Wells Fargo Active Cash Credit Card Ranking:

 

Rewards Program (30 points)

• Points, Miles, or Cash Back Rates (15 points):
  The Wells Fargo Active Cash Card offers unlimited 2% cash back on all purchases, which qualifies as a moderate earning rate.
  Score: 12 points

• Redemption Flexibility (10 points):
  The card allows for flexible redemptions, including statement credits, cash back, or toward qualifying purchases, providing decent redemption options.
  Score: 10 points

• Rewards Expiration and Transfer Options (5 points):
  Wells Fargo rewards do not expire as long as the account is active. However, there are no options to transfer rewards to travel partners or other programs.
  Score: 3 points

 

Total for Rewards Program: 25/30

 

Welcome Offer (20 points)

• Value (15 points):
  The Wells Fargo Active Cash Card offers a welcome offer of $200 after spending $500 within the first 3 months. This is a moderate-value welcome offer.
  Score: 12 points

• Ease of Earning (5 points):
  The $500 spending threshold within 3 months is easily attainable for most users.
  Score: 5 points

 

Total for Welcome Offer: 17/20

 

Fees (10 points)

• Annual Fee (6 points):
  There is no annual fee for the Wells Fargo Active Cash Card.
  Score: 6 points

• Foreign Transaction Fees (4 points):
  The card charges a 3% foreign transaction fee, which is considered high.
  Score: 0 points

 

Total for Fees: 6/10

 

APR and Financing Options (15 points)

• Introductory APR (5 points):
  The card offers a 0% introductory APR on purchases and qualifying balance transfers for 15 months.
  Score: 5 points

• Standard APR (5 points):
  The standard APR ranges from 20.24% to 32.24%, which is on the high side.
  Score: 1 points

• Balance Transfer Options (5 points):
  The card charges a standard balance transfer fee (3%-5%) with moderate APR after the intro period.
  Score: 3 points

 

Total for APR and Financing Options: 9/15

 

Cardholder Benefits (15 points)

• Travel Benefits (5 points):
  The card offers minimal travel benefits and charges foreign transaction fees, so it is not geared towards travelers.
  Score: 1 point

• Purchase Protection and Insurance (5 points):
  Offers basic protections, including cell phone protection, which is a valuable perk for a no-fee card.
  Score: 4 points

• Other Perks (5 points):
  The cell phone protection is a standout benefit, offering up to $600 in coverage for a phone damaged or stolen when the bill is paid with the card.
  Score: 4 points

 

Total for Cardholder Benefits: 9/15

 

Subjective Prestige (10 points)

• Perceived Status and Exclusivity (10 points):
  The Wells Fargo Active Cash Card is widely available and does not carry any significant prestige or exclusivity.
  Score: 3 points

 

Total for Subjective Prestige: 3/10

 

Final Score: 69/100

 

Recommendation:

 

With a score of 69 points, the Wells Fargo Active Cash Card falls into the “Recommended with Reservations” category. It offers strong rewards for everyday purchases and no annual fee but lacks travel benefits and has a high standard APR. This card may appeal to users seeking simple, flat-rate cash back with no fee, but it has several limitations that make it less competitive for frequent travelers or those seeking premium perks.