachs Apple Card — annual fee none
- Wells Fargo Attune — annual fee none
- American Express Blue Cash Everyday — annual fee none
- Every cash back card, ranked
- The best two- and three-card combinations
Point values: published industry valuations. How every number here is worked out.
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