Wells Fargo Active Cash
The Wells Fargo Active Cash from Wells Fargo has no annual fee. At $2,650 a month of typical household spending it pays about $636 a year after fees, about the same as the Citi Double Cash, a flat 2% card.
Terms checked October 26, 2026. Net values use the spending mix of 1,229 U.S. households in the Bureau of Labor Statistics' Consumer Expenditure Interview Survey. This is an estimate, not financial advice.
What does the Wells Fargo Active Cash earn?
2% flat.
How much would it pay you a year?
This is the card's rewards minus its annual fee, at three spending levels, with spending split the way the survey households split theirs. Statement credits and sign-up bonuses are left out.
| Spending a month | Wells Fargo Active Cash | Citi Double Cash (2%) |
|---|---|---|
| $1,500 | $360 | $360 |
| $2,650 (the survey median) | $636 | $636 |
| $5,000 | $1,200 | $1,200 |
The mix is 30% everything else, 25% groceries, 16% phone and utilities, 13% dining, and smaller shares elsewhere. Your own split decides the real answer: add your statements to work it out on what you actually spent.
How did it do for real households?
We ran each of the 1,229 households in the 2024 survey through every card, on 12 straight months of their own spending. It was never the best of the 53 cards for any household, and never paid more than the Citi Double Cash, a flat 2% card. For the median household it paid about the same as the flat 2% card.
The survey records spending categories but not merchants, so merchant bonuses and statement credits never count there, which favors flat cards. How we ran the household test.
Fees and sign-up bonus
- Annual fee: $0.
- Foreign transaction fee: 3%.
- Sign-up bonus: $100 after $500 of spending in 3 months. Offers change and can differ by applicant, so check the issuer's page.
Other benefits
- Cell phone protection: up to $600 per claim, $25 deductible, 2 claims per 12 months
- Auto rental collision damage waiver: secondary coverage
- Roadside Dispatch: 24/7 towing/roadside help, you pay costs beyond 5 miles
- Visa Signature Concierge
- Visa Signature Luxury Hotel Collection: benefits only when booked via Visa Luxury Hotel Collection
Cards that pay about the same
At $2,650 a month, these pay closest to the Wells Fargo Active Cash:
- Citi Double Cash: $636 a year
- Citi Strata Premier: $657 a year
- Chase IHG Premier: $592 a year
- Amex Blue Cash Preferred: $582 a year
See what it would have paid you
Add your statementsFree, in your browser. Your statements are never uploaded.
PointMaxx runs a year of your own card statements against 53 U.S. cards, after annual fees, caps and the credits you'd really use. No statements on hand? The quick estimate asks seven questions instead.
Sources
- creditcards.wellsfargo.com/active-cash-credit-card/
- nerdwallet.com/article/credit-cards/wells-fargo-active-cash-card-2-percent-back-no-annual-fee
- Household spending: BLS Consumer Expenditure Surveys public-use microdata, 2024 Interview Survey.
See a wrong rate? Tell us. PointMaxx is not affiliated with or endorsed by Wells Fargo; the card's name is used only to say which card is meant.