Wells Fargo Active Cash® Card
Wells Fargo Active Cash credit card (2% cash back and cell phone protection)Public welcome offer: $100 cash back
Spend $500 in eligible purchases in the first 3 months. The source checked the public official site on 2026-09-11; offers may differ by application channel and eligibility. Application-page terms control.
12-MONTH WELCOME OFFER HISTORY
Past-year welcome offer history and recorded ranges
Source-recorded reduced public offer ($100 cash back / $500 spending requirement)
Browsing date (your device): . The browsing date is not a new verification date. Entries below retain their original recorded dates.
View past-year welcome offer details5 records
Decision considerations
The source records a stable $200 public cash-back offer for most of 365 days, requiring $500 in 3 months. It records a 50% reduction to $100 on 2026/9/6. Readers not urgently needing a simple 2% cash-back card may consider waiting for a possible return to $200, which is not guaranteed. Premier clients can ask a branch about client-specific offers.
| Period | Welcome offer | Spending requirement | Status and notes |
|---|---|---|---|
| 2025/09/16–2025/12 | $200 cash back | $500 in the first 3 months | Public standard offer: spend $500 in the first 3 months to earn $200 cash back, valued at $200. The source separately records a $500 Premier-client offer. |
| 2025/12–2026/03 | $200 cash back | $500 in the first 3 months | Public standard offer: $200 cash back with a $500 spending requirement in 3 months. |
| 2026/03–2026/06 | $200 cash back | $500 in the first 3 months | Public standard offer: $200 cash-back baseline. |
| 2026/06–2026/09/05 | $200 cash back | $500 in the first 3 months | Public standard offer: the $200 cash-back baseline through 2026/9/5. |
| 2026/09/06–present (browsing as of )Original record: 2026/09/06–2026/09/16 (source check date)Current record | $100 cash back (reduced public reward) | $500 in the first 3 months | Public offer reduction: the source records Wells Fargo lowering the public welcome reward from $200 to $100 on 2026/9/6, with the requirement unchanged at $500 in 3 months and an estimated value of $100. |
Card features and benefits
- Earn unlimited 2% cash rewards on purchasesEarn unlimited 2% cash back on purchases across categories, without tracking bonus categories.
- Cellular Telephone Protection (Up to $600)The source lists cell phone protection, uncommon on a no-annual-fee card: pay the monthly cell phone bill with this card for up to $600 in damage or theft coverage, with a $25 deductible per claim.
- 0% Intro APR for 12 MonthsReceive a 0% introductory APR on purchases and eligible Balance Transfers in the first 12 months after account opening.
- My Wells Fargo DealsActivate My Wells Fargo Deals in online banking, similar to Amex Offers, for additional statement credits at designated shopping and dining merchants.
- No Annual FeeNo annual fee. The source recommends the card for simple everyday use and long-term holding because of its rewards, cell phone protection and welcome spending requirement.
Protections and benefits
- Auto Rental Collision Damage WaiverRental collision coverage: pay the entire rental cost with this card for coverage of vehicle damage or theft under the applicable benefit terms.
- Travel and Emergency Assistance ServicesCall the assistance line for global medical and legal referrals and emergency assistance when unexpected situations arise during international travel.
- Roadside Dispatch®Request 24/7 roadside dispatch for towing, tire assistance, fuel delivery or similar breakdown needs. Services are charged per use, without a membership requirement.
- Emergency Cash & Card ReplacementThe source lists replacement for a lost card as soon as 1-3 business days, or an emergency cash advance with issuer approval. Applicable interest and fees apply to cash advances.
- Zero Liability Protection & Credit Close-Up®Receive $0 fraud liability protection and complimentary Credit Close-Up to track the FICO® score monthly without affecting the credit rating.