Mainstream

Wells Fargo Active Cash

Wells Fargo・Visa・No.029

The 2% card with the lowest sign-up spend — $500 spend gets you $200.

✓ Verified · 2026-07-16

🎁 $200 (spend $500 in 3 months)

✓ Annual fee, APR and foreign-transaction fee verified against the issuer on 2026-07-16. Welcome offers change often — always confirm the current offer on the issuer's site.

Reward highlights

2% on all purchases
No annual fee
Lowest bonus spend threshold

Who it's for

Best for a simple 2% card with an easy bonus to hit.

Good for

Cash back

Key benefits

Flat 2% cash rewards on all purchases
Cell phone protection when you pay your bill with the card
No annual fee
Low sign-up spend requirement

Rates & fees

APR and fees are illustrative — confirm current terms on the issuer's site.

Frequently asked questions

Does the Wells Fargo Active Cash card have an annual fee?

No, it has no annual fee.

Does it charge foreign transaction fees?

Yes, it charges a foreign transaction fee, so avoid using it abroad.

Who is this card best for?

Best for anyone who wants a simple flat 2% back with no categories to track and an easy welcome bonus.