Its straightforward rewards program and a wide range of additional benefits make it a top contender for individuals who want to earn cash back without complicating their spending.

Credit Card

Wells Fargo Active Cash

No Annual Fee No Major Travel Benefits

Unlimited 2% Cash Back on Every Purchase

APPLY NOW You will be redirected

How does the Wells Fargo Active Cash Credit Card work?

The Wells Fargo Active Cash Credit Card is designed to offer simple and consistent rewards, allowing you to earn cash back on every purchase without the hassle of tracking bonus categories or rotating categories. Here’s how it works:

• Earning Rewards: You earn an unlimited 2% cash back on every purchase—whether you’re buying groceries, paying bills, or dining out. There’s no limit to how much cash back you can earn, which sets this card apart from others that impose caps on rewards.
• Introductory 0% APR: For the first 15 months, enjoy 0% introductory APR on purchases and qualifying balance transfers. After the introductory period, a variable APR applies. This makes the card an excellent choice for individuals planning to make large purchases or transfer balances from higher-interest cards.
• Cashback Redemption: You can redeem your cash back as a statement credit, a direct deposit to your bank account, or as a check, providing flexible options for how you use your rewards.
• No Annual Fee: The Wells Fargo Active Cash Credit Card comes with no annual fee, which means you can enjoy its benefits without any additional cost.
• Fraud Protection: The card includes $0 liability for unauthorized purchases, providing peace of mind if your card is lost or stolen.

Main benefits of Wells Fargo Active Cash Credit Card

The Wells Fargo Active Cash Credit Card provides several key advantages that make it an attractive option for those looking to earn cash back:

• Unlimited 2% Cash Back: Earn 2% cash back on every purchase, with no rotating categories or spending caps, ensuring consistent rewards.
• Generous Introductory Offer: Get a $200 cash rewards bonus when you spend $1,000 in the first 3 months from account opening.
• 0% Introductory APR for 15 Months: Take advantage of 0% APR on purchases and qualifying balance transfers for the first 15 months, which can help you save on interest during that period.
• No Annual Fee: Enjoy all the benefits without the burden of an annual fee, making the card even more cost-effective.
• Flexible Cashback Redemption: You can redeem your rewards in several ways, making it easy to access your cash back when you need it.
• Fraud Protection: The card includes built-in fraud protection, giving you confidence in the security of your account.

Cons of Wells Fargo Active Cash Credit Card

While the Wells Fargo Active Cash Credit Card offers numerous benefits, there are some potential drawbacks to keep in mind:

• High APR After Introductory Period: Once the 0% introductory APR period ends, the variable APR can be high (18.24% – 28.24%), which makes carrying a balance expensive.
• Limited Bonus Categories: Unlike some other rewards cards, this card doesn’t offer bonus cash back in specific categories like dining or travel. It’s designed for simplicity with a flat 2% rate, which may not maximize rewards for those who prefer cards with rotating categories.
• No Foreign Transaction Fees: While this is a benefit for international travelers, the lack of bonus rewards in travel categories may limit the value for frequent travelers.

APR and Fees

The Wells Fargo Active Cash Credit Card comes with a range of terms and fees that are important to understand:

• Annual Fee: None.
• APR: A variable APR of 18.24% – 28.24% applies to purchases and balance transfers after the introductory 0% APR period ends.
• Balance Transfer Fee: 3% of the amount transferred (min. $5).
• Late Payment Fee: Up to $40.
• Foreign Transaction Fee: None, which is ideal for international purchases.
• Cash Advance Fee: Either $10 or 5% of the transaction, whichever is greater.

How to apply for the Wells Fargo Active Cash Credit Card

Applying for the Wells Fargo Active Cash Credit Card is a straightforward process:

1. Visit the Wells Fargo Website: Go to the official Wells Fargo website to start the application process.
2. Provide Personal Information: Enter your personal details, including your name, address, income information, and Social Security number to determine your eligibility.
3. Review Terms: Make sure to review the card’s terms, including the introductory APR, rewards program, and fees, before submitting your application.
4. Submit Your Application: Once you’ve reviewed the information, submit your application for approval.
5. Activate Your Card: If approved, you’ll receive your card in the mail and can begin using it to earn cash back and take advantage of the introductory APR offer.

Credit Card

Wells Fargo Active Cash

No Annual Fee No Major Travel Benefits

Unlimited 2% Cash Back on Every Purchase

APPLY NOW You will be redirected

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