How to apply to Wells Fargo Active Cash Visa Credit Card

The Wells Fargo Active Cash® Card offers a straightforward way to earn unlimited 2% cash rewards on every purchase with no category restrictions. With no annual fee, new cardholders can earn a $200 cash bonus after meeting minimum spend requirements. Keep reading to learn more about this top cash back card.

Packed with benefits like cell phone protection, intro 0% APR, and access to Visa Signature perks, the Active Cash Card provides exceptional value. Continue below for more details on how this card can earn you cash back.

Benefits of Wells Fargo Active Cash Credit Card

With a host of valuable features, the Wells Fargo Active Cash Card has something for every type of cardholder. Benefits include:

• Unlimited 2% cash back earned on all purchases with no caps or category limitations
• Lucrative $200 cash rewards bonus after spending just $500 in the first 3 months
• 0% intro APR for 15 months on purchases and qualifying balance transfers
• Cell phone protection covers damage and theft when paying cell bill with card
• Contactless tap-to-pay technology for faster checkout
• Visa Signature benefits like rental car insurance, roadside dispatch, and more
• No annual fee provides ongoing savings

With perks tailored for shopping, travel, and saving money, it’s easy to take advantage of this card.

Prerequisites

To qualify for the Wells Fargo Active Cash Card, applicants need good to excellent credit (FICO scores generally above 670). Meeting the minimum credit criteria helps ensure approval for the card’s most competitive rates and terms.

Ideal candidates will have a credit history spanning over 5 years with diverse credit mix. This includes auto loans, mortgages, student loans, or other credit cards in good standing without missed payments. Robust credit history proves responsible usage over time.

However, lack of extensive history doesn’t automatically disqualify. Many are approved via Wells Fargo’s pre-qualification tool indicating likely success before formal application. Pre-qualifying gives the chance to view potential rates and limits while protecting credit scores from hard inquiry dings. This allows smart decisions before committing to apply.

About Wells Fargo

Offering the Active Cash Card, Wells Fargo is one of the largest financial institutions in the U.S. Founded in 1852 during the California Gold Rush, Wells Fargo has grown to over $1.9 trillion in assets spanning banking, investment, and retirement services.

With over 5,000 brick-and-mortar locations across the country, Wells Fargo maintains a national reputation for service and security. In tandem with its online and mobile apps, customers benefit from robust account access and features.

Wells Fargo’s longevity and scale anchor the Active Cash Card with stability and resources. Customers can feel confident in both the issuer and in earning unlimited 2% cash rewards.

Who is this card for?

The Wells Fargo Active Cash Card is ideal for consumers who want to maximize cash rewards without worrying about rotating categories or earning caps. With unlimited 2% cash back and no annual fee, it suits all spending levels and lifestyles.

It’s well-suited for everyday purchases like gas, groceries, dining, and more. The flat rate also makes budgeting easy since rewards don’t fluctuate. This card provides value whether you are a modest spender or make frequent online purchases, bill payments, etc.

With no foreign transaction fee, this card also works for international travelers who don’t want rewards diluted by such fees. Overall, the unrestricted rewards structure appeals to anyone desiring simple, steady cash earnings.

Step by step to apply for the card

Applying for the Wells Fargo Active Cash Card is easy and can be initiated online:

1. Go to the Secure Application Page
2. Click “Apply Now”
3. Provide personal information including name, address, date of birth, Social Security Number
4. Confirm account permissions for credit report access
5. Supply income, housing, and contact information
6. Submit application for review

Check application status frequently during review period. Additional documents may be requested before final decision.

PRESS TO HERE TO ACCESS WELLS FARGO ACTIVE CASH CREDIT CARD WEBSITE

Positives and negatives of the card

With no annual fee, unlimited 2% cash rewards on every purchase, and a lucrative sign-up bonus, the positives are plentiful with the Wells Fargo Active Cash Card. The straightforward earnings make it easy to maximize rewards value without needing to track rotating bonus categories every quarter. Cell phone protection, Visa Signature perks, and intro 0% APR period on purchases and balance transfers provide additional long-term value from perks, savings, and security measures.

There are very few downsides to the Wells Fargo Active Cash Card, especially given the unlimited 2% cash back earnings rate. However, there are cards that offer better intro bonuses and higher rewards potential in select categories like travel, dining, and entertainment. It also lacks some benefits provided by other cash back cards like Lyft Pink membership, credits towards streaming/cell services, or complimentary hotel stays. But overall, the pros strongly outweigh the cons for a flat-rate, no-fee cash back card.

How to unlock the card?

Follow these steps once you receive your Wells Fargo Active Cash Card:

1. Call the number on the back of your card (1-800-869-3557) to activate it and set your PIN
2. The automated system will guide you through selection of a 4-digit PIN
3. You will then need to enable text or email alerts to confirm your identity
4. Register your card on the Wells Fargo website for full account access
5. Use your PIN to unlock cash advance capabilities at ATMs
6. Activate contactless tap-to-pay by using the chip side at payment terminals

Once unlocked, your card is ready for purchases online, in-stores, and at ATMs! Remember your PIN to access cash advances.

Fees and Tariffs

The Wells Fargo Active Cash Card has no annual fee and offers a 0% intro APR period for the first 15 months (then 20.24%-29.99% Variable APR). It charges:

• 3% foreign transaction fee on international purchases
• Balance transfer fee of 3% ($5 minimum) for 120 days, then 5%
• Cash advance fee of 5% of the transaction ($10 minimum)
• Overlimit fee of $39 unless you opt-in to overlimit service

There are no hidden fees, so you won’t be surprised by any extra costs. Read terms for full details.

Customer Service

If any questions come up about the Wells Fargo Active Cash Card, contact customer service via:

• Phone: Call 1-800-869-3557, 24/7
• Online: Send secure messages by logging into your account
• Mobile App: Connect through the app’s messaging center

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• Mail: Wells Fargo Card Services PO Box 10347 Des Moines, IA 50306

Reach out for personalized support regarding APRs, benefits, statements, transactions, payments, and card management.

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