The Wells Fargo Active Cash is a no-fee card that earns a flat 2% cash rewards on everything, with cell phone protection when you pay your phone bill with it. Figures are as of 2026; confirm current terms and welcome offers at the issuer.
What the Wells Fargo Active Cash earns
| Category | Rate |
|---|---|
| Everything | 2% cash rewards |
The perks and details
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The Active Cash earns a simple flat 2% on all purchases with no categories to track. Paying your monthly phone bill with the card adds cell phone protection against damage and theft, subject to a deductible and claim limits. It has no annual fee.
The fee math
With a $0 fee, the flat 2% is pure return from the first purchase, and there is nothing to activate or track. It works well as a simple everyday card, and its rewards can become more valuable if you pair it with a Wells Fargo card that opens access to transfer partners. Confirm current terms at the issuer.
Wells Fargo Active Cash
Earn rates and the fee are current as of 2026. Confirm the current welcome offer at the issuer before you apply.
Rewards account changes. Wells Fargo changed how Rewards accounts work in 2026: since June, points on separate cards are no longer combined automatically, and since September 25, 2026 you can no longer give points to another Wells Fargo customer or set up automatic redemptions. You can still move points between your own cards, per Wells Fargo as quoted by Frequent Miler.
Who it fits and who it does not
The Active Cash fits anyone who wants flat 2% with no annual fee and no category tracking, plus cell phone protection. It does not fit someone who wants premium travel perks like lounge access.
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FAQ
Does the Wells Fargo Active Cash have an annual fee?
No. The Active Cash has no annual fee, so the flat 2% is pure return. Confirm current terms at Wells Fargo.
Does the Active Cash include cell phone protection?
Yes, when you pay your monthly phone bill with the card, subject to a deductible and claim limits. Confirm current coverage at Wells Fargo.
Is the Active Cash or Autograph better?
The Active Cash gives flat 2% on everything; the Autograph gives 3x on several categories. Pick the Active Cash for simplicity, the Autograph for category earning. Confirm current terms at Wells Fargo.
Last reviewed October 2026. We verify every rule, ratio, and figure against issuer terms and current reporting, and date each one. See our editorial standards for how we research and correct guides.
We re-check these guides as issuer rules and award charts change. 2 ways to follow along, no account needed.