Wells Fargo Active Cash® Card – Max rewards
The Wells Fargo Active Cash® Card gives 2% cash back on all purchases.
By: Fin Copilot
2% Cash Rewards
Earn 2% cash back on all purchases with no categories. Rewards never expire.
No Annual Fee
Get rewards with no annual fee. Great for daily use and big buys.
Introductory 0% APR
0% intro APR for 15 months on purchases and transfers. Then 19.99%-29.99% variable APR.
Sign-Up Bonus
Get $200 after spending $1,000 in 3 months. Easy bonus for spending.
Overview of the Wells Fargo Active Cash® Card
The Wells Fargo Active Cash® Card is a compelling choice for consumers who prioritize simplicity and consistent, high-value rewards. This card excels by offering unlimited 2% cash back on all purchases, regardless of the category or merchant. This straightforward earning structure eliminates the need to track rotating categories, making it a hassle-free method to maximize your returns on everyday spending. Importantly, this exceptional reward rate comes with no annual fee, ensuring that the value you earn is pure profit.New cardholders can take advantage of a competitive introductory offer, including a 0% introductory APR for 15 months on both purchases and qualifying balance transfers (followed by a $19.99\%$-$29.99\%$ variable APR). Furthermore, the card provides an attractive $\$200$ sign-up bonus after spending $\$1,000$ within the first three months. The combination of easy, steady rewards and strong promotional financing solidifies the Active Cash Card as a powerful and simple tool for both earning and expense management.
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What credit score is needed to qualify for the Wells Fargo Active Cash® Card?
Applicants typically need a good to excellent credit score, generally 670 or higher, to be considered for the Wells Fargo Active Cash® Card.
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Are there foreign transaction fees with the Wells Fargo Active Cash® Card?
Yes, the card charges a foreign transaction fee of 3% on purchases made outside the United States.
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How can I redeem my cash back rewards?
Cash back rewards can be redeemed through the Wells Fargo online portal as a statement credit, direct deposit into a Wells Fargo account, or as a paper check.
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Does the Wells Fargo Active Cash® Card offer any travel benefits?
While primarily a cash back card, it does offer travel benefits such as travel and emergency assistance services and auto rental collision damage waiver.
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Can I add an authorized user to my Wells Fargo Active Cash® Card?
Yes, you can add authorized users to your account. Their purchases will earn cash back rewards, which will be applied to the primary cardholder's account.
How to Apply for the Wells Fargo Active Cash® Card
The process to apply for the Wells Fargo Reflect® Card is designed with flexibility and convenience in mind, offering multiple avenues to suit the applicant's preference. The most efficient route is the secure online application available on the official Wells Fargo website, where you can easily submit your detailed personal and income information digitally. This method is optimized for speed and is the quickest way to initiate your request. For those who prefer a more personalized experience, you have the option to apply in person at any Wells Fargo branch, where a knowledgeable representative can guide you through the documentation and address any specific questions you may have. Alternatively, applications can also be processed by phone via the customer service line. Regardless of the method chosen, prospective applicants should be aware that the Reflect Card typically requires a good to excellent credit score for approval. By checking your standing beforehand, you manage expectations and optimize your chances of a successful outcome, with decisions usually arriving within a few business days.