The Wells Fargo Active Cash Credit Card is a standout in the cash back credit card category, offering unlimited 2% cash back on every purchase.
This card’s simplicity and attractive rewards make it ideal for anyone looking to earn cash back on everyday spending without worrying about tracking categories or paying an annual fee.
Here’s a closer look at the advantages of the Active Cash Credit Card, the requirements for approval, and how to apply.
Benefits of the Active Cash Credit Card
One of the biggest advantages of the Active Cash Credit Card is its straightforward 2% cash back on all purchases.
Unlike other cards that require tracking specific spending categories, the Active Cash Card offers a consistent rewards rate across all expenses, from groceries to travel bookings, making it perfect for anyone with a varied spending profile.
Here’s why this card can be an excellent addition to your wallet:
High Cash Back Rate: The 2% cash back rate applies to every purchase, meaning you don’t have to wait for promotional periods or adjust spending habits to earn optimal rewards.
No Annual Fee: Many cash back cards charge a yearly fee, but the Active Cash Credit Card has no annual cost, maximizing the value of the cash back earned.
Easy-to-Earn Welcome Bonus: New cardholders can receive a $200 bonus after spending $500 within the first three months. This is a competitive welcome offer that provides immediate benefits and extra cash.
Introductory 0% APR Offer: For the first 15 months, new cardholders enjoy a 0% APR on purchases and balance transfers, providing a flexible option for financing large purchases or consolidating higher-interest debts.
Flexible Redemption Options: Rewards are easy to redeem and can be used as statement credits, cash deposits into a Wells Fargo account, or even toward gift cards and travel. This flexibility allows you to tailor rewards to fit your financial goals.
Comprehensive Security: Wells Fargo offers robust security with fraud monitoring and 24/7 account alerts. With Visa benefits, cardholders can also access emergency services if their card is lost or stolen.
Requirements to Apply for the Wells Fargo Active Cash Credit Card
The Wells Fargo Active Cash Credit Card is a popular option, but there are certain eligibility requirements that applicants should meet to qualify:
Good to Excellent Credit Score: To increase your chances of approval, a credit score of at least 670 is recommended.
This score range signals good credit history and responsible borrowing behavior, making you an attractive candidate.
Minimum Age Requirement: Applicants must be at least 18 years old, or 19 if applying in Alabama or Nebraska.
Stable Income Source: Proof of steady income is essential, as Wells Fargo assesses each applicant’s financial capacity to manage monthly payments.
U.S. Residency: Applicants must be U.S. residents with a verifiable Social Security number.
This is standard for most U.S. credit cards and enables the bank to assess credit history accurately.
How to Apply for the Wells Fargo Active Cash Credit Card
Applying for the Wells Fargo Active Cash Credit Card is simple, and applicants can choose between online, in-person, and phone application options:
Gather Required Documentation: Before starting the application, ensure you have the following documents:
Social Security number, proof of income, identification (driver’s license or passport), and personal contact information.
Visit Wells Fargo’s Official Website: Go to the Wells Fargo website and find the Active Cash Credit Card page.
This page will have the “Apply Now” button, which takes you to the online application form.
Complete the Application Form: Fill out the form with accurate personal, financial, and employment information.
Wells Fargo will use this information to assess your creditworthiness.
Review and Submit: Carefully review all information, as errors can delay processing. After confirming the details, submit the application.
Many applicants receive a decision within minutes, while others may need additional verification, which can take a few days.
Check Your Application Status: You can check your application status by logging into the Wells Fargo website or calling their customer service line if you don’t receive an immediate response.
Receive and Activate Your Card: If approved, you’ll receive the card by mail within 7–10 business days.
Once it arrives, you can activate it through the Wells Fargo app, website, or customer service line.
The Wells Fargo Active Cash Credit Card provides high rewards, flexibility, and security, all without an annual fee.
It’s perfect for anyone wanting a high-reward card with straightforward terms, making it easy to earn 2% cash back on everything.
With no need to track categories and a strong introductory offer, the Active Cash Credit Card is a great tool for maximizing everyday purchases.