Learn how to apply for the Wells Fargo Active Cash Card

Introducing the Wells Fargo Active Cash Card: A Comprehensive Review

If you are looking for a top-tier cash rewards credit card, the Wells Fargo Active Cash Card is a standout option. Unveiling game-changing benefits and eliminating common restrictions associated with similar cards, the Active Cash Card secures its position as one of the leading flat-rate cash rewards cards on the market. Notably, it also claims the top spot on our list of the best no annual fee credit cards.

While other flat-rate cash-back cards offer 2% rewards on purchases, the Active Cash Card stands out for its simplicity and effortless rewards earning process. Its streamlined features make it an ideal choice for individuals seeking a straightforward cash back card with fewer additional perks.

In addition to its lucrative cash back rewards, the Wells Fargo Active Cash Card provides access to exclusive benefits including Visa Concierge, the Visa Signature Luxury Hotel collection, and cell phone protection perks. This card offers exceptional value to those who prioritize cash back rewards as their main focus.

This remarkable credit card does not charge any annual fees, offering cardholders an unlimited 2% cash back on all purchases, which compares favorably to other top flat-rate cash-back cards in the market.

Furthermore, the card comes with an introductory 0% APR on purchases and eligible balance transfers for a period of 15 months. After the introductory period ends, the variable APR stands at 17.99%, 22.99%, or 27.99%. The card also offers a balance transfer fee of 3%, with a minimum of $5, and up to 5% fee for transfers made within 120 days. This makes the Active Cash Card an appealing choice for individuals looking to benefit from its balance transfer options.

Eligibility for the Wells Fargo Active Cash Card

In order to apply for the Wells Fargo Active Cash Card, you must be a registered user of Wells Fargo Online and a principal account holder of a qualifying Wells Fargo consumer account with an available FICO Score. Eligible consumer accounts include deposit, loan, and credit accounts, with the possibility of additional accounts also qualifying. A FICO score ranging from 690 to 700 is required as the minimum criterion, highlighting that this card is designed for individuals with excellent credit.

Applying for the Wells Fargo Active Cash Card

You can easily apply for the Wells Fargo Active Cash Card by visiting the official Wells Fargo Bank website and clicking on the “Apply Now” button. Fill out the application form that appears on the screen. If you already have a Wells Fargo Online account, you will have the option to apply using a pre-filled application for a quicker process.

The application requires you to provide your contact information, payment details, and personal information. You also have the choice of adding an authorized user to your account. If you prefer to apply over the phone, you can call 1-800-967-9521 to apply for a Wells Fargo Visa Credit Card.

Is the Wells Fargo Active Cash Card Worth It?

Look no further if you are seeking a credit card that offers effortless cash back rewards. The Wells Fargo Active Cash Card stands out by providing a steady 2% cash back on all purchases, without requiring you to alter your spending habits or track rotating spending categories every few months. It comes with no annual fee, a low spending requirement of $1,000 within the first three months to earn a $200 cash rewards bonus, and unlimited 2% cash rewards on purchases. These features make it a highly appealing choice for many individuals.

Comparing the Wells Fargo Active Cash Card and the Wells Fargo Autograph Card

Both the Wells Fargo Active Cash Card and the Wells Fargo Autograph Card are exceptional products. However, the Active Cash Card is the preferred option when simplicity and straightforward rewards structure are priorities. On the other hand, if you frequently spend money on travel and dining, the Autograph Card might be the better choice due to its bonus categories. Both cards earn points that can be redeemed for statement credits or travel through Wells Fargo’s Travel Portal at a value of one cent per point.

Benefits of the Wells Fargo Active Cash Card

• No annual fee
• Consistent flat-rate rewards on all purchases
• Earn a $200 cash rewards bonus by spending $1,000 within the first three months
• No categories or restrictions to remember

Benefits of the Wells Fargo Autograph Card

• No annual fee
• Bonus categories for increased rewards
• No limit on rewards earned
• Cell phone protection insurance

How to Apply for the Wells Fargo Autograph Card

If you find that the Wells Fargo Autograph Card better suits your needs, you can apply for it by following these steps:

Written by

Claire Harrison