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The Active Cash earns 2.0X on all_purchases with a $0 annual fee. The current signup bonus is 20,000 points (worth $200 at portal rates) after $500 spend.
The Active Cash is a cashback rewards card from Wells Fargo that carries a no annual fee on the visa network. At its core it earns 2.0X cash back on everyday purchases, making it straightforward for cardholders who want predictable, consistent returns.
Cash-back seekers will appreciate the simplicity — every dollar spent converts directly to statement credits or deposits with no points math required. The Active Cash is best suited for cardholders who prioritize easy redemptions over maximum aspirational value.
Combined with the current signup offer of 20,000 points (worth ~$200), With no annual fee, there is virtually no downside to keeping this card long-term even as a backup. It adds to your credit history and earns rewards at zero ongoing cost.
The Active Cash has no annual fee, making it an excellent choice for anyone who wants rewards without a yearly cost. There is no break-even spending threshold to worry about — every dollar of rewards is pure value.
Signup Bonus Value
20,000 points cash back Points
Spend $500 in first 3 months
Cash / statement credit$200
Maximum value$200
Benefits
Auto Rental Collision Damage Waiver
Secondary
Secondary CDW, most rental vehicles
Visa Purchase Security
$10,000
Up to $10,000 per claim, 120 days
Visa Extended Warranty Protection
Secondary
Up to 1 additional year
Cell Phone Protection
$800
$800/claim, $25 deductible, 2 claims/yr
Travel Accident Insurance
$250,000
$250,000 AD&D
Visa Roadside Dispatch
Secondary
Dispatch service (cardholder pays)
Financial disclaimer: PointsPick is not a financial advisor. Credit card terms, APRs, and fees are set by Wells Fargo and subject to change. Verify all information on the issuer's website before applying.
You can apply for the Active Cash directly through Wells Fargo's website. The application takes about 5 minutes and requires your Social Security number, annual income, and housing payment information. Most applicants receive an instant decision.
Before applying, check if you are pre-approved on Wells Fargo's website — a pre-approval uses a soft pull and does not affect your credit score.
Most successful applicants have a credit score of 670 or higher. Higher scores significantly improve approval odds.
What is the current signup bonus for the Active Cash?
The current signup bonus is 20,000 points. Check the issuer's website for the latest offer details and spending requirements.
Does the Active Cash have a foreign transaction fee?
No. The Active Cash does not charge a foreign transaction fee, making it a good option for international purchases and travel abroad.
Can you transfer Active Cash rewards to airlines?
No. The Active Cash does not offer transfer partners. Rewards are typically redeemed as statement credits, direct deposits, or gift cards.
Active Cash vs Discover it Secured: which is better?
Both cards compete in the same category. The Active Cash and Discover it Secured each have strengths depending on your spending patterns. See our detailed comparison for a side-by-side analysis.
Methodology
This review draws on data from 35+ independent sources including official product pages, the CFPB Credit Card Agreements Database, community approval datapoints, expert point valuation sources, and our proprietary MCC verification database. Rankings are data-driven with no affiliate influence on placement. Card terms were last verified on March 08, 2026. Full methodology: www.pointspick.com/methodology.
