Key Insights Before Applying for the Wells Fargo Active Cash Card

The Wells Fargo Active Cash Credit Card offers two standout features: 2% unlimited cashback on every purchase and a $200 sign-up bonus!

The Wells Fargo card enjoys a strong reputation in the U.S., receiving recognitions such as:

• Best cashback credit card by NerdWallet (2022-2024)
• Top no annual fee card in 2023 by The Ascent
• Best fixed-rate cashback card 2024 by Bankrate

This card offers unlimited 2% cashback on all purchases, with redemption options including gift cards, cash credits, and even PayPal.

Wells Fargo waives the annual fee for the Active Cash Credit Card, plus it offers a 0% introductory APR for 15 months on eligible purchases and balance transfers.

Post-introductory period, the variable APR can range from 20.24% to 29.99%, applicable after 120 days for balance transfers.

This card excels in daily use, offering Visa Signature perks like concierge services and travel assistance.

Think the Active Cash card might be right for you? Read on!

Who is Eligible to Apply?

The criteria for eligibility to obtain the Wells Fargo Active Cash card is generally straightforward, making it accessible to many.

Applicants should be U.S. citizens or have valid work visas. It’s essential to ensure that all documentation is current, regardless of nationality. 

They must also be at least 18 years old, although the minimum age varies by state, often between 19 and 21.

Having verifiable income and a FICO score in the good to excellent range, typically starting at 670, is vital for credit approval.

Your income and credit score play a crucial role in the approval process for your card application, as well as in setting your monthly spending limits.

How to Apply for the Wells Fargo Active Cash Card?

To begin the process of applying for a credit card, simply click the ‘Apply Now’ button to access the application form.

If you’re already a banking customer, logging in will fill in your details automatically.

If you’re new to the bank, be prepared to provide your full name, Social Security number, date of birth, address, city, ZIP code, email, and phone number.

Additionally, you must select your country of birth and answer a security question for verification.

You will also need to specify your housing situation (owning, renting, or other) and your employment status (employed, self-employed, unemployed, or retired), along with your total annual income.

Along with this information, you must agree to Wells Fargo’s verification policies.

After you submit the necessary details, the bank will review your application to decide if it’s approved or denied.

If you have any questions or need help, you can reach out to the bank’s customer service team. Wells Fargo’s enrollment system is quite effective in providing rapid responses to potential customer inquiries.

It’s crucial to provide all required information accurately to reduce the need for corrections and save time in the process.

Keep in mind that fulfilling these criteria doesn’t guarantee approval; the final decision lies with Wells Fargo.

Additional Information

The Wells Fargo Active Cash card comes with a variety of additional perks, including cell phone protection of up to $600 against theft and damage, with a $25 deductible applicable for activation.

Wells Fargo provides emergency travel assistance services, along with zero liability protection for unauthorized transactions that are reported promptly.

With My Wells Fargo Deals, you can access tailored offers and exclusive discounts that provide cashback on various purchases or events.

The Credit Close-up service monitors your FICO score in real-time and provides 24/7 roadside dispatch for towing needs.

Additionally, Wells Fargo includes a collision damage waiver for rental cars in case of theft or damage.

Interested in another option?

If you’re in search of an alternative with favorable terms and up to 5% cashback in various categories, consider the U.S. Bank Cash+ Visa Signature Card.

The criteria for selecting cardholders are quite similar, and you can find out how to apply.