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*Choose the credit limit you want on your credit card and see the available options:
CARDS: LIMIT OF UP TO $1,000 CARDS: LIMIT OF UP TO $3,000 CARDS: LIMIT ABOVE TO $8,000With unlimited 2% cashback on all purchases, you’re ready to maximize every dollar spent. Additionally, high credit limits will significantly increase your purchasing power.
$0
2%
$200
690-850 (Good – Excellent)
Key Features and Benefits
Unlimited 2% Cash Back Rewards
One of the most appealing aspects of the Wells Fargo Active Cash® Card is its straightforward, unlimited 2% cash back on every purchase. This means that no matter where you spend your money—whether on groceries, gas, dining, or online shopping—you earn cash back at a consistent rate. This simplicity makes it easy to calculate your rewards, and over time, those rewards can add up to significant savings.
High Credit Limits
Another notable advantage is the card’s potential for high credit limits. For many consumers, a higher credit limit translates into greater purchasing power and improved credit utilization ratios. With responsible usage, you may qualify for an increase in your limit, further enhancing your financial flexibility and helping to boost your credit score over time.
No Annual Fee
A major benefit of the Wells Fargo Active Cash® Card is that it comes with no annual fee. This ensures that all the rewards you earn are pure profit without being diminished by recurring costs. For budget-conscious consumers, this feature makes the card an especially attractive option, as it allows you to maximize your cash back without worrying about extra charges.
Competitive Introductory APR
The card offers a 0% introductory APR on both purchases and balance transfers for 15 billing cycles. This feature is particularly appealing for those planning large purchases or looking to transfer high-interest balances from other cards. Once the introductory period ends, a variable APR between 17.24% and 28.24% applies, making it a competitive option if you continue to pay off your balance each month.
Robust Fraud Protection
Security is paramount, and the Wells Fargo Active Cash® Card provides comprehensive fraud protection, including zero liability for unauthorized transactions. This means you can confidently use your card for both online and in-store purchases, knowing that you are well-protected against fraud.
Additional Mastercard Benefits
As a Mastercard, this card offers additional benefits such as global customer service, exclusive offers, and access to special promotions. These perks enhance your overall experience, ensuring that you receive value not only from the cash-back rewards but also from the extra services available through the Mastercard network.
Easy Digital Management
Wells Fargo provides a state-of-the-art mobile app and online banking platform that make managing your account seamless. With these tools, you can easily track your rewards, monitor your spending, pay your bills, and set up alerts to avoid missed payments—all of which help you maintain a healthy credit profile.
Earn unlimited 2% cash rewards on purchases.
The Application Process
Applying for the Wells Fargo Active Cash® Card is a straightforward process designed with user convenience in mind. Here’s how you can get started:
Apply Now:
If you’re ready to take control of your spending and build your credit with a valuable cash-back card, apply now for the Wells Fargo Active Cash® Card and begin enjoying its numerous benefits.
Visit the Official Website:
Navigate to the Wells Fargo website and locate the application page for the Active Cash® Card. The site provides detailed information about the card’s features and benefits, helping you make an informed decision.
Complete the Online Application:
Fill out the application form with your personal, financial, and employment information. Ensure all details are accurate, as this will help Wells Fargo assess your creditworthiness quickly.
Submit Your Application:
After reviewing your information for accuracy, submit your application. In many cases, you may receive an instant decision, which means you can know your eligibility almost immediately.
Activate Your Card:
Once approved, your card will be mailed to your registered address. Follow the provided instructions to activate it, either online or via the mobile app, and then start using it to earn rewards.
An Alternative: Capital One QuicksilverOne
If you’re exploring options, the Capital One QuicksilverOne Cash Rewards Credit Card stands out for its ability to reward every purchase and support credit building.
People with fair credit can earn 1.5% cash back
Much like the Wells Fargo card, it offers a simple yet effective rewards system. This card is particularly appealing if you’re looking to improve your credit score, with Capital One known for increasing credit limits for responsible users over time.
Why These Cards?
Both the Wells Fargo Active Cash® Card and the Capital One QuicksilverOne are designed with you in mind. They offer key benefits like no complicated categories, significant rewards, and the potential for higher credit limits, making them ideal choices if you’re looking to enhance your financial tools. Whether it’s the 2% cash back with Wells Fargo or the credit-building potential with Capital One, each card offers a path to financial empowerment.
Remember, a credit card is more than just a piece of plastic; it’s a tool that, when used responsibly, can enrich your financial life. With the Wells Fargo Active Cash® Card or the Capital One QuicksilverOne, you’re not just applying for a credit card; you’re taking a step towards financial flexibility and reward maximization.
Frequently asked questions
How can I achieve a good credit score?
Improving your credit score involves several key steps: consistently pay your bills on time, keep your credit card balances low relative to your credit limits, avoid opening too many new accounts at once, and maintain a mix of credit types if possible. Regularly monitoring your credit report for errors and addressing them promptly can also positively impact your score.
Does this card come with an intro offer?
Yes, the Wells Fargo Active Cash® Card offers an enticing intro offer. New cardholders can earn a $200 cash rewards bonus after spending $500 on purchases within the first 3 months from account opening. This initial boost adds significant value to the card, making it an attractive option for potential users.
Is approval for this card guaranteed?
No, approval for the Wells Fargo Active Cash® Card, like most credit cards, is not guaranteed. Approval decisions are based on several factors including your credit history, income, and debt-to-income ratio. It’s important to review the card’s requirements and consider checking if you pre-qualify on the Wells Fargo website before applying.
*Card limits are defined based on a credit analysis of the cards themselves, approval and limit are not guaranteed
