Wells Fargo Active Cash
By Alex Compton · Last verified
Flat 2% with cell phone protection thrown in.
Welcome Bonus
$100
≈$100 value
Spend Requirement
$500
in 3 months
Annual Fee
$0
3% FTF
Credit Score
670+
(Good)
Current offer note: $100 cash rewards; 48-month product-bonus restriction applies
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Apply now or wait?
Consider waitingThis card has offered $200 before; the current $100 is below its typical $200. Elevated offers have been rare lately, so waiting is a gamble.
Current offer
$100
All-time high
$200
Typical offer
$200
In place since
September 2026
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-09-04 | $100 | $500 in 3 mo | Bonus decreased: $200 → $100$100 public offer, down from $200; 48-month product-bonus restriction applies | Wells Fargo Active Cash product page and offer terms → |
| 2026-01 | $200 | $500 in 3 mo | Terms reconfirmed | Archive record · no attached snapshot |
| 2021-07 | $200 | $500 in 3 mo | Earliest recordLaunch | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
Recorded the public bonus decrease from $200 to $100 and added current introductory APR and protection terms.
Fields: currentOffer, offerHistory, benefits, pros, cons, ourTake, lastVerified
Wells Fargo Active Cash product page and offer terms →
Source checked 2026-09-04 · spot an outdated offer? Report a correction above.
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Earning Rates
- 2xAll purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Cell phone protection up to $600 per approved claim with a $25 deductible when the monthly bill is paid with the card
- ✦0% intro APR for 12 months on purchases and qualifying balance transfers; transfer fee applies
- ✦Secondary auto rental collision damage waiver
Why it earns its spot
- +Unlimited 2% cash rewards with no categories
- +2% plus phone protection for no annual fee
Where it costs you
- −3% FTF
- −Current $100 welcome offer is lower than the prior $200 offer
The Compound Verdict
The welcome offer fell from $200 to $100, but the long-term case is unchanged: a no-fee 2% floor with useful phone protection and a 12-month introductory APR period.
Head-to-Head Comparisons
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