Wells Fargo Active Cash Credit Card Review

Discover a credit card that offers unlimited 2% cash back on every purchase, combining simplicity with exceptional value for your everyday spending. This is Wells Fargo Active Cash Credit Card!

In today’s financial landscape, consumers seek simplicity and value in their credit card choices. The Wells Fargo Active Cash Credit Card delivers on both fronts, offering unlimited 2% cash back on purchases. 

With no annual fee and a user-friendly approach, this card is perfect for those who want to make the most of their spending without the complexity of managing multiple reward categories. Let’s dive into the details of what makes this card stand out.

CREDIT CARD

WELLS FARGO ACTIVE CASH

ZERO ANNUAL FEE UNLIMITED CASHBACK

GET CARD You will be redirected

Wells Fargo Active Cash Credit Card Benefits

Unlimited 2% Cash Rewards

The Wells Fargo Active Cash Credit Card shines with its straightforward rewards program that gives you a consistent 2% cash back on every purchase. Unlike other cards that complicate things with different rates for different categories, this card keeps it simple, offering a flat rate that makes it perfect for all your daily expenditures.

No Annual Fee

Enjoy all the perks and rewards of the Wells Fargo Active Cash Credit Card without the burden of an annual fee. This means you can take advantage of everything the card has to offer without the worry of an extra cost each year, allowing you to keep more of your rewards.

Introductory APR Offer

Take advantage of the 0% introductory APR on purchases and balance transfers for the first 15 months. This feature is particularly beneficial if you’re considering a significant purchase or looking to consolidate existing credit card debt, as it provides a window of time to pay down balances without accruing interest.

Flexible Redemption Options

The card offers versatile options for redeeming your cash rewards. Whether you prefer to use them as a statement credit, deposit them directly into a Wells Fargo account, or exchange them for travel, gift cards, and more, the choice is yours, making it easy to tailor your rewards to your needs.

Visa Signature Benefits

Holding a Visa Signature card comes with added advantages, such as access to travel and emergency assistance, a full-service concierge, and purchase protection. These benefits enhance your day-to-day life and provide extra peace of mind when traveling.

Cell Phone Protection

By using this card to pay your monthly cell phone bill, you can enjoy up to $600 in protection against damage or theft, subject to a $25 deductible. This added benefit can help ease concerns over unexpected phone issues.

24/7 Customer Service

Benefit from 24/7 customer support, ensuring that help is always available whenever you have questions or concerns about your account.

Zero Liability Protection

Rest assured with zero liability protection, which means you won’t be held accountable for unauthorized transactions made with your card, providing an added layer of security.

My Wells Fargo Deals

Access personalized cash back offers from a range of select merchants with My Wells Fargo Deals, allowing you to save even more on your purchases.

Roadside Dispatch

As a cardholder, you can take advantage of pay-per-use roadside assistance services, ensuring you have help available when you need it most.

Extended Warranty Protection

The card offers extended warranty protection, giving you additional coverage on eligible purchases by lengthening the manufacturer’s warranty, thus offering more security for your valuable buys.

Who Can Apply?

To be eligible for the Wells Fargo Active Cash Credit Card, applicants should have a good to excellent credit score, typically in the range of 670 or higher. Additionally, you must be at least 18 years old and a resident of the United States. Having a stable income and a solid credit history will further enhance your chances of approval.

How to Apply?

1. Visit the Wells Fargo Website: Navigate to the credit cards section.
2. Select the Active Cash Credit Card: Review the details and terms.
3. Click ‘Apply Now’: Begin the application process.
4. Fill Out the Application Form: Provide personal and financial information.
5. Review and Submit: Double-check your details and submit your application.
6. Await Approval: Wells Fargo will review your application and notify you of the decision.

FAQs

What is the foreign transaction fee for this card? 

The Wells Fargo Active Cash Credit Card has a foreign transaction fee of 3%.

Can I earn rewards on balance transfers? 

No, cash rewards are earned on purchases only, not on balance transfers or cash advances.

Is there a limit to the amount of cash back I can earn? 

No, there is no limit to the amount of cash back you can earn, making it an excellent choice for high spenders.

How can I redeem my cash rewards? 

You can redeem your cash rewards as a statement credit, direct deposit into a Wells Fargo account, or through other available options via the Wells Fargo Rewards portal.

Does the card offer travel insurance? 

While it does not offer comprehensive travel insurance, it includes basic travel assistance services and roadside dispatch.

CREDIT CARD

WELLS FARGO ACTIVE CASH

ZERO ANNUAL FEE UNLIMITED CASHBACK

GET CARD You will be redirected