Is the Wells Fargo Active Cash Card worth a spot in your wallet?

The honest math on the Wells Fargo Active Cash Card: which credits you'd actually use, what its points earn beyond a plain 2% card, and what its protections would cost to buy.

Wells Fargo · No annual fee · cash back

Earning rates

2x Unlimited cash rewards on every purchase

Protections and perks (2)

Cell Phone Protection — Up to $600 per claim for damage or theft when you pay your monthly cell phone bill with the card ($25 deductible).
Auto Rental Collision Damage Waiver — Collision/theft coverage on rentals paid with the card, up to $50,000 — secondary to your personal auto policy in the US, primary outside the US.

Card data verified against Wells Fargo on 2026-08-20.

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