Wells Fargo Active Cash Card
The Wells Fargo Active Cash Card has no annual fee and earns 2% cash rewards on net purchases, with no categories to track 2. Its Guide to Benefits lists cell phone protection of up to $600 per claim, an auto rental collision damage waiver and pay-per-use Roadside Dispatch 3.
Contents11 sections
At a glance
| Annual fee | $02 |
|---|---|
| Foreign transaction fee | 3% Of each transaction converted to U.S. dollars2 |
| Rewards | Earns unlimited 2% cash rewards on net purchases, with no categories. |
| Rewards program | Wells Fargo Rewards |
| Network | Visa Signature |
| Issuer | Wells Fargo · Official card page |
What to know about the Active Cash
Earning is a flat rate: each $1 of net purchases, meaning purchases minus returns and credits, earns two cents in cash rewards 2. Cash advances and cash equivalents, balance transfers, fees, interest and gambling transactions earn nothing 2. Rewards do not expire while the account is open and can go to an eligible Wells Fargo checking or savings account, or toward gift cards, travel, donations and Pay with Rewards 2. Purchases converted to U.S. dollars carry a 3% foreign transaction fee 2.
Cell phone protection requires paying the monthly wireless bill with the card; coverage begins the first day of the calendar month after that charge posts 3. Each claim pays up to $600 after a $25 deductible, with at most 2 paid claims and $1,200 in any 12-month period 3. The guide excludes phones that simply go missing, cracked screens or cosmetic damage that leave the phone working, and tablets and smartwatches, and it calls the coverage supplemental to and excess of other valid insurance 3.
The auto rental collision damage waiver pays up to $50,000 for damage or theft when the entire rental is charged to the card and the rental company's collision coverage is declined 3. In the United States it is secondary to the renter's own policy; outside the country it is primary, and it does not apply in Israel, Jamaica, the Republic of Ireland or Northern Ireland 3. Rentals of up to 15 consecutive days at home and 31 abroad qualify 3.
Roadside Dispatch and Travel and Emergency Assistance arrange help but do not pay for it; roadside calls are billed to the cardholder at a set price 3. Because Active Cash is a Visa Signature card, the guide also lists Visa Signature Concierge and the Luxury Hotel Collection, whose perks, including a $25 food or beverage credit, apply only to stays booked through the Visa hotel site or the concierge 3.
Earning rewards
| Rate | On |
|---|---|
| 2% cash rewards | Net purchases (purchases minus returns/credits)Cash advances, cash equivalents, balance transfers, fees, interest and gambling transactions do not earn cash rewards.2 |
Cash rewards do not expire while the account is open. Redeem as a cash redemption to an eligible Wells Fargo checking or savings account or qualifying Wells Fargo credit product, for gift cards, travel, charitable donations, or Pay with Rewards at participating merchants.2
Travel insurance and assistance
| Rental car coverage | Auto Rental Collision Damage Waiver: up to $50,000 for damage or theft of the rental car. Secondary in the United States; primary outside the United States. Must pay the entire rental with the card and decline the rental company's collision loss/damage insurance. Rentals up to 15 consecutive days in the U.S. and 31 consecutive days outside the U.S.; not available in Israel, Jamaica, the Republic of Ireland or Northern Ireland.3 |
|---|---|
| Travel and emergency assistance | Travel and Emergency Assistance Services: 24/7 referral and assistance (medical and legal referral, emergency transportation, ticket replacement, lost luggage locator, translation, prescription assistance, pre-trip information). Assistance and referral only; the cardholder pays for any services or goods.3 |
| Roadside assistance | Roadside Dispatch: pay-per-use roadside assistance (towing up to 5 miles included in the service call, tire change, jump start, lockout, fuel delivery up to 5 gallons plus fuel cost, winching) at a pre-negotiated price per service call. Costs are paid by the cardholder; no membership or enrollment required.3 |
Purchase and phone protection
| Cell phone protection | Up to $600 per claim for damage, theft or involuntary and accidental parting of a cell phone; maximum 2 paid claims and $1,200 per 12-month period; $25 deductible per claim. Must pay the monthly wireless bill with the card. Lost (mysteriously disappeared) phones, cracked screens/cosmetic damage not affecting function are not covered. Coverage is supplemental to and excess of valid and collectible insurance or indemnity.3 |
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Travel perks
| Hotel benefits program | Visa Signature Luxury Hotel Collection: when booked through the Visa Luxury Hotel Collection site or Visa Concierge, benefits such as best available rate guarantee, room upgrade on arrival when available, complimentary Wi-Fi when available, breakfast for two, a $25 food or beverage credit, VIP guest status and late check-out on request when available.3 |
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Account features
| Zero fraud liability | Zero Liability Protection: not held responsible for promptly reported unauthorized transactions, subject to certain conditions.1 |
|---|---|
| Free credit score | Credit Close-Up: monthly FICO Score updates and personalized credit insights, complimentary to Wells Fargo Online customers who enroll.1 |
Other perks
| Visa Signature Concierge Services | Complimentary 24/7 Visa Signature Concierge for booking travel, event tickets, dinner reservations and more; cardholder pays for any goods or services arranged.3 |
|---|---|
| Emergency Cash Disbursement and Card Replacement | Emergency cash advance or card replacement within one to three business days (in some cases within 24 hours) after issuer approval, via Visa Global Customer Care Services; cash advance fees and interest apply.3 |
| My Wells Fargo Deals | Activate personalized merchant deals and earn cash back as an account credit when paying with an eligible Wells Fargo credit card; credit appears within 60 days of the qualifying transaction.1 |
Not listed for this card
The Wells Fargo pages and benefit terms we checked for the Active Cash do not list these benefits:
- Trip cancellation and interruption
- Trip delay
- Baggage delay
- Lost or damaged luggage
- Travel accident insurance
- Emergency evacuation and medical
- Purchase protection
- Extended warranty
- Return protection
- Airport lounge access
- Global Entry or TSA PreCheck credit
Some benefits come from the card network rather than the bank and are not always advertised. Your own Guide to Benefits, or the number on the back of the card, is the final word on what your account covers.
Sources
- 1 Wells Fargo, Wells Fargo Active Cash Card product page Checked Oct 10, 2026 · Back to text ↑
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