Wells Fargo Active Cash: Credit Card

Wells Fargo Active Cash® Credit Card: Simple, Reliable, and Rewarding

If you’re looking for a straightforward, no-fuss rewards credit card, the Wells Fargo Active Cash® Credit Card deserves your attention.

This card offers unlimited 2% cash rewards on all purchases, making it an ideal choice for individuals who want to maximize everyday spending without the hassle of tracking rotating categories or reward limits.

Beyond its generous rewards, the card comes with a welcome bonus: earn a $200 cash rewards bonus when you spend $500 on purchases within the first three months. This offer is especially appealing if you have planned expenses and want to earn something back on your spending.

Adding to its value, the card has no annual fee, allowing you to enjoy its benefits without added costs. With premium features like Visa Signature® benefits, the Wells Fargo Active Cash® is a powerful tool for anyone seeking both value and simplicity in managing their finances.

APPLY NOW! Interest Rates and Fees The Wells Fargo Credit Card features competitive interest rates designed to be attractive.

 

Key Features of the Wells Fargo Active Cash® Credit Card

The Wells Fargo Active Cash® Credit Card is designed for consumers who value clear, easy-to-understand rewards with minimal fees. Here’s what makes it stand out:

Rewards and Cash Back

• Earn unlimited 2% cash rewards on every purchase, every day.
• Get a $200 cash rewards bonus after spending $500 in the first 3 months.
• With no need to monitor categories or spending limits, you can maximize your cash back with ease.
• No annual fee, which increases the overall long-term value of the card.

Interest Rates and Fees

• Introductory APR: 0% APR on purchases and qualifying balance transfers for the first 15 months. After that, a variable APR between 19.74% and 29.74%, based on your credit.
• Balance Transfer Fee: During the intro period, it’s $5 or 3% of the amount transferred (whichever is greater). After the introductory period, the fee increases to up to 5%.

This combination of solid rewards and low costs makes the Active Cash® card a smart option for both everyday spending and larger purchases over time.

Eligibility and Application Process

Before applying, it’s important to understand the qualification criteria and what’s involved in getting started.

Who Qualifies?

• A credit score of 670 or higher is generally recommended (indicating good credit).
• You must be at least 18 years old (or 19 in some states).
• A valid U.S. address and either a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) are required.
• Income verification and financial stability (e.g., steady income, savings) can improve your chances of approval and help secure a higher credit limit.

How to Apply

You can apply online through the Wells Fargo website or visit a branch in person. The online process is fast and user-friendly. To speed things up, have the following documents ready:

• Your Social Security Number or ITIN
• Proof of income (e.g., pay stubs or bank statements)
• A valid photo ID (e.g., driver’s license or passport)

Once your application is submitted, Wells Fargo will review your credit profile and eligibility. If approved, your card should arrive by mail within 7–10 business days. You can activate it via Wells Fargo’s online banking or by calling customer service.