Wells Fargo Active Cash Payoff Calculator 2026

Card data, May 2, 2026

• Issuer: Wells Fargo
• APR: 19.74-29.74% variable
• Annual fee: $0
• Rewards: 2% unlimited cashback on every purchase
• Sign-up bonus: $200 cash rewards bonus after spending $500 in first 3 months
• Intro APR: 0% on purchases and qualifying balance transfers for 12 months from account opening
• Intro balance transfer fee: 3% for transfers made in first 120 days
• Standard balance transfer fee after intro: 5%
• Foreign transaction fee: 3%

Source: Wells Fargo Active Cash terms, verified 2026-05-02.

TL;DR

The Active Cash is one of the strongest no-fee 2% flat cashback cards. The 12-month intro 0% APR (purchases and balance transfers, 3% fee on early transfers) makes it useful for new applicants who can pay off a balance in a year.

For revolvers past the intro period:

• $4,000 balance at 23% APR (mid range), $200/mo: 25 months, $1,015 interest
• 2% on continued spending: $1,000/mo × 25 months × 2% = $500 in rewards
• New-purchase interest at 23% (no grace when carrying): $200 over 25 months
• Net rewards: $300

The 2% rate is competitive but does not change the basic carry-balance reality.

Math worked example

$4,000 balance at 23% APR, $200/mo payment:

• 25 months to payoff
• $1,015 interest
• Total cost: $5,015 (no annual fee)

Compare to Citi Double Cash at the same APR: identical $5,015 total cost. Active Cash and Double Cash are roughly equivalent for revolvers.

Run your specific Active Cash numbers

The pillar tool accepts the Active Cash APR.

If you are inside the 12-month intro 0% period (new applicant), the math is different: at 0% APR, no interest accrues. Pay aggressively to clear the balance before the intro ends.

How the intro 0% balance transfer works

For new applicants, transfers made in the first 120 days qualify for 0% APR for 12 months from account opening, with a 3% transfer fee. After 120 days from opening, transfers incur the standard 5% fee.

The 12-month 0% promo on the Active Cash is shorter than dedicated balance transfer cards (Wells Fargo Reflect at 21 months). For longer payoff timelines, Reflect is typically the better fit.

Avalanche priority

Active Cash APR (19.74-29.74%) overlaps with most cards. Whether it is your avalanche priority depends on the spread vs your other cards.

Balance transfer considerations

For an existing Active Cash balance past the intro period, transfer to a different issuer’s 0% card (Wells Fargo Reflect for 21 months, Citi Simplicity, BankAmericard).

For a new applicant: the Active Cash itself can be the transfer destination if you can finish in 12 months.

Active Cash vs Wells Fargo Reflect

Both are Wells Fargo cards. Differences:

• Active Cash: 2% rewards, 12-month intro 0%, 3% intro transfer fee
• Reflect: no rewards, 21-month 0% on transfers, 5% transfer fee

For balance transfer, Reflect offers 9 more months at 0% but with higher fee. Math:

• $10,000 transfer to Active Cash (3% fee = $300, 12 months 0%): finish in 12 months at $833/mo, total cost $10,300
• $10,000 transfer to Reflect (5% fee = $500, 21 months 0%): finish in 18 months at $556/mo, total cost $10,500

Active Cash wins on raw cost if you can sustain $833/mo. Reflect wins on monthly cash flow.

Should you keep Active Cash after payoff?

Yes. No annual fee, established history. Keep open at zero balance.

Sibling Wells Fargo card

• Best balance transfer cards 2026 , Wells Fargo Reflect (21-month 0% APR) is on the list

Other 2% flat-rate cards

• Citi Double Cash payoff calculator
• Capital One Quicksilver payoff calculator (1.5% comparison)

Related

• Credit card payoff calculator (home) , pillar tool
• Credit card payoff by card type , full hub
• Balance transfer calculator

Frequently asked questions

What is the APR on Wells Fargo Active Cash?

19.74-29.74% variable as of May 2, 2026, per Wells Fargo pricing.

Does Active Cash have an annual fee?

No, $0.

Does Active Cash have an intro 0% APR offer?

For new applicants: 0% APR on purchases and qualifying balance transfers for 12 months from account opening. Balance transfer fee is 3% for transfers in first 120 days, 5% after.

Are there foreign transaction fees on Active Cash?

Yes, 3%. Active Cash is not optimized for international travel.

What is the sign-up bonus?

$200 cash rewards after spending $500 in the first 3 months from account opening.

What credit score do I need for Active Cash?

Typically 670+ FICO.

Should I get Active Cash or Citi Double Cash?

Both are 2% flat cashback no-fee cards. Active Cash has the 12-month intro 0% APR for new applicants and the $200 sign-up bonus. Double Cash has the “1% on payment” feature. For new applicants planning a balance transfer, Active Cash often wins.

Is Active Cash a good card for travel?

The 3% foreign transaction fee makes it suboptimal for international travel. For travel rewards, consider Capital One Venture or Wells Fargo Autograph (no foreign fee).

Should I close Active Cash after paying off the balance?

Generally no. No annual fee, no cost to keeping open.

What is the penalty APR on Active Cash?

Up to 29.99% per Wells Fargo terms.