Does the Active Cash Business have an annual fee?

No. Our record lists a $0 annual fee for the Active Cash Business.

Is the Active Cash Business worth it in the first year?

Using our illustration ($12,000 of yearly spending), the first year comes out around $240 before credits, including a welcome bonus valued at $0. Year two drops to about $240 before credits.

What credit do I need for the Active Cash Business?

Our record lists "Good" credit as the typical target for the Active Cash Business. As a business card, the application also asks about the business. Wells Fargo makes the final decision based on its own criteria.

Active Cash Business

Wells Fargo

No Annual Fee

Annual Fee

visaGoodbusinessno-annual-fee16 days ago

Welcome Offer

No Welcome Offer

OpenCard analysis

Is the Active Cash Business right for you?

The Active Cash Business is a no-annual-fee business rewards card from Wells Fargo. It earns a flat 2x on purchases. With no fee, it only needs to beat the flat rate your current card already pays.

Who it's for

✓ Business owners who want business spending on its own card
✓ Anyone who wants flat-rate rewards without paying an annual fee
✓ People who want one rate (2x) everywhere without tracking categories

Who should skip it

— Applicants without a business or business income

First-year value estimate

Welcome bonus

Rewards on spending

$240

Annual fee (year 1)

−$0

Year 1, before credits

$240

Year two, without the welcome bonus: about $240 before credits ($240 in rewards minus the $0 fee).

Assumptions

$12,000 a year of purchases at 2x, about $1,000 a month.
Rewards valued at 1¢ per point or 1% cash back (cash-equivalent).
No welcome bonus is listed in our record, so none is counted.
No annual fee in any year.

An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-10-03.

How it compares

Bank of America Business Advantage Travel Rewards World Mastercard →

Bank of America, same $0 annual fee; earns 1.5x on everything.

Altitude Go Business →

U.S. Bank, same $0 annual fee; earns 2x on everything.

American Express Blue Business Cash →

American Express, same $0 annual fee; earns 2% on everything.

Compare side by side →

Frequently asked questions

Does the Active Cash Business have an annual fee?: No. Our record lists a $0 annual fee for the Active Cash Business.
What does the Active Cash Business earn?: A flat 2x on purchases.
Is the Active Cash Business worth it in the first year?: Using our illustration ($12,000 of yearly spending), the first year comes out around $240 before credits, including a welcome bonus valued at $0. Year two drops to about $240 before credits.
What credit do I need for the Active Cash Business?: Our record lists "Good" credit as the typical target for the Active Cash Business. As a business card, the application also asks about the business. Wells Fargo makes the final decision based on its own criteria.

Earning Rates

2×All Purchasesunlimited