Active Cash
Wells FargoNo annual feeVisa Signature3% foreign transaction feeIssuer's page
Wait for a bigger offer if you can: a higher one ran recently.
Already have it? Keep it.
Welcome bonus
$100
after $500 in purchases in the first 3 months
Lower than the $200 offer we last recorded in September 2026.
1/6 Rule, 5/24 Rule and 2 more. Am I eligible?
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus$100 cash | $100 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | $0 |
| Annual fee | $0 |
| Meeting the $500 minimumearns 2% here, the same as Double Cash | $0 |
| First year | $100 |
| Each year after | +$75 |
Not counted in the first year: protections (each year after counts them).
With an Autograph Journey: $335 a year
Earning
| Rate | Category | Return |
|---|---|---|
| 2% | Everything else | 2% |
Personal card · Earns Wells Fargo Rewards
Benefits
Protections (2)
- Cellular Telephone Protection, up to $600, Up to $600 per claim, $1,200 per year with $25 deductible. Excludes cosmetic damage.
- Auto Rental Collision Damage Waiver (secondary), up to $50,000, Up to $50,000 for collision damage and theft. Secondary in US, primary internationally.
Other Perks
- Visa Signature Concierge
- Visa Signature Luxury Hotel Collection
- Roadside Dispatch emergency assistance
- Travel and Emergency Assistance Services
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to Active CashOct 8, 2026
- changed from null to cash_backSep 30, 2026
- changed from cashback to transferableSep 25, 2026
- changed from transferable to cashbackSep 25, 2026
- changed from $200 Cash Back after $500 spend in the first 3 months. to $100 after $500 spend in the first 3 monthsSep 23, 2026
- changed from Wells Fargo Autograph Journey Card to Wells Fargo Autograph Journey Card; Wells Fargo Autograph Card; Wells Fargo Premier Autograph Visa Infinite CardSep 16, 2026
- changed from Pair with a Wells Fargo Autograph Journey card to convert cash rewards to transferable Wells Fargo Rewards points. to Pair with a Wells Fargo Autograph, Autograph Journey, or Premier Autograph card to convert cash rewards to transferable Wells Fargo Rewards points.Sep 16, 2026
- changed from null to 500Aug 13, 2026
- changed from null to 90Aug 13, 2026