Wells Fargo Active Cash
True 2% cashback (Citi requires paying bill to earn second 1% — this one does not).
Use this page as a benchmark, not as a guaranteed quote or eligibility promise. The price, rate, fee, coverage, or feature set can change with location, customer profile, promotional timing, scope, and provider terms. Compare the current source disclosure before you buy or sign.
FairPrice Guru keeps the benchmark separate from the provider's marketing. A higher price is not automatically unfair when it buys more coverage or a better scope, and a lower headline price is not automatically better when fees, restrictions, or missing features change the real cost.
Price and terms
- Annual fee: $0
- Purchase APR: 19.24%–29.24%
FairPrice score: 82/100
Rewards
Flat 2% cashback on everything
Perks
- No annual fee
- 0% intro APR 12 months
- Cell phone protection
Pros
- Flat 2% with no earn-and-pay requirement
- Cell phone insurance included
- No annual fee
Cons
- 3% foreign transaction fee
- Shorter intro APR than Citi Double Cash
Best for
- flat rate cashback
- no annual fee
- cell phone protection
Official source · Last verified 2026-10-04