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Applying for the Wells Fargo Active Cash® Card is a straightforward process tailored for those seeking valuable cash-back rewards and a robust credit card experience. This guide will walk you through who this card is for, its benefits, and the application steps.
Who This Card Is For
Ideal for individuals with a good to excellent credit score, typically around 670 or higher. It’s perfect for those who value simplicity in rewards (earning unlimited 2% cash rewards on purchases) and want a card with a substantial welcome offer and no annual fee.
Earn unlimited 2% cash rewards on purchases.
Benefits at a Glance
- Unlimited 2% cash rewards on purchases.
- $200 cash rewards bonus after spending $500 in the first 3 months.
- 0% intro APR for 15 months on purchases and qualifying balance transfers.
- No annual fee.
How to Apply for the Wells Fargo Active Cash® Card
Applying for the Wells Fargo Active Cash® Card is a straightforward process tailored for those seeking valuable cash-back rewards and a robust credit card experience. Follow these simple steps to get started:
1. Visit the Official Wells Fargo Website
Head over to the Wells Fargo website and navigate to the page dedicated to the Active Cash® Card. Here, you will find all the necessary information about the card’s benefits, features, and terms. The website is designed to provide a seamless experience, ensuring that you can quickly learn about the card and decide if it’s right for you.
2. Complete the Online Application
Fill out the online application form with your personal, financial, and employment details. Make sure to provide accurate information, as this will help Wells Fargo assess your creditworthiness efficiently. Once you’ve completed the form, submit your application online. In many cases, you’ll receive an instant decision, allowing you to know right away whether you’re approved.
3. Review and Activate Your Card
If approved, your Wells Fargo Active Cash® Card will be mailed to your registered address. Once you receive the card, follow the activation instructions provided—either online or via the mobile app. After activation, you can start using your card to earn unlimited 2% cash back on every purchase.
4. Set Up Automatic Payments
To ensure that you never miss a payment and to help build your credit history, consider setting up automatic payments through your Wells Fargo online account. This will not only help you avoid late fees but also contribute positively to your credit score over time.
5. Apply Now
Ready to take control of your spending and start earning cash back on every purchase? Apply now for the Wells Fargo Active Cash® Card and enjoy a streamlined, rewarding credit card experience that helps you build your credit while offering valuable cash-back rewards.
$0
2%
$200
690-850 (Good – Excellent)
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Product Details
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember, and cash rewards don’t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations, and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
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Our Take
Pros:
- Unlimited 2% cash rewards on purchases
- Earn a $200 cash rewards bonus*
- $0 annual fee
- Cell phone protection benefit
Cons:- There’s a balance transfer fee
- There’s a foreign transaction fee
- No travel transfer partners
Remember, a solid credit history significantly increases your chances of approval, so it’s advisable to check your credit score before applying. For a full review of the Wells Fargo Active Cash® Card.
Other card options organized by limit
*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 $8,000Frequently Asked Questions (FAQ)
Q: What credit score do I need to qualify for the Wells Fargo Active Cash® Card?
A: The card is designed for individuals with a good to excellent credit score, typically around 670 or higher. A strong credit score improves your chances of approval and ensures you get the most favorable terms.
Q: Is there an annual fee for the Wells Fargo Active Cash® Card?
A: No, the Wells Fargo Active Cash® Card does not have an annual fee, which allows you to maximize your rewards without any additional recurring costs.
Q: What type of rewards can I earn with this card?
A: You earn an unlimited 2% cash back on every purchase. This flat-rate reward structure means that regardless of where you shop—online, at the grocery store, or at your favorite restaurant—you’ll always earn the same percentage in cash back.
Q: How does the 0% introductory APR work?
A: The card offers a 0% introductory APR for 15 billing cycles on both purchases and balance transfers. After the introductory period, a variable APR of 17.24% to 28.24% applies. This feature is especially beneficial if you plan to make large purchases or transfer a balance from a higher-interest card.
Q: How can I ensure I build my credit with this card?
A: To build your credit, make timely payments and keep your balance well below your credit limit. The Wells Fargo Active Cash® Card reports your payment activity to all three major credit bureaus, which will help improve your credit score over time.
Q: What security features does the card offer?
A: The card includes comprehensive fraud protection, including zero liability for unauthorized transactions, so you can use it confidently without worrying about fraudulent charges.
Q: How do I manage my account and track my rewards?
A: Wells Fargo provides a robust mobile app and online banking platform where you can easily track your rewards, view transactions, set up alerts, and manage your payments. This digital management makes it convenient to stay on top of your finances.
Q: What should I do if I miss a payment?
A: It’s important to pay your bill on time to avoid high late payment fees (which can be as high as $41) and negative impacts on your credit score. Setting up automatic payments is a great way to ensure you never miss a due date.
Conclusion
The Wells Fargo Active Cash® Card is a valuable tool for anyone looking to enhance their credit card experience while earning substantial cash back on every purchase. With its unlimited 2% cash back rewards, attractive introductory APR, and no annual fee, it is designed to cater to both everyday spenders and those looking to build or rebuild their credit. The card’s robust fraud protection, user-friendly digital tools, and straightforward rewards structure make it an excellent choice for managing your finances effectively.
If you’re ready to take control of your spending, build a positive credit history, and enjoy reliable cash-back rewards on every transaction, the Wells Fargo Active Cash® Card could be the perfect addition to your wallet. Apply now and experience a credit card that is designed to help you grow your financial confidence while delivering everyday rewards. Enjoy a seamless, secure, and rewarding credit experience with Wells Fargo
*Card limits are defined based on a credit analysis of the cards themselves, approval and limit are not guaranteed
