Wells Fargo Active Cash

Spend $500 on purchases within your first 3 months of opening the account and you'll receive a one-time $200 cash rewards bonus added to your rewards balance.

Every purchase earns a flat 2% cash rewards rate with no cap, no rotating categories, and no activation required. Rewards can be redeemed as a statement credit, a deposit to a qualifying account, or other options.

Get 24/7 access to roadside help — including towing, jump-starts, flat tire changes, and lockout service — with no membership or pre-enrollment required. Call the dispatch number when you need help and pay a per-use fee for services rendered.

If your card is lost, stolen, or damaged while you're away, you can get a replacement card or an emergency cash advance. Both are typically available within 1–3 business days, and sometimes within 24 hours, after your issuer approves the request.

Book stays at select upscale hotels through the Visa Signature Luxury Hotel Collection portal to access perks such as room upgrades, complimentary breakfast, and late checkout. Benefits vary by property, so check at the time of booking.

Covers damage or theft of a rental car up to $50,000 when you pay for the full rental with your Active Cash card. Decline the rental company's collision damage waiver at the counter to use this benefit. Coverage is secondary to your personal auto insurance unless you have none.

If unauthorized charges appear on your account due to loss, theft, or fraud, you won't be held responsible for those transactions. Report any suspicious activity promptly so Wells Fargo can investigate and remove qualifying charges.

Covers repair or replacement costs if your cell phone is damaged, stolen, or lost. Pay your monthly wireless bill with your Active Cash card to activate coverage. Each claim is capped at $600 (up to $1,200 per year), with a $25 deductible and a maximum of 2 paid claims per 12-month period.

Get 24/7 phone-based help connecting you to emergency and assistance resources when you're traveling away from home. Services include medical and legal referrals, emergency message relay, lost luggage help, translation, and prescription assistance. You pay the actual cost of any services arranged; this benefit covers the referral and coordination only.

As a Visa Signature cardholder, you have around-the-clock access to a personal concierge who can help with travel bookings, restaurant reservations, event tickets, and more. Call the number on the back of your card to connect with an agent anytime.