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Credit card · Wells Fargo
Last verified June 8, 2026

Wells Fargo Active Cash

$200 cash after just $500 in the first 3 months — one of the lowest spend bars of any card here. It earns an unlimited flat 2% on everything with no annual fee, so it stays useful long after the bonus posts. A clean, low-stress first or everyday card.

The deal

Spend $500 in the first 3 months

The walkthrough

  1. 01 Apply on the Wells Fargo site. A normal-to-good credit profile is usually enough; no business or premium underwriting.
  2. 02 The $500 over 3 months is easy to hit with ordinary spending — no need to manufacture purchases.
  3. 03 Pay the statement in full each month so 2% cash back isn't eaten by interest.
  4. 04 Redeem as a statement credit, then keep the card as your flat-2% base alongside any travel cards.

What to watch for

  • ! There's a 3% foreign transaction fee — don't use it on trips abroad.
  • ! Rewards are cash only; there are no airline or hotel transfer partners.
  • ! Wells Fargo limits how often you can open its cards — recent Wells Fargo accounts can trigger a denial.
Editorial note

Offers change frequently. BonusPrimer verifies every bonus monthly, but before you apply, confirm the current terms directly with the issuer. We are not a bank and do not decide approvals. Our methodology →