CardSleuth
← Back to explorer
62

Wells Fargo Active Cash Card

Wells Fargo Bank, National Association

Top-25 issuerNationalVariable · PrimeCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
18.49–28.49%
Annual fee
None
0% intro
13 mo
0% transfer
13 mo
Foreign fee
3%
Grace period
25 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
—
≤619
28.49%
620–719
28.49%
720+
24.49%
Lowest offered18.49%
Median28.49%
Highest offered28.49%

Introductory purchase APR

Promotional window: 13 months

The intro rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered0%
Median0%
Highest offered0%

Balance transfer APR

Promotional window: 13 months

The transfer rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered0%
Median0%
Highest offered0%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered29.49%
Median29.49%
Highest offered29.49%

Every fee on this card

Annual feeNone
Balance transfer feeCharged (amount not reported)
Cash advance feeCharged (amount not reported)
Foreign transaction fee3%
Purchase transaction feeNone
Late fee—
Over-limit feeNone
Minimum finance charge$1
Balance computationAverage daily balance including new purchases

Late fee policy: The fee will be either $29 or the amount of your Minimum Payment, whichever is lower. For any other late payment within a rolling six billing cycle period, the late fee will be either $40 or the amount of your Minimum Payment, whichever is lower.

Rewards, benefits and features

Rewards
  • Cashback rewards
  • Travel-related rewards
  • Other rewards
Services
  • Access to Free Credit Scores
  • Discounts on purchases of goods and services (non travel related)
  • Other
Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)
  • Other

Issuer note: Pay with Rewards through PayPal Redeem for Gift Cards Redeem for Statement Credits Redeem for Purchases Redeem for Travel

Who can get this card

AvailabilityNational
Membership requirementsOpen to the public
Phone1-800-642-4720
Balance transfer calculator
Stay put — 13 mo at 24%$650
Transfer feenot reported
Promo interest at 0.00%$0
Net savingunknown

This issuer reports that a transfer fee applies but did not report the amount, so the net saving cannot be calculated. Assumes you pay the balance down evenly across the 13-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 28.49% afterwards.

Cost to carry a balance
Interest for a year at 28.49%$854.70
Annual / periodic fees$0
Total yearly cost$854.70

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.

Cardholder agreements

28 documents filed by Wells Fargo Bank, National Association in the 2026 Q1 archive.

All 28 agreements

More from this issuer