Wells Fargo Active Cash Review: The New Cashback Contender
Wells Fargo Active Cash Review: The New Cashback Contender
The Wells Fargo Active Cash entered the 2% cash back arena and quickly became a top contender. Here’s why it might beat the competition.
Active Cash vs. Citi Double Cash
| Feature | Active Cash | Double Cash |
|---|---|---|
| Rewards | 2% | 2% |
| Annual Fee | $0 | $0 |
| Welcome Bonus | $200 | $200 |
| Cell Phone Protection | Yes ($600) | No |
| Balance Transfer | 15 months | 18 months |
| Foreign Transaction Fee | 3% | 3% |
Winner: Active Cash (cell phone protection is valuable)
Who Should Get It
Yes if:
- You want a simple 2% card
- You pay your cell phone bill monthly
- You don’t want to track categories
- You want a strong flat-rate foundation
No if:
- You travel internationally (3% FTF)
- You want maximum rewards (category cards beat 2%)
- You already have a 2% card you’re happy with
Last updated: January 2026 Affiliate disclosure: ShortcutBest may earn a commission when you apply through our links.
Last updated: January 9, 2026
Affiliate disclosure: ShortcutBest may earn a commission when you apply through our links. This doesn't affect our recommendations — we only suggest cards we'd use ourselves.