Learn How to Apply for a Wells Fargo Active Cash Card
Understanding the Wells Fargo Active Cash Card
The Wells Fargo Active Cash card is noted for its ease of use and straight-forward rewards earning strategy among other flat-rate cashback cards. This card outshines its peers with its annual fee-free structure and an unlimited 2% cash reward on all purchases, making it a potent contender in the flat-rate cash-back category.
Moreover, the card is attractive due to its 0% introductory APR on purchases and valid balance transfers for 15 months. This is then followed by a variable APR of 17.99%, 22.99%, or 27.99%.
One distinguishing feature of this card is its offer of a sign-up cash rewards bonus of $200 after spending $1,000 within the initial three months. Unlike most 2% cashback cards, the Wells Fargo Active Cash Card also offers a sign-up bonus.
Moreover, aside from its straightforward cashback plan, the card provides several redemption options, such as credit to the account, ATM withdrawals, direct deposits into Wells Fargo accounts, or paper checks.
While this card may not offer certain advanced features, it’s perfect for individuals interested in earning cash back without navigating through complex bonus categories.
Its lack of an annual fee makes it an affordable option for long-term use, and its 0% intro APR on purchases and balance transfers also enhance its adaptability, especially for those seeking interest-free time frames.
Eligibility Criteria
To launch the application process, the basis is to be a registered user of Wells Fargo Online and occupy the role of the primary account holder for a qualifying Wells Fargo consumer account with a valid FICO score.
The qualifying Wells Fargo consumer accounts can incorporate deposit, loan, or credit accounts. It may also include other eligible consumer accounts.
It’s essential to have a minimum FICO score within the range of 690 to 700, as this card is designed for those with an excellent credit history.
Applicants must ensure active registration on Wells Fargo Online and hold a qualifying consumer account. They must also maintain a FICO score within the required range to bolster their likelihood of approval.
Moreover, Wells Fargo has set basic requisites that include being a registered resident in the US, being 18 or over, and having a validated income source.
Furthermore, this credit card is accessible to both clients and non-clients of other bank services, with special privileges for registered users.
Regarding limitations, Wells Fargo offers a customizable limit, compatible with the customer’s income and needs expressed during registration. Regardless, the process aims to reach a wide demographic within the South American market.
Making the Application for the Wells Fargo Active Cash Card
Wells Fargo avails its application process on its official platform, providing a link to the form on its website.
Existing clients have the advantage of easier access by inputting their username and password, utilizing their already existing information.
New applicants will need to fill in their full name, date of birth, address, email, phone number, and social security number in the form. Financial information such as employment and housing status, income, and expenses is also required.
Once the details have been filled in, Wells Fargo carries out a rigorous review of the data and credit score before making a final decision. Customers can get in touch with Wells Fargo via phone or other available options.
It’s worth acknowledging that all applications are subject to Wells Fargo’s availability, meaning even if a customer meets all specifications and conditions, they may still need to provide additional details.
Additional Information
The Wells Fargo card comes packed with a host of advantages, like an app for everyday requirements and advanced safety features including voice and two-step authentication.
Cardholders also receive up to $600 in cellphone protection against damage or theft, which is subject to a deductible.
Your card includes all forms of contactless payment or digital wallet technologies, which offer added ease and comfort for cardholders. Moreover, it includes zero liability protection, lending users improved security against unauthorized transactions.
Interested in other alternatives?
The North American market features a plethora of credit card options. For instance, the American Express Gold card from Amex promises security and dependability.
