Wells Fargo Active Cash
No-fee 2% flat — competitive with Citi Double Cash.
External link to Wells Fargo. We may earn a referral commission, at no cost to you.
5-year value calculator
How much Wells Fargo Active Cash actually pays you over time, net of annual fees.
Includes 40% in this card's boost category, 60% general spend.
Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.
Reward rates
What you earn back, by category.
$200 cashback after $500 in first 3 months
What you get
- 2% unlimited cashback on every purchase
- No annual fee
- 0% intro APR for 12 months
- Cell phone protection (up to $600/claim)
- Visa Signature concierge
Eligibility
These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.
Best SaaS to pay with the Wells Fargo Active Cash
The SaaS subscriptions where Wells Fargo Active Cash earns the most for you — ranked by net annual savings vs a default 3.5%-forex retail card. If your stack covers all six, the modelled savings stack to ≈ ₹2,43,270/yr.
Greenhouse
2% rewards on hr category — better than the 1% default.
Drift
2% rewards on crm category — better than the 1% default.
Vanta
2% rewards on engineering category — better than the 1% default.
Drata
2% rewards on engineering category — better than the 1% default.
WorkOS
2% rewards on auth category — better than the 1% default.
dbt
2% rewards on database category — better than the 1% default.
More cards in the US
Chase Sapphire Preferred
Chase
First-time travel-rewards card, sweet-spot earn rates
EXPRESS
American Express Gold
American Express
Heavy restaurant + grocery spenders ($1K+/mo on food)
Citi Double Cash
Citi
Set-it-and-forget-it 2% on everything