Looking for a simple way to earn some extra cash this year?

Wells Fargo is currently offering a $200 cash rewards bonus to new cardholders—and it doesn’t require complicated spending categories, rotating promotions, or even an annual fee.

If you’re someone who regularly shops for groceries, fills up the gas tank, or pays monthly bills, this could be one of the easiest ways to get rewarded for your everyday purchases.

Whether you're planning ahead for holiday spending, helping with family expenses, or just looking for a little financial boost, this offer is worth a closer look.


Wells Fargo’s Active Cash® Credit Card offers a $200 cash rewards bonus when new cardholders spend $500 within the first three months of opening the account.

There are no complicated spending categories, no coupons to track, and no rotating promotions—just one simple requirement that can be met through your usual monthly expenses like groceries, gas, or prescriptions.


How to get started

Here’s what you need to do to take advantage of the offer:

1. Apply for the Wells Fargo Active Cash® Credit Card
   You can apply online or at a Wells Fargo branch. Approval is based on your credit profile, and most approved applicants have a credit score of 670 or higher.
2. Spend $500 in the first 3 months
   Use the card for everyday purchases you already plan to make. You don’t need to overspend—just shift your regular spending to the card until you reach $500.
3. Receive your $200 bonus
   Once you meet the requirement, Wells Fargo will automatically issue your cash rewards. You can redeem the bonus as a statement credit, direct deposit, or even a mailed check.

No deadline (for now)

Unlike many promotions that expire, Wells Fargo hasn’t announced a deadline for this offer.

But that doesn’t mean it will last forever—offers can change at any time.


Also read: Looking for extra cash? These bank bonuses could put up to $400 in your pocket

More reasons to consider this card

Beyond the $200 welcome bonus, the Wells Fargo Active Cash® Card comes with several other benefits:

• Unlimited 2% cash back on all purchases—no categories, no activation
• 0% introductory APR on purchases and qualifying balance transfers for the first 12 months
• No annual fee, so you keep more of what you earn
• Cell phone protection—up to $600 in coverage against damage or theft if you pay your phone bill with the card (subject to a $25 deductible)
• Flexible redemption options including statement credits, cash, or gift cards

Also read: Is your money trapped? Find out why Wells Fargo has started freezing bank accounts.

What to keep in mind

This card is a great fit for those who want simplicity, but there are a few key points to consider:

• It’s only available to new Wells Fargo cardholders. If you’ve opened a Wells Fargo card or received a Wells Fargo bonus in the last 15 months, you may not qualify.
• You’ll need good credit to be approved.
• If you transfer a balance, there’s a fee of 3% or $5, whichever is greater.
• Cell phone protection: Get up to $600 per claim for covered damage or theft (maximum two claims per 12 months), with a $25 deductible, when you pay your monthly phone bill using the card.

Also read: Could your Wells Fargo account be flagged? Here’s how to make sure your money doesn’t get sent to the state

Is it right for you?

You might consider this card if:

• You want a simple, no-hassle cashback card
• You prefer not to pay an annual fee
• You’d like to earn a bonus without changing your normal spending habits
• You value perks like 2% rewards and mobile phone protection

It may not be the best fit if:

• You’ve recently had a Wells Fargo credit card
• You prefer points or travel rewards over cash back
• You typically carry a balance and are concerned about interest charges after the intro period

Tips to make the most of it

• Use it for everyday essentials—groceries, gas, and pharmacy visits all count toward the $500
• Set up automatic payments to avoid late fees or interest
• Stick to your budget—only spend what you were already planning to spend
• Monitor your credit before and after applying, as opening new accounts can affect your score

If you’re looking for a simple way to earn extra cash without changing your routine, this Wells Fargo offer might be worth considering.

Just be sure to review the details, spend within your budget, and take advantage of the perks that work best for you!

Read next: Are you eligible? How Americans can claim up to $3,000 in free money—but you must act before July 16!


If you’ve used a card bonus to your advantage in the past—or are considering applying for this one—we’d love to hear about it. What worked for you? Do you have tips to share with others? Drop your comments below and help others in our community make informed financial choices.