Credit Cards

Wells Fargo Active Cash® Credit Card review

Find out how the Wells Fargo Active Cash® Card can help you get cash back on your purchases. Read our review to see if this card is right for you.

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Wells Fargo Active Cash® Credit Card: Get 2% cash back on everything you buy

Wells Fargo Active Cash®
This is the Wells Fargo Active Cash® Credit Card. Source: The Post New.

Are you in the market for a no-frills cash back card? Then you should definitely check out this Wells Fargo Active Cash® Credit Card review. With no annual fee and a great welcome bonus, this card allows you to rack up savings on daily purchases. 

Wells Fargo Active Cash®

How to apply for Wells Fargo Active Cash® card

Learn how to apply for the Wells Fargo Active Cash® Credit Card and enjoy its benefits and rewards.

This card is as straightforward as they come and don’t require too much maintenance. You can benefit from a great 0% introductory APR on purchases to buy big ticket items. Plus, the card offers other interesting perks like mobile protection and Visa Signature benefits. Check some of its features below.  

  • Credit Score: You need a 700+ credit score for better approval odds.
  • APR: 0% introductory APR on purchases and eligible balance transfers (terms apply). Once that period is over, a variable APR between 17.24% – 27.24% applies.
  • Annual Fee: None.
  • Fees: Promotional balance transfer fee of 3% for 120 days, then up to 5% or $5. 
  • Welcome bonus: $200 cash reward bonus conditioned to spending at least $1000 within the first three months from account opening.
  • Rewards: Unlimited 2% cash back on everything you buy. Plus, $600 mobile protection.

So, if you’re looking for an easy-to-use cash back card with some nice bonus features, keep reading our Wells Fargo Active Cash® Credit Card review to learn how this card can be a great addition to your everyday life. 

Wells Fargo Active Cash® Credit Card: how does it work?

Issued by one of the most prestigious banks in the U.S., the Wells Fargo Active Cash® has a Visa Signature. That means not only you’ll get amazing benefits from the bank, but also exclusive premium Visa perks for all your travels. 

If you have a good credit score, applying for this card is easy and fast. New cardholders get to enjoy a great welcome bonus of $200 cash rewards after spending just $1,000 on the card within the first three months. 

The cash back rewards are very straightforward and you’ll get 2% back on every purchase you make. No rotating categories or activation required. With the Wells Fargo Active Cash®, you’ll also enjoy a 0% intro APR period of 15 months on purchases and qualifying balance transfers. 

After that period ends, the standard variable APR is between 17.24% and 27.24%. Balance transfers made within 120 days get the promo 3% BT fee. Once that period is over, cardholders will have to pay up to 5%. 

Wells Fargo Active Cash® Credit Card: is it a good card?

young woman using credit card for online shopping on laptop
Use this card in every purchase to earn an amazing 2% rate cashback. Source: Freepik.

The card offers a host of benefits to people with a good credit score, including cash back rewards and no annual fee. But as with all financial products, there are disadvantages you should be aware of before applying. See the pros and cons below in our Wells Fargo Active Cash® Credit Card review.

Benefits

You won’t have to worry about monthly or annual fees

  • One great feature about this card is the lack of maintenance, monthly or annual fees. It makes the Wells Fargo Active Cash® over $100 cheaper than the average card in the same category.

2% cash back in all your daily purchases

  • No rotating categories and no frills. With this card, you’ll get 2% of everything you buy with it.

Take advantage of a great intro APR period

  • You’ll also get 0% APR on purchases and qualifying balance transfers for 15 months. That is a great perk if you need to consolidate debt or make larger purchases.

Easily obtainable welcome bonus

  • Upon approval, you’ll get a $200 cash bonus by spending at least $1,000 within the first three months of card membership.

Disadvantages

High APR

  • Once the 0% intro APR period is over, the standard variable for this card is between 17.24% – 27.24%. So it’s best to avoid carrying a balance from month to month.

Charges a foreign transaction fee

  • Many cards from the same category have abolished international fees, but this is not the case for the Wells Fargo Active Cash®. The card charges 3% for any international purchases. 

What is the required credit score?

Rewards credit cards usually require a score between good and excellent to enhance its approval odds. To get this card, you don’t need an excellent rating. However, you do need to have a FICO score of 700 or higher.

Wells Fargo Active Cash® Card application

The Wells Fargo Active Cash® Card is a great option for those looking to get rewarded for their everyday spending. So whether you’re stocking up on groceries or need to make a big purchase, this card can help you save money. Learn how to apply by following the link below.

Wells Fargo Active Cash®

How to apply for Wells Fargo Active Cash® card

Learn how to apply for the Wells Fargo Active Cash® Credit Card and enjoy its benefits and rewards.

About the author  /  Aline Barbosa

Aline Barbosa is an editor, writer and learning-enthusiast. Passionate about music, books and human behavior. Curious about the unknown. Believer that learning is a life-long process.

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