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The Wells Fargo Active Cash Credit Card redefines simplicity and value, offering users a straightforward way to earn cash back on every dollar spent.

Whether you’re purchasing groceries, booking travel, or indulging in dining out, this card delivers unlimited 2% cash back on all purchases.

Unlike other credit cards that come with restrictive spending categories, limits on rewards, or annual fees, this card is designed to work for you without the added complexity.

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With a $200 welcome bonus and a 0% introductory APR for 12 months, it’s no wonder the Wells Fargo Active Cash Credit Card stands out in the competitive credit card market.

In this detailed guide, we’ll dive into everything you need to know, including benefits, prerequisites, and the application process.

Benefits of the Wells Fargo Active Cash Credit Card

The Wells Fargo Active Cash Credit Card offers an array of benefits that make it an appealing choice for many consumers. Its standout features include:

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  • Unlimited 2% Cash Back: Earn 2% cash rewards on all purchases, whether big or small. No limits, no categories.
  • $200 Welcome Bonus: Get a $200 cash reward after spending $500 in the first 3 months.
  • 0% Introductory APR: Enjoy 0% APR for 12 months on purchases and balance transfers, making it ideal for large purchases or consolidating debt.
  • No Annual Fee: Keep more of your rewards without worrying about yearly charges.
  • Cell Phone Protection: Protect your phone against theft or damage with coverage up to $600 per claim when you pay your monthly bill using this card.
  • Visa Signature® Benefits: Access premium perks, such as travel assistance and exclusive discounts on dining and entertainment.

These benefits make the card an excellent choice for those seeking flexibility and value in their everyday spending.

Prerequisites

To apply for the Wells Fargo Active Cash Credit Card, you’ll need to meet the following requirements:

  1. Age: Applicants must be at least 18 years old (or 21 in some jurisdictions).
  2. Residency: A valid U.S. address is required.
  3. Credit Score: A good to excellent credit score (typically 670 or higher) is recommended for approval.
  4. Income Verification: Proof of steady income to demonstrate your ability to repay debts.
  5. Social Security Number (SSN): Or a Taxpayer Identification Number (TIN).

Meeting these prerequisites ensures a smoother application process and increases your chances of approval.

About Wells Fargo

Founded in 1852, Wells Fargo & Company is one of the most prominent financial institutions in the United States.

With assets exceeding $1.9 trillion, Wells Fargo serves over 70 million customers across a wide range of financial services, including banking, investments, and loans.

Known for its commitment to innovation, Wells Fargo continuously develops products like the Active Cash Credit Card to meet the evolving needs of its customers.

Its extensive network of branches and digital banking options ensures accessibility and convenience for all users.

Who is the Wells Fargo Active Cash Credit Card for?

The Wells Fargo Active Cash Credit Card is tailored for individuals who value:

  • Straightforward Rewards: Ideal for those who prefer consistent rewards without complicated spending categories.
  • Budget-Friendly Options: With no annual fee, this card is perfect for users seeking value without extra costs.
  • Debt Consolidation: The 0% APR introductory offer makes it a great option for consolidating debt or financing large purchases.
  • Everyday Use: From groceries to dining, the 2% cash back applies to all purchases.

Whether you’re new to credit cards or a seasoned user, this card’s simplicity and benefits make it suitable for various lifestyles.

Rewards and programs

The rewards program for the Wells Fargo Active Cash Credit Card is straightforward:

  • Unlimited 2% Cash Back: Earn consistent rewards on all purchases.
  • Welcome Bonus: Receive $200 after spending $500 in the first 3 months of account opening.
  • Additional Perks: Enjoy benefits such as zero liability protection, travel assistance, and more through Visa Signature®.

Unlike other cards, you won’t need to track categories or worry about spending caps, making it easier to maximize your rewards.

Initial credit limit

The credit limit for the Wells Fargo Active Cash Credit Card depends on the applicant’s creditworthiness. While exact figures may vary, typical features include:

  • Minimum Credit Limit: $1,000
  • Maximum Credit Limit: $20,000+

Your credit limit will be determined based on factors such as income, credit score, and financial history.

Step-by-step: How to apply

Applying for the Wells Fargo Active Cash Credit Card is simple:

  1. Visit the Official Website: Go to the Wells Fargo Active Cash Credit Card page.
  2. Complete the Application Form: Provide personal and financial details, including income and contact information.
  3. Submit Documentation: Upload any required documents, such as proof of income.
  4. Review and Submit: Double-check your application for accuracy before submission.
  5. Await Approval: Wells Fargo typically provides a decision within minutes.

Once approved, your card will arrive via mail within 7-10 business days.

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Card pros and cons

Pros:

  • Straightforward 2% cash rewards
  • No annual fee
  • Generous welcome bonus
  • Introductory APR for purchases and balance transfers

Cons:

  • Higher variable APR after the intro period
  • No bonus categories for elevated rewards
  • Limited travel-specific perks

How to unlock the card

After receiving your card, you can unlock it by:

  1. Phone Activation: Call the number on the card’s sticker.
  2. Online Activation: Log in to your Wells Fargo account or use their app.

Follow the prompts, and your card will be ready for use in minutes.

Fees and tariffs

Understanding the card’s costs is crucial. Key fees include:

  • Annual Fee: $0
  • Balance Transfer Fee: 3% for the first 120 days; 5% afterward.
  • Cash Advance Fee: $10 or 5% of the advance amount.
  • Late Payment Fee: Up to $40

These fees are competitive, but it’s important to use the card responsibly to avoid unnecessary charges.

Customer service

For assistance with the Wells Fargo Active Cash Credit Card, you can reach out via:

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The Wells Fargo Active Cash Credit Card combines simplicity, value, and rewards in a single package.

Whether you’re looking to maximize cash back or take advantage of an interest-free period, this card is a reliable option.