The Wells Fargo Active Cash Credit Card is the perfect choice for those seeking simplicity and efficiency in earning rewards. With a fixed 2% cashback rate on all purchases, this card stands out for not requiring the management of rotating categories.
In addition to cashback, it offers a range of additional benefits that make this card even more attractive. Among these are cell phone protection and a generous welcome offer, all without an annual fee.
If you want to learn more about what this payment method can offer and how it compares to other cards, keep reading to discover all the benefits, fees, and how to apply for yours.
About the Issuer
Wells Fargo is one of the largest and most respected financial institutions in the United States, with a history dating back to the 19th century. By choosing the Wells Fargo Active Cash, you benefit from the stability and reliability of a bank with millions of customers and a vast network of branches.
The key word for those seeking security and efficiency in their financial transactions is Wells Fargo. In addition to being a recognized issuer, the bank is known for offering a wide range of financial products and services, including the Wells Fargo Active Cash.
Choosing the Wells Fargo Active Cash credit card means opting for a card issued by an institution with decades of experience and an unwavering commitment to customer satisfaction.
Benefits
2% Cashback on All Purchases: The card offers a fixed rate of 2% cashback on all purchases. This means that, regardless of what you buy, you’ll always receive 2% back.
Welcome Offer: Spend $500 in the first three months after account opening and receive a $200 cashback bonus. This is a generous incentive that can be easily achieved, making it appealing for new users.
Cell Phone Protection: When you pay your cell phone bill with the Wells Fargo Active Cash, you receive up to $600 coverage against damage or theft. This benefit can be used for up to two claims per year, with a $25 deductible per occurrence.
0% Initial APR: The card offers 0% introductory APR for 15 months on purchases and balance transfers, ideal for those planning to make large purchases or transfer balances from other credit cards.
No Annual Fee: The card does not charge an annual fee, meaning you can enjoy all the benefits without additional costs. This is a significant advantage for those looking to maximize the value of their rewards without worrying about hidden fees.
Fraud Protection: The card includes Wells Fargo’s zero-liability policy, ensuring you won’t be held responsible for unauthorized transactions. Additionally, the bank offers continuous monitoring to detect any suspicious activity.
Access to Visa Signature Concierge: As part of the Visa Signature program, you have access to a 24/7 concierge service for assistance with travel reservations, restaurants, and more.
Wells Fargo Active Cash Credit Card – Fees and commissions
This card does not charge an annual fee, which is a major advantage for those seeking an economical card. The interest rate varies between 20.24%, 25.24%, and 29.99%, depending on your credit history. Additionally, there is a 3% international transaction fee, which should be considered if you plan to use the card outside the US.
It’s important to remember that credit card fees may change without prior notice, so it’s always important to check the current terms on Wells Fargo’s official website before applying.
Card limit
The credit limit for the Wells Fargo Active Cash is determined based on an analysis of your credit history. Generally, those with good credit can expect a higher initial limit.
However, the bank is known for reviewing and increasing credit limits over time as the user demonstrates responsible card use. Having a good credit limit is crucial for maintaining healthy credit utilization, which can further improve your credit score.
Positive points
- Simplified Cashback:Earn 2% on all purchases.
- No Annual Fee:Save on annual fees.
- Cell Phone Protection:Additional security at no extra cost.
Negative points
- International Transaction Fee:3% on purchases outside the US.
- No Bonus Categories:Fixed rewards, no multipliers.
- Variable Credit Limit:Depends on credit history.
How to apply for Wells Fargo Active Cash Credit Card
- Visit the official Wells Fargo website;
- Navigate to the credit card section;
- Choose the Wells Fargo Active Cash credit card;
- Click on “Apply Now”;
- The application form will open, and you must complete it in full;
- Review the terms and conditions before submitting;
- Submit your application and wait for the bank’s response.
How to contact Wells Fargo
For support with the Wells Fargo Active Cash:
- Phone: 1-925-825-7600 for international support, 1-800-642-4720 for support in the US.
- Branch: Visit a Wells Fargo branch.
The Wells Fargo Active Cash Credit Card combines simplicity and efficiency in an attractive package for those who want to maximize their rewards without complications. Visit the Wells Fargo website now and apply for yours to start earning cashback!
