Is Wells Fargo Active Cash Card a Credit Card? A Complete 2025 Guide

If you’ve been asking yourself, “Is the Wells Fargo Active Cash Card a credit card?”, the short answer is: yes, it is a credit card and a highly competitive one at that. But beyond just labeling it a credit card, this guide will walk you through exactly what the Wells Fargo Active Cash® Card is, how it works, what sets it apart from other cards, and whether it’s the right choice for your financial needs.

Whether you’re considering applying or simply comparing your options, this article delivers a complete breakdown of the Wells Fargo Active Cash Card in 2025, including its features, benefits, drawbacks, and how it stacks up in the crowded credit card market.

What Is the Wells Fargo Active Cash® Card?

The Wells Fargo Active Cash Card is a Visa® Signature credit card issued by Wells Fargo Bank, N.A. It is designed for consumers seeking a simple, flat-rate cashback rewards program. The primary feature of this card is that it offers:

• Unlimited 2% cash back on all purchases

• No annual fee

• Introductory 0% APR period on purchases and qualifying balance transfers

In other words, the Wells Fargo Active Cash Card is a traditional unsecured credit card that provides a consistent cashback reward on every transaction you make—without the need for rotating categories or reward tracking.

So, to answer the main query:
Yes, the Wells Fargo Active Cash Card is absolutely a credit card. It’s not a debit card, charge card, or prepaid card. It’s a revolving credit product backed by a major financial institution and the Visa payment network.

Key Features of the Wells Fargo Active Cash Credit Card

Let’s break down the most important features that define this product as a full-fledged credit card—and why it stands out in today’s competitive rewards market.

1. Unlimited 2% Cashback on Every Purchase

Unlike many other credit cards that offer higher cashback rates only in specific categories, the Wells Fargo Active Cash Card offers:

• 2% flat cashback on everything, from groceries and fuel to online shopping and travel.

This makes it incredibly easy to use without thinking about where or when you’re spending.

2. No Annual Fee

The card comes with no annual fee, making it a great long-term card to keep open for:

• Building credit history

• Reducing average credit utilization

• Earning rewards without paying for the privilege

3. 0% Introductory APR Offer

At the time of writing (2025), the card typically includes:

• 0% APR on purchases and balance transfers for the first 15 months

• Followed by a variable APR based on your creditworthiness

This makes it attractive if you’re planning a large purchase or want to consolidate debt.

4. Visa Signature Benefits

As a Visa Signature card, you also receive:

• Auto rental collision damage waiver

• Travel and emergency assistance services

• Roadside dispatch

• Extended warranty protection

These perks are valuable for frequent travelers and online shoppers alike.

Is the Wells Fargo Active Cash a Good Credit Card for 2025?

For most consumers, yes. The Active Cash Card is a top-tier option among flat-rate cashback cards in 2025. If you’re someone who prefers simplicity over juggling rotating categories or complex points systems, this card may be perfect for your wallet.

Pros:

• Simple rewards structure

• Strong welcome bonus (typically $200 after spending $500 in 3 months)

• Introductory 0% APR

• No annual fee

• Visa Signature perks

Cons:

• Foreign transaction fee (typically 3%), making it less ideal for travel abroad

• No bonus categories for higher earnings

• Requires good to excellent credit (680+ typically recommended)

What Credit Score Is Needed for Wells Fargo Active Cash?

A common follow-up question to “is Wells Fargo Active Cash Card a credit card” is:
What credit score do you need to qualify?

The card is generally aimed at individuals with:

• Good to excellent credit, meaning a FICO score of 680 or higher

• A history of on-time payments

• A moderate debt-to-income ratio

• Stable income

Some applicants with scores in the 660–680 range have reported approvals, but these often come with lower starting credit limits or fewer promotional perks.

How to Apply for the Wells Fargo Active Cash Card

You can apply online through the official Wells Fargo website, in-branch, or over the phone. The online application process usually takes under 10 minutes and includes a soft pull pre-qualification tool in some cases.

What You’ll Need:

• Full name and contact info

• Social Security number

• Estimated income

• Housing status and monthly rent/mortgage

• Employment information

Once submitted, most applicants receive an instant decision, although some may require manual review.

Wells Fargo Active Cash vs. Other Popular Credit Cards

If you’re shopping around, here’s how the Active Cash stacks up against similar credit cards:

The Wells Fargo Active Cash Card wins for:

• Pure flat-rate cashback

• Strong intro APR and welcome bonus combo

• Ease of use

Can the Wells Fargo Active Cash Card Be Used for Business?

While the card is not marketed as a business credit card, some freelancers and sole proprietors do use it for business expenses. However, keep in mind:

• It does not build business credit

• Rewards and liabilities are tied to your personal credit report

• Wells Fargo offers dedicated business credit cards which may be a better fit

If you’re a small business owner looking to separate business and personal expenses, consider a Wells Fargo Business Platinum Credit Card instead.

Common Questions About the Active Cash Card

Is there a cash advance feature?

Yes. Like most credit cards, the Active Cash Card allows cash advances, but they come with:

• Higher APR

• Cash advance fees (e.g., $10 or 5%, whichever is greater)

Is it FDIC insured?

No. Credit cards are not FDIC insured because you’re borrowing money, not depositing it. However, any rewards earned or accounts tied to Wells Fargo banking products may be covered under FDIC.

Can you add authorized users?

Yes, and you can track their spending via the Wells Fargo online portal or mobile app.

What happens if you miss a payment?

• You may lose promotional APR benefits

• Late payment fees may apply (usually up to $40)

• It may impact your credit score if over 30 days late

Final Verdict: Should You Get the Wells Fargo Active Cash Card?

If you’re looking for a simple, powerful cashback credit card, the Wells Fargo Active Cash Card is one of the best flat-rate cards available in 2025.

It is 100% a credit card—offering credit limits, monthly statements, interest rates, and reward systems just like any traditional Visa card. What makes it stand out is how uncomplicated and rewarding it is, even for users who don’t want to constantly monitor reward categories.

Apply for this card if:

• You want 2% back on every purchase

• You prefer no annual fee

• You have good credit (680+)

• You want a strong intro bonus and 0% APR offer

Avoid this card if:

• You frequently travel internationally (foreign transaction fees apply)

• You prefer cards with rotating categories for higher returns in select areas

Conclusion

To wrap it up:
**Yes, the Wells Fargo Active Cash Card is a credit card—**and not just any credit card. It’s a top-tier option for flat-rate cashback rewards, particularly in 2025. With strong customer reviews, solid perks, and no annual fee, it’s hard to go wrong.

Looking to apply or compare other Wells Fargo credit products? Visit TechyMillion.co.uk regularly for more deep-dive reviews, expert comparisons, and financial guides that help you make smarter money moves.