Looking to earn cash back on your everyday purchases? Wells Fargo has some great options for you. Their cash back credit cards are simple, effective, and offer excellent rewards for a variety of spending habits.
In this post, we’ll review the best Wells Fargo cash back credit cards available in 2025. From cards that offer a flat cash back rate to those with bonus categories, we’ll help you find the right one for your needs.
Best Wells Fargo Cash Back Credit Cards
Wells Fargo offers a few standout cash back credit cards. These cards give you the chance to earn cash back on every purchase, with some offering higher rates in specific categories. Here’s a breakdown of the best options available.
Wells Fargo Active Cash® Card
The Wells Fargo Active Cash® Card is one of the best options for earning simple, reliable cash back. It offers 2% cash back on every purchase—no need to track categories. Whether you’re buying groceries or booking a flight, you’ll earn the same high rate.
There’s no annual fee, which is a big plus for those looking to keep things simple.
Key Features:
- 2% cash back on every purchase.
- 0% intro APR for 15 months on purchases and balance transfers.
- $200 bonus after spending $500 in the first 3 months.
If you want a straightforward card with no special categories, this one is hard to beat.
Wells Fargo Cash Wise Visa® Card
The Wells Fargo Cash Wise Visa® Card offers 1.5% cash back on all purchases. But it gets even better. For the first 12 months, you can earn 5% cash back on purchases made using a digital wallet like Apple Pay or Google Pay.
It also comes with no annual fee, and the 0% intro APR offer can help you save money if you need to carry a balance.
Key Features:
- 1.5% cash back on most purchases, 5% on digital wallet purchases.
- 0% intro APR for 15 months on purchases and balance transfers.
- $150 bonus after spending $500 in the first 3 months.
This card is perfect for those who make a lot of mobile payments and want to earn extra rewards.
Wells Fargo Propel American Express® Card
The Wells Fargo Propel American Express® Card isn’t a pure cash back card, but it offers some great rewards for those who spend on travel, dining, and streaming. You earn 3 points per dollar on these categories and 1 point per dollar on other purchases.
You can redeem your points for cash back, which makes this card versatile if you want flexibility with your rewards.
Key Features:
- 3 points per dollar on dining, travel, and streaming services.
- 1 point per dollar on other purchases.
- 0% intro APR for 12 months on purchases and balance transfers.
- $200 bonus after spending $500 in the first 3 months.
If you enjoy traveling, eating out, or watching streaming content, this card offers plenty of rewards.
Why Choose Wells Fargo Cash Back Credit Cards?
Wells Fargo’s cash back cards come with several benefits that make them stand out from other options on the market. Here are a few reasons why you might want to choose one of these cards.
1. No Annual Fees
Many of Wells Fargo’s cash back credit cards come with no annual fees. This means you can keep earning rewards without paying a yearly cost just to have the card.
2. Introductory APR Offers
Some Wells Fargo cash back cards offer 0% intro APR on purchases and balance transfers for a set period. This can be useful if you plan to make large purchases or transfer high-interest balances.
3. Simple Cash Back Options
Unlike some other cards that have rotating categories, Wells Fargo’s cards like the Active Cash® Card offer flat-rate cash back. This makes it easier to keep track of your rewards and doesn’t require you to manage bonus categories.
How to Choose the Right Wells Fargo Cash Back Card
Choosing the right card depends on your spending habits. Here’s how you can decide which card is best for you:
1. Evaluate Your Spending
If you spend a lot on dining, travel, or entertainment, the Wells Fargo Propel American Express® Card might be the best fit. But if you prefer a flat-rate cash back card, the Wells Fargo Active Cash® Card is a good option.
2. Look at Introductory Offers
If you need to carry a balance or plan to make a large purchase soon, the 0% intro APR offers on many Wells Fargo cards can help you save money on interest charges.
3. Think About Earning Potential
For those who make frequent digital wallet purchases, the Wells Fargo Cash Wise Visa® Card is great for maximizing rewards, thanks to its 5% cash back on mobile payments during the first year.
Comparison of the Best Wells Fargo Cash Back Credit Cards
Here’s a quick comparison of the best Wells Fargo cash back credit cards:
| Card Name | Cash Back Rate | Intro APR Offer | Annual Fee | Sign-Up Bonus | Best For |
|---|---|---|---|---|---|
| Active Cash® Card | 2% on all purchases | 0% for 15 months | $0 | $200 after spending $500 | Simple, flat-rate rewards |
| Cash Wise Visa® Card | 1.5% on most purchases, 5% on digital wallets | 0% for 15 months | $0 | $150 after spending $500 | Mobile payment users |
| Propel American Express® Card | 3 points on dining, travel, and streaming | 0% for 12 months | $0 | $200 after spending $500 | Travelers, diners, and streamers |
Conclusion
Wells Fargo offers some of the best cash back credit cards available in 2025. Whether you prefer a simple, flat-rate card or one that offers higher rewards in specific categories, there’s something for everyone.
Consider your spending habits, take advantage of the intro APR offers, and choose the card that fits your lifestyle best. You can earn valuable cash back rewards without worrying about annual fees, making Wells Fargo cards an excellent choice for most consumers.
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FAQs
1. Can I redeem my cash back for statement credit?
Yes, with most Wells Fargo cash back cards, you can redeem your cash back for statement credit or direct deposit into your account.
2. How do I earn 5% cash back with the Wells Fargo Cash Wise Visa® Card?
You can earn 5% cash back on purchases made through select digital wallets like Apple Pay or Google Pay, but only during the first 12 months.
3. Are there any annual fees on Wells Fargo cash back cards?
No, most of Wells Fargo’s cash back cards do not charge an annual fee.
4. Can I use my Wells Fargo rewards for travel or gift cards?
Yes, with certain Wells Fargo cards, you can redeem your cash back for travel rewards, gift cards, or even merchandise.
5. How do I apply for a Wells Fargo cash back credit card?
You can apply for a Wells Fargo cash back credit card online through their website or by visiting a Wells Fargo branch.
