Apply for the Wells Fargo Active Cash Card

The Wells Fargo Active Cash® Card is a straightforward and rewards-rich credit card that offers an unlimited 2% cash back on every purchase—an attractive feature for those looking for a simple yet effective cash back card.

Whether you are making purchases for groceries, gas, or online shopping, this card offers consistent cash back without the hassle of rotating categories or sign-up requirements.

In addition to 2% cash back on all purchases, the card comes with a generous sign-up bonus and a 0% intro APR on purchases and qualifying balance transfers for 15 months (after which the regular APR applies).

This makes it a great option for both everyday spenders and those looking to transfer balances and save on interest in the short term.

The Wells Fargo Active Cash® Card also stands out due to its no annual fee, making it an accessible choice for a broad audience.

Alongside cash back rewards, cardholders enjoy fraud protection, travel insurance, and purchase protection.

Reasons to Choose the Wells Fargo Active Cash Card

Unlimited 2% Cashback on Every Purchase

One of the most appealing features of the Wells Fargo Active Cash® Card is its unlimited 2% cash back on every purchase.

This straightforward rewards program ensures that no matter what you buy, you will earn the same generous cash back rate.

Whether it’s a big purchase or a small one, you’ll always earn 2% back.

This is especially appealing for those who want a hassle-free way to earn rewards without needing to keep track of rotating categories or activation requirements.

No Annual Fee

The Wells Fargo Active Cash® Card has a $0 annual fee, which sets it apart from many other cash back cards that charge an annual fee.

This feature makes it a cost-effective option for people who want to earn cash back rewards without paying for the privilege.

Whether you use your card occasionally or frequently, you won’t have to worry about an annual fee eating into your rewards.

Introductory APR Offer

The card offers a 0% intro APR on purchases and qualifying balance transfers for 15 months (then, the variable APR will be 19.99% to 27.99%, based on your creditworthiness).

This is a great feature for individuals looking to make large purchases and pay them off over time without paying interest, or for those who want to transfer high-interest balances from other cards and save on interest.

Sign-Up Bonus

New cardholders can earn a $200 cash rewards bonus after spending $1,000 on purchases in the first 3 months.

This sign-up bonus provides a strong incentive for people to get started with the card, giving you a quick boost to your rewards balance.

The cash rewards bonus is easy to redeem as a statement credit, making it simple to use for future purchases.

No Foreign Transaction Fees

The Wells Fargo Active Cash® Card does not charge foreign transaction fees, which makes it a great option for people who travel abroad.

Many credit cards charge up to 3% on foreign purchases, which can add up quickly.

With this card, you can make purchases overseas without worrying about additional fees, making it ideal for frequent travelers.

Easy Cashback Redemption

Cashback earned with the Wells Fargo Active Cash® Card can be redeemed as a statement credit, deposited into an eligible Wells Fargo account, or redeemed for gift cards.

The redemption process is straightforward and flexible, allowing you to use your rewards in a way that suits you best.

Negative Factors of the Wells Fargo Active Cash® Card

High APR After Introductory Period

After the introductory 0% APR period ends, the card has a variable APR of 19.99% to 27.99% for purchases and balance transfers, depending on your creditworthiness.

This can be a significant drawback for those who tend to carry a balance month-to-month.

If you don’t pay off your balance before the introductory period ends, the high APR could result in significant interest charges that outweigh the value of the rewards.

Limited Rewards for Non-2% Categories

While the 2% cash back on all purchases is generous, there are no bonus categories like some other cash back cards offer.

This means that, while you earn 2% cash back across the board, you don’t have the opportunity to earn higher rewards in specific categories, such as dining, travel, or entertainment.

For individuals who spend heavily in particular categories, other cards with specialized rewards may offer better returns.

High Balance Transfer Fees

While the 0% intro APR offer on balance transfers is attractive, the balance transfer fee is 3% of the transfer amount or $5, whichever is greater.

This fee can quickly add up if you’re transferring a large balance, potentially negating the benefits of the introductory APR offer.

For those planning to transfer balances, it’s important to consider the fee alongside the interest savings.

How to Apply for the Card

Visit the Official Wells Fargo Website:

Begin by navigating to the official Wells Fargo website. Look for the section dedicated to the Wells Fargo Active Cash Card, where you can find detailed information about its unlimited 2% cash rewards, benefits, and eligibility requirements.

Complete the Online Application Form:

Fill out the online application form with your accurate personal and financial details. Ensure that all the information is current and correct, as any discrepancies may delay the analysis process.

Submit Required Documentation:

Depending on your financial profile, you may be asked to provide additional documentation such as proof of income, a government-issued identification, or residency confirmation. Having these documents prepared in advance can help expedite the application review.

Review the Terms and Conditions:

Carefully read through the terms and conditions associated with the Wells Fargo Active Cash Card. It is important to understand key details such as the annual fee (if applicable), interest rates, cash rewards program specifics, and any additional fees or benefits tied to the card.

Submit Your Application:

After verifying that all necessary fields are complete and all supporting documents are ready, submit your application. You will receive an email confirmation along with further details about the next steps and an estimated timeframe for the analysis.

Fees and Costs

Here is a breakdown of the fees and costs associated with the Wells Fargo Active Cash® Card:

• Annual Fee: $0.
• APR: 0% intro APR on purchases and qualifying balance transfers for 15 months (then, 19.99% to 27.99% variable).
• Balance Transfer Fee: 3% of the transfer amount, or $5, whichever is greater.
• Cash Advance Fee: 5% of the amount or $10, whichever is greater.
• Foreign Transaction Fee: $0.
• Late Payment Fee: Up to $40.
• Returned Payment Fee: Up to $40.
• Sign-Up Bonus: $200 after spending $1,000 in the first 3 months.

Frequently Asked Questions

How much cash back do I earn with the Wells Fargo Active Cash® Card?

You earn 2% cash back on every purchase, with no limit or rotating categories.

How do I redeem my cash back rewards?

Cashback rewards can be redeemed as a statement credit, direct deposit, or gift cards.

Is there a foreign transaction fee?

No, the Wells Fargo Active Cash® Card has no foreign transaction fees, making it great for international purchases.

What is the introductory APR offer?

The card offers 0% intro APR on purchases and balance transfers for 15 months, followed by a variable APR of 19.99% to 27.99%.

How can I qualify for the $200 bonus?

To earn the $200 bonus, you must spend $1,000 on purchases in the first 3 months.