Wells Fargo Active Cash Card Review

The Active Cash Card is designed for consumers who value simplicity and consistent, high-value returns. 

For those who value simplicity and powerful rewards, the Wells Fargo Active Cash Card stands out as a top-tier choice in the world of cash back credit cards. This card is engineered for straightforward, high-value returns, offering an unlimited 2% cash rewards on all purchases. There are no complicated categories to track or activate—just pure, simple rewards on every dollar you spend.

With no annual fee and a suite of valuable benefits, it’s the ideal choice for anyone seeking a primary, everyday card that effortlessly maximizes their rewards.

CREDIT CARD

Wells Fargo Active Cash Credit Card

Unlimited 2% Cash Back $200 Welcome Bonus

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More Than 10 Incredible Benefits

• Unlimited 2% Cash Rewards: This is the card’s signature feature. Earn a premium, flat 2% cash rewards on every purchase you make. There are no caps, no rotating categories, and no limits to what you can earn.
• Generous Welcome Bonus: New cardmembers can earn a $200 cash rewards bonus after spending just $500 in purchases in the first 3 months of account opening.
• $0 Annual Fee: Enjoy all the benefits of this powerful rewards card without paying an annual fee, ever.
• Long 0% Introductory APR: Get a 0% intro APR for 15 months from account opening on both new purchases and qualifying balance transfers. This provides excellent flexibility for financing large purchases or paying down existing debt.
• Valuable Cell Phone Protection: This is a standout perk. When you pay your monthly cell phone bill with your Active Cash Card, you get up to $600 of protection against covered damage or theft (subject to a $25 deductible).
• Flexible Redemption Options: Your rewards are easy to access. Redeem your cash rewards for a statement credit, for gift cards, or as cash back via a direct deposit into a Wells Fargo account or even through a Wells Fargo ATM in $20 increments.
• Visa Signature Benefits: As a Visa Signature card, you gain access to a suite of valuable perks, including the Visa Signature Luxury Hotel Collection, concierge services, and secondary auto rental collision damage waiver.
• My Wells Fargo Deals: Get access to personalized deals from a variety of merchants to earn even more cash back in the form of a statement credit.
• Roadside Dispatch: Travel with greater confidence knowing you have access to a 24/7 pay-per-use roadside assistance program.
• Zero Liability Protection: You are protected against unauthorized transactions. As long as you report them promptly, you won’t be held responsible for fraudulent charges.
• Credit Close-Up: Stay on top of your financial health with complimentary access to your FICO Score and tools to help you understand and track your credit.

Who Can Apply

To apply for the Wells Fargo Active Cash Card, applicants should generally meet the following criteria:

• Credit Score: It is recommended that applicants have a good to excellent credit score (typically a FICO score of 670 or higher).
• Age: You must be at least 18 years of age.
• Residency: You must be a U.S. resident with a valid physical U.S. address.
• Identification: A Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) is required.
• Wells Fargo Application Rules: Be mindful of Wells Fargo’s general application rules, such as the “6-month rule,” which may impact your eligibility if you have recently opened another Wells Fargo credit card.

How to Apply

Applying for the Wells Fargo Active Cash Card is a straightforward online process.

1. Visit the Wells Fargo Website: Navigate to the official Wells Fargo Active Cash Card application page.
2. Check for a Prequalified Offer (Recommended): Wells Fargo has a tool that allows you to see if you are prequalified for card offers with no impact on your credit score. This is a great way to gauge your approval odds before applying.
3. Complete the Application: Fill out the secure online application with your personal, contact, and financial information.
4. Review Terms and Submit: Carefully read the card’s terms, rates, and fees before submitting your application.
5. Await a Decision: You will often receive a decision within minutes.

Frequently Asked Questions

• Is the 2% cash rewards truly unlimited?
  Yes, absolutely. Unlike cards with rotating categories that often have spending caps, the Active Cash Card earns a flat 2% cash rewards on all eligible purchases with no limit.
• What are the balance transfer fees for this card?
  For balance transfers made within the first 120 days, there is an introductory fee of 3% of the transfer amount ($5 minimum). After the introductory 120-day period, the fee for future balance transfers is up to 5% ($5 minimum).
• Does the card have a foreign transaction fee?
  Yes, the Wells Fargo Active Cash® Card has a 3% foreign transaction fee. This means it may not be the best choice for making purchases outside of the United States.
• How does the cell phone protection work?
  To be eligible, you must pay your monthly cell phone bill with your Wells Fargo Active Cash Card. If your phone is damaged or stolen, you can file a claim for reimbursement of up to $600 for repair or replacement, subject to a $25 deductible. You can make up to two claims per 12-month period. This is secondary coverage, meaning it applies after any other insurance you may have.

CREDIT CARD

Wells Fargo Active Cash Credit Card

Unlimited 2% Cash Back $200 Welcome Bonus

APPLY NOW You will be redirected