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With unlimited 2% cashback on all purchases, this card simplifies rewards without category restrictions or spending limits.
Disclaimer: You will be redirected to the official website.
Benefits of Wells Fargo Active Cash® Card
- Unlimited 2% Cashback: Earn 2% cashback on every purchase, with no spending caps or rotating categories.
- No Annual Fee: Enjoy cashback rewards without worrying about yearly costs.
- Introductory 0% APR: 0% APR for 15 months on purchases and qualifying balance transfers, followed by a variable APR.
- Sign-Up Bonus: Earn a $200 cash rewards bonus after spending $500 in the first three months.
- Flexible Redemption Options: Redeem cashback for statement credits, direct deposits, or gift cards.
- Robust Security Features: Includes zero liability protection, fraud monitoring, and real-time alerts.
- Mobile Wallet Compatibility: Works with digital payment services like Apple Pay, Google Pay, and Samsung Pay.
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Pros
- Simple, unlimited 2% cashback on all purchases.
- No annual fee, making it a cost-effective rewards card.
- Generous intro APR for purchases and balance transfers.
- Flexible redemption options with no expiration on rewards.
- Strong security features to protect your account and transactions.
Cons
- No bonus categories for higher cashback in specific spending areas.
- No travel rewards—cashback is the only reward structure.
- Foreign transaction fee (3%), making it less ideal for international travel.
about the card
The Wells Fargo Active Cash® Card is designed for consumers who want a simple, hassle-free cashback rewards program. With unlimited 2% cashback on all purchases, cardholders can maximize rewards without tracking rotating categories or activating quarterly bonuses.
One of the card’s standout features is its introductory 0% APR for 15 months on purchases and balance transfers, which can be a valuable tool for financing large purchases or consolidating existing credit card debt. Additionally, the $200 sign-up bonus provides an easy way to earn extra cashback early on.
While the card lacks travel rewards, it makes up for it with no annual fee, strong security protections, and the ability to redeem rewards as statement credits, direct deposits, or gift cards. For those seeking a reliable cashback card with straightforward benefits, the Wells Fargo Active Cash® Card is a strong contender.
How to Apply for THE WELLS FARGO ACTIVE CASH® Card
- Visit the Official Website: Go to Wells Fargo’s credit card page.
- Complete the Online Application: Provide personal, employment, and financial details.
- Submit Your Application: Double-check your information and apply.
- Await Approval: Instant decisions are common, but some applications may require additional review.
- Receive Your Card: If approved, expect delivery within 7–10 business days.
Disclaimer: You will be redirected to the official website.
introductory 0% apr on purchases and balance transfers
A key advantage of the Wells Fargo Active Cash® Card is its 0% intro APR for 15 months on both purchases and qualifying balance transfers. This feature allows new cardholders to manage large expenses or transfer balances from high-interest credit cards without accruing interest.
Benefits Breakdown
| Feature | Details |
|---|---|
| Rewards Rate | Unlimited 2% cashback on all purchases |
| Annual Fee | $0 |
| Sign-Up Bonus | $200 after spending $500 in the first three months |
| Intro APR | 0% for 15 months on purchases and balance transfers |
| Redemption Options | Statement credits, direct deposits, or gift cards |
| Foreign Transaction Fee | 3% |
EXTENSIVE SECURITY FEATURES
The Wells Fargo Active Cash® Card provides a range of security benefits to protect your account:
- Zero Liability Protection: You won’t be held responsible for unauthorized transactions.
- 24/7 Fraud Monitoring: The bank detects and alerts you to suspicious activity.
- Mobile Card Controls: Freeze or unfreeze your card via the Wells Fargo mobile app.
- Real-Time Alerts: Receive notifications for transactions and potential fraud.
These features ensure your credit card account remains secure, giving you peace of mind when making purchases online or in-store.
How to Improve Your Credit Score to Get Approved for THE WELLS FARGO ACTIVE CASH® credit CARd
Since this card requires good to excellent credit (typically 700+), here are ways to improve your credit score before applying:
- Make On-Time Payments: Payment history is the most significant factor in your credit score.
- Keep Credit Utilization Low: Aim to use no more than 30% of your credit limit.
- Monitor Your Credit Score: Regularly check your credit report for errors or unauthorized activity.
- Limit Hard Inquiries: Avoid multiple credit applications in a short period.
- Maintain a Mix of Credit Accounts: Having different types of credit (credit cards, loans) can boost your score.
By following these steps, you can improve your chances of approval for the Wells Fargo Active Cash® Card and other top-tier credit products.
FINAL CONSIDERATIONS
The Wells Fargo Active Cash® Card is an excellent choice for individuals seeking straightforward cashback rewards without an annual fee. With unlimited 2% cashback on every purchase, cardholders can effortlessly earn rewards on everyday spending. The introductory 0% APR on purchases and balance transfers adds further value, making it a useful tool for managing expenses or consolidating debt.
While the card lacks travel-specific perks or bonus categories, it shines in its simplicity, cost-effectiveness, and flexibility. Its strong security features and mobile app integration also enhance the overall experience for cardholders.
For those who prefer easy-to-earn, high-value cashback rewards, the Wells Fargo Active Cash® Card stands out as a top contender in the credit card market.