Cash-back card
Simple flat-rate catch-all with no annual fee and phone protection; redemption rules irk some.
A score out of 100 for how well reviewed a product is. It rises with positive reviews and with how many there are; negative and mixed reviews take points off.
So a handful of glowing reviews can’t beat a product lots of people like. No sponsored placements.
Topics grouped from customer reviews, with how many mention each; read the originals below.
Showing 33 reviews mentioning helpful support Show all
Reddit · r/ChaseSapphire · May 2, 2026
PositiveSummary of a Reddit comment
They have used the Active Cash 2% card for five years with no problems and good customer service on the few occasions they needed it, and use it for the bulk of their purchases.
Reddit · r/CreditCards · Aug 7, 2026
PositiveSummary of a Reddit comment
Rates Wells Fargo customer service near the top among several issuers.
Reddit · r/CreditCards · Oct 29, 2025
PositiveSummary of a Reddit comment
On their Active Cash card they spotted an unexpected fee, called the number on the back, and a Wells Fargo rep answered right away and explained it was a foreign transaction fee; they rate the support as good.
Reddit · r/CreditCards · Aug 7, 2026
PositiveSummary of a Reddit comment
Nine to ten months in with no issues and knowledgeable support.
Reddit · r/CreditCards · Aug 7, 2026
PositiveSummary of a Reddit comment
Wells Fargo caught fraudulent charges before they noticed, twice.
Reddit · r/CreditCards · Feb 6, 2026
PositiveSummary of a Reddit comment
US-based agents resolve issues within minutes.
Reddit · r/CreditCards · Feb 6, 2026
PositiveSummary of a Reddit comment
The one credit card issue was resolved without problem.
Reddit · r/CreditCards · Mar 2, 2025
PositiveSummary of a Reddit comment
No issue redeeming any amount as a statement credit.
Reddit · r/CreditCards · Oct 26, 2024
PositiveSummary of a Reddit comment
Can manually redeem Active Cash rewards at any amount.
Reddit · r/CreditCards · Apr 10, 2024
PositiveSummary of a Reddit comment
Generous limit increases and good reps who answer quickly.
Reddit · r/CreditCards · Apr 2, 2023
PositiveSummary of a Reddit comment
Upgrade from Cash Wise to Active Cash needed only a phone call and no hard inquiry.
Reddit · r/CreditCards · Apr 10, 2024
PositiveSummary of a Reddit comment
Great, easy 2 percent card with good customer service and nice WF Deals.
Reddit · r/CreditCards · Jan 26, 2023
PositiveSummary of a Reddit comment
Customer service is among the best for a large bank and the SUB was strong.
Reddit · r/CreditCards · Jan 26, 2023
PositiveSummary of a Reddit comment
Pretty happy with Wells Fargo after decades of banking.
Reddit · r/CreditCards · Jul 7, 2022
PositiveSummary of a Reddit comment
Got a higher starting limit on the Active Cash than a Citi Custom Cash.
Reddit · r/CreditCards · Jul 7, 2022
PositiveSummary of a Reddit comment
Instantly approved online with a good limit, unlike a slower Citi application.
Reddit · r/CreditCards · Jul 1, 2021
PositiveSummary of a Reddit comment
Product change to Active Cash by phone took about 10 minutes and kept history and card number.
Reddit · r/CreditCards · Jul 1, 2021
PositiveSummary of a Reddit comment
Switched to Active Cash through the Wells Fargo website.
Reddit · r/CreditCards · Aug 15, 2024
PositiveSummary of a Reddit comment
Cash back redeems as a statement credit in any amount.
Reddit · r/CreditCards · Apr 10, 2024
PositiveSummary of a Reddit comment
Product changed from a college card with no complaints and disputes are usually accepted.
Reddit · r/CreditCards · Mar 9, 2024
PositiveSummary of a Reddit comment
Nothing bad to say about Wells Fargo, which helped in the pandemic and watched for suspicious activity.
Reddit · r/CreditCards · Jan 16, 2024
PositiveSummary of a Reddit comment
Cell phone protection claim was easy and paid the maximum benefit.
Reddit · r/CreditCards · Jun 6, 2023
PositiveSummary of a Reddit comment
Wells Fargo has decent customer service.
Reddit · r/CreditCards · Jan 26, 2023
PositiveSummary of a Reddit comment
Zero issues with Wells Fargo since getting the card.
Reddit · r/CreditCards · Oct 16, 2021
PositiveSummary of a Reddit comment
Requested product change gave 2 percent and other benefits.
Reddit · r/CreditCards · Oct 15, 2021
PositiveSummary of a Reddit comment
Automatic upgrade to Active Cash almost doubled the limit.
Reddit · r/CreditCards · Jul 19, 2021
PositiveSummary of a Reddit comment
Switching to Active Cash took five seconds under their own login.
Reddit · r/CreditCards · Jul 15, 2021
PositiveSummary of a Reddit comment
Applied in a branch, was accepted on the spot and started earning right away.
Reddit · r/CreditCards · Jul 8, 2021
PositiveSummary of a Reddit comment
In-app product change kept the card number and the new card arrived in days.
Reddit · r/CreditCards · Jul 1, 2021
PositiveSummary of a Reddit comment
Switching to Active Cash online clearly shows what changes and what stays.
Reddit · r/CreditCards · Jul 1, 2021
PositiveSummary of a Reddit comment
Product change to Active Cash by phone worked, same card number.
Reddit · r/CreditCards · Jul 1, 2021
PositiveSummary of a Reddit comment
Product change to Active Cash had no credit pull and kept all history.
Reddit · r/CreditCards · Jun 30, 2021
PositiveSummary of a Reddit post
Phone product change from Cash Wise to Active Cash was done quickly.
Customers mostly like it as a simple flat-rate catch-all with a solid sign-up bonus, no annual fee and cell phone protection. Product changes from other Wells Fargo cards were easy. Complaints include redemption rules, such as increments and the removed check option, low credit limits and weaker customer service for some.
Of the 125 reviews with a clear verdict, 69% are positive, 15% mixed and 16% negative. The praise mentioned most is great rewards. The most common complaint is poor support.
The praise reviewers mention most: great rewards (16 reviews), helpful support (8 reviews) and reliable (3 reviews). For example: Product changed Cash Wise to Active Cash and uses it as the catch-all card with no regrets.
The complaints reviewers mention most: poor support (9 reviews) and buggy app (1 review). For example: Application verification without a banking relationship was a nightmare, though smooth afterwards.
It's how well reviewed Wells Fargo Active Cash is, out of 100. Negative and mixed reviews take points off, and so does having only a few reviews: a product needs plenty of them, compared with the most-reviewed products here, to reach the high 80s and 90s. It's worked out from reviews only, needs at least 5 of them, and updates as new ones come in.
Category: Cash-back card. Type: Flat-rate cash-back credit card. Fees: $0 annual fee. Rates & rewards: Unlimited 2% cash rewards on purchases; 0% intro APR for 12 months on purchases and qualifying balance transfers.
#7 in Best-Reviewed Cash-Back Credit Cards 2026, ranked by real customer reviews.
125 are quotes from Reddit, each linked to the original. Customer reviews are checked for spam before they appear. Every review, written here or quoted, is read as positive, mixed or negative.