The Wells Fargo Active Cash® Card offers simplicity and value in cash back.
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The Wells Fargo Active Cash® Card is a standout option in the world of cash back credit cards, offering simplicity and value in one package.
Its unlimited 2% cash rewards on all purchases make it an ideal choice for anyone who wants to maximize their spending without the complexity of tracking categories.
Wells Fargo Active Cash® Card
2% on all purchases. Limited travel benefits.How Does the Wells Fargo Active Cash Card Work?
The Wells Fargo Active Cash Card operates on a straightforward rewards system, providing unlimited 2% cash back on every purchase. Unlike other cards that offer higher rewards in specific categories but lower rewards elsewhere, this card ensures consistent earning potential across all spending.
Cardholders can redeem their rewards in several ways, including statement credits, direct deposits to a Wells Fargo account, or as cash at Wells Fargo ATMs. This flexibility allows you to use your rewards in a way that best suits your financial needs.
One of the card’s key features is its 0% introductory APR for 15 months on purchases and qualifying balance transfers. This benefit can help you manage large expenses or consolidate high-interest debt without worrying about immediate interest charges. After the introductory period, a variable APR applies, so it’s crucial to plan your repayments accordingly.
Additional benefits include Visa Signature perks, which offer services like concierge assistance, travel benefits, and access to exclusive experiences. The card also comes with cell phone protection, reimbursing you for repair or replacement costs in case of damage or theft when you pay your phone bill with the card.
Main Benefits of the Wells Fargo Active Cash Card
The Wells Fargo Active Cash Card offers several standout features that make it a compelling choice for consumers seeking value and simplicity.
The unlimited 2% cash back on every purchase is undoubtedly the card’s primary attraction. Unlike other cards that require you to activate categories or cap rewards after a certain spending limit, the Active Cash Card ensures you earn consistently high rewards on all your spending.
The 0% introductory APR for 15 months on purchases and balance transfers is another significant benefit. This feature provides breathing room for managing large expenses or paying off existing debt, giving cardholders a cost-effective way to handle their finances.
No annual fee further enhances the card’s appeal, allowing you to enjoy its benefits without worrying about extra costs. The card also includes cell phone protection, a valuable feature for anyone who wants added peace of mind when it comes to their mobile device.
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Cons of the Wells Fargo Active Cash Card
While the Wells Fargo Active Cash Card offers numerous advantages, it does have some limitations.
One notable drawback is the 3% foreign transaction fee, which makes it less suitable for international travelers. If you frequently make purchases abroad, you may want to consider a card without foreign transaction fees.
Another limitation is the lack of bonus categories. While the unlimited 2% cash back is generous, some users may prefer cards that offer higher rewards in specific categories like dining, travel, or groceries.
Lastly, the card doesn’t provide extensive travel benefits such as airport lounge access or travel insurance, which may be a consideration for frequent travelers seeking premium perks.
APR and Fees
The Wells Fargo Active Cash Card features no annual fee, making it an affordable option for earning cash back rewards.
The card offers a 0% introductory APR for 15 months on purchases and qualifying balance transfers. After this period, a variable APR applies. A balance transfer fee of 3% (or 5% after the first 120 days) applies, so it’s essential to factor this into your decision if you’re considering transferring balances.
While the card is free of annual fees, the 3% foreign transaction fee is worth noting, as it can add up for users who frequently make purchases abroad.
How to Apply for the Wells Fargo Active Cash Card
Applying for the Wells Fargo Active Cash Card is a simple process that can be completed online.
Visit the Wells Fargo website and locate the Active Cash Card application page. Click on “Apply Now” and complete the form with your personal and financial details, including income, employment status, and Social Security number.
Once you’ve submitted the application, Wells Fargo will review your information and provide a decision, often within minutes. If approved, your card will arrive by mail within 7–10 business days. Activate your card online or by phone to start earning cash back on every purchase.
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