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 3 reviews mentioning reliable 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/ChaseSapphire · Aug 6, 2025
PositiveSummary of a Reddit comment
They have held the Wells Fargo 2% cash back card and had a mortgage with the bank, and report that everything has been fine with both.
Reddit · r/CreditCards · Oct 28, 2026
PositiveSummary of a Reddit comment
Has used the Active Cash for years without any problems, despite some people's dislike of Wells Fargo.
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.