WELLS FARGO / CASH BACK
Wells Fargo Active Cashfees & costs
Flat-rate cash rewards with no annual fee. International purchases and certain account transactions carry separate charges.
U.S. consumer card · Reviewed
Fee breakdown
Published fees for the U.S. consumer product. Your offer or existing card agreement may differ.
| Annual membership | $0 per year. Source |
|---|---|
| Foreign transactions | 3% of the transaction amount in U.S. dollars. Source |
| Balance transfer | For the first 120 days: 3%, minimum $5. After that: up to 5%, minimum $5. Source |
| Cash advance | 5% of the advance, with a $10 minimum. Source |
| Late payment | Up to $40. Source |
| Other charges & APR | Review the issuer's current pricing disclosure for interest rates, transfer and cash-advance fees, late charges, and any installment-plan charges not listed above. Current offer and terms |
A foreign-transaction fee is separate from exchange rates, ATM charges or fees imposed by a merchant. Fee examples exclude these costs.
A SIMPLE EXAMPLE
$30 in yearly fees
With $1,000 in foreign purchases: $0 annual fee + $30 foreign-transaction fees = $30.
Illustration only. No interest, other fees, rewards or credits are included.
Try your own spending amount →What the card offers
Earn unlimited 2% cash rewards on eligible purchases, without rotating spending categories or quarterly activation. Rewards terms
When to compare it
Compare it for a straightforward domestic spending card. Look at both the rewards rate and the costs of any transfers you intend to make.
What to watch
The 3% foreign-transaction charge is higher than the 2% purchase reward. Introductory transfer pricing is time-limited and depends on eligibility.
Issuer sources & review notes
Reviewed October 13, 2026. These are direct issuer links. Published fees can change and offers can vary by applicant or channel. Before applying, use the current rates-and-fees disclosure for the offer you receive.
- Wells Fargo Active Cash: official card information
- Wells Fargo Active Cash: pricing and credit terms
FeeHQ provides general cost information, not personalized financial advice. We do not guarantee approval, benefits or savings.