01 · overview
Wells Fargo Active Cash
by Wells FargoCashback
$200 welcome bonus · 2% on everything else · $0 annual fee

Annual fee
$0
No fee
Sign up bonus
$200
After $500 in 3 mo
Credits
—
No tracked credits
Median FICO
715
Approved
Median income
$40,000
Approved
02 · earn & credits
Earn rates & credits
Earn rates
| Category | Rate |
|---|---|
Everything Else | 2% |
Statement credits
No statement credits tracked.
Intro APR
0% for 12 months on balance transfers
0% for 12 months on purchases
Then 18.49%–28.49% variable APR
03 · approval odds
Approval odds
Limited data — n = 4. Charts appear once we have 5+ data points. Submit yours to help. Log in to submit →
05 · reading
Further reading
By
Title
Read
CreditOdds
How to Close a Credit Card Without Tanking Your ScoreJun 11, 2026
13 min
CreditOdds
Credit Utilization Explained: How It Actually Works, the Carry-a-Balance Myth, and the Numbers That Move Your ScoreMay 2, 2026
13 min
CreditOdds
How Long Does It Take to Build Credit? Realistic Timelines from Zero to 800May 2, 2026
13 min
CreditOdds
Best No-Annual-Fee Cash Back Cards in 2026Feb 1, 2026
5 min