Written Best for
- Travelers
- Cash Back Seekers
- Everyday Spending
- Online Shopping
- Rewards Points Enthusiasts
Considerations
- Interest Rates
- Sign-Up Bonus
- Credit Score Requirements
- Security Features (Fraud Protection, EMV Chip, etc.)
Pros
- $300 annual travel credit is incredibly flexible
- Generous welcome bonus
- Get 50% more value when you redeem points for travel through Chase
- Points Transfer to valuable airline and hotel partners
Cons
- Annual fee
- No intro APR offer
- Best travel earning rates are only for bookings through Chase
- 50+ Credit Cards Ranked
- 2000 Data Points Collected
- 10 Levels of Rank Checking
- 25+ Categories Considered
At MyCreditCardLab, we value your trust above all else. We earn it with careful, fair analysis. We are fully transparent. We stick to strict editorial standards and independence. Your confidence in our content is our top priority.
See our full methodologyIn This Review
Review: Wells Fargo Active Cash® Card
Get in-depth credit card reviews covering features, benefits, fees, and rewards. Make informed decisions and find the perfect card for your financial goals.
For more information see our credit card score explanation here.At Lootrs, we put each card to the score.
We score Wells Fargo Active Cash® Card 10 different factors that impact the benefits and rewards of the cards. scoring categories include:
| Credit Cards Review | Rating |
|---|---|
| Intro APR | Very Good |
| Regular APR | Excellent |
| Annual Fee | Exceptional |
| Welcome Bonus | Very Good |
| Rewards | Very Good |
| Benefits | Good |
| Recommended Credit Score | Very Good |
| Foreign Transaction Fee | Fair |
| Cash Advance Fee | Very Good |
| Balance Transfer Fee | Good |
Who can apply for Wells Fargo Active Cash® Card?
We have categorized Wells Fargo Active Cash® Card 4 main useful user criteria. it's applied using the Lootrs methodology.
How is Wells Fargo Active Cash® Card Different?
The Wells Fargo Active Cash® Card stands out for its unlimited 2% cash back on purchases. This rate is higher than many other cards. It also offers a $200 cash bonus after you spend $1,000 in the first 3 months.
Additionally, it offers a competitive 0% intro APR period for purchases. It also offers a 0% intro APR period for balance transfers.
Wells Fargo Active Cash® Card Annual Fee
Card type: Cash Back Credit Cards
Issuer Name: Wells Fargo
No annual fee
The Wells Fargo Active Cash® credit card has an annual fee of $0. It offers benefits and rewards tailored to your spending habits. Enjoy perks such as cash back, travel rewards, or points on every purchase. This makes it a valuable addition to your wallet.
Welcome Bonus
You can earn a $200 cash bonus. To get it, spend $500 on purchases in the first 3 months. This incentive encourages early card usage. It helps new cardholders with extra savings.
Upon meeting the spending threshold, you get a $200 cash bonus. It is credited to the account, adding value and improving the cardholder experience.
This offer is a lucrative welcome bonus. It lets cardholders unlimited 2% cash earn rewards from their everyday spending. Cardholders must review the terms.
APRs: Wells Fargo Active Cash® Card
Explore credit card APRs to understand borrowing costs. Learn how APRs vary for purchases, balance transfers, and cash advances. This is crucial for informed financial choices.
The table below shows the types of each APR brief description for the Wells Fargo Active Cash® Card.
| Type of APR | Rating |
|---|---|
| Intro APR - 0% intro APR on Purchases for first 15 months and 0% intro APR on Balance Transfers for first 15 months on qualifying balance transfers | 9.4/10Very Good |
| Regular APR - 20.24%, 25.24%, or 29.99% Variable APR | 9.6/10Excellent |
| Purchase - 20.24%, 25.24%, or 29.99% Variable APR | 8.2/10Good |
| Balance transfer - 21.49%–28.49% variable, plus a fee of either $5 or 5% of the amount of each transfer, whichever is greater | 7.8/10Good |
| Cash advance - 29.99% variable, plus a fee of either $10 or 5% of the amount of each transaction, whichever is greater | 9/10Very Good |
| Penalty - None | 10/10Exceptional |
Wells Fargo Active Cash® Card Benefits
Certainly! Here's a table. It shows the benefits of the Wells Fargo Active Cash® credit card:
| Benefits | Score |
|---|---|
| Cellphone protection Get peace of mind with free cellphone protection. You get it when you pay your cellphone bill with the Active Cash card each month. It protects against damage and theft. It covers up to $600 per claim. The deductible is $25. Other cards have a $50 deductible. |
10/10Exceptional |
| Visa perks Unlock exclusive Visa perks with the Wells Fargo Active Cash® Card. Access Visa Concierge for help with travel, dining, and event tickets. Also, enjoy the Visa Signature Luxury Hotel Collection. It offers special benefits. These include room upgrades, free breakfast, and more at select hotels. |
8.6/10Very Good |
| Unlimited Cash Back Earn unlimited 2% cash back on purchases with no categories or caps. 2% is a very good reward point. especially if you have daily or frequent online purchase so this card is best for you. earn reward points you can utilize for others you need. it's good saving for you. |
8.5/10Very Good |
| No Annual Fee Experience the card's benefits without worrying about an annual fee. |
10/10Exceptional |
| Introductory APR You benefit from an introductory APR on purchases and balance transfers. It lasts for first 15 months. Also for balance transfer 3% for 120 days from account opening. |
9.3/10Very Good |
Wells Fargo Active Cash® Card Rewards
Wells Fargo Active Cash® Card Rewards program is renowned for its flexibility in credit currency. Explore various redemption options for your earnings, including:
- Wells Fargo Active Cash® Card earns unlimited 2% cash rewards on all purchases.
Earn 2% unlimited cash-back rewards with the Wells Fargo Active Cash® Card on all purchases, with no categories or caps to worry about. That is the best part of this card.
This card is most popular for college students because of $0 annually free. That includes groceries, online, dining out, and everyday purchases. Plus, there are no rotating categories or limits on how much you can earn.
So, you can use your cash back however you want. Redeem your rewards for statement credits or deposits into your Wells Fargo account. You can also get travel, gift cards, and more. Experience the freedom of unlimited cash back with the Wells Fargo Active Cash® Card.
Wells Fargo Active Cash® Card Rewards Potential
| Category | Cash Back Percentage | Estimated Annual Spend | Estimated Annual Earnings |
|---|---|---|---|
| All Purchases | 2% | $10,000 | $200 |
Total Estimated Annual Spend: $10,000
Total Estimated Annual Earnings: $200
Recommended Credit Score
Credit Score : 690 - 850 (Fair - Exceptional)
We evaluate credit card options based on FICO credit scores. We ensure tailored recommendations that match your financial profile.
For more information see our FICO Recommended credit score Rating explanation here.To qualify for the Wells Fargo Active Cash® Card, it's ideal to have a credit score ranging from 690 (Fair) to 850 (Exceptional). This ensures eligibility for tailored benefits and rewards that suit your credit profile. Apply today to access exclusive perks and elevate your credit card experience with us.
Compare The Wells Fargo Active Cash® Card vs. Other Popular Cards
Compare credit cards effortlessly to find the ideal match for your financial goals. Explore features, rewards, fees, and more to make informed decisions and maximize your benefits. You might want cash back, travel rewards, or low APR. Our tool makes it easy. It lets you compare many cards at once.
You have comprehensive information at your fingertips. You can select the card that best fits your spending and preferences. Take control of your finances. Find the perfect credit card for your needs with our easy comparison platform.
Wells Fargo Active Cash® Card
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Discover it® Student Cash Back Card
|
Ink Business Cash® Card
|
|---|---|---|
| 8.7MyCreditCardLab Score |
9.0MyCreditCardLab Score MyCreditCardLab Score 9.0We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score. |
8.9MyCreditCardLab Score MyCreditCardLab Score 8.9We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score. |
| ANNUAL FEE | ||
| $0 | $0 | $0 |
| INTRO APR | ||
| 0% on Purchases and Balance Transfers for first 15 months | 0% intro APR for 6 months | 0% for 12 months from account opening date |
| REGULAR APR | ||
| 20.24%, 25.24%, or 29.99% Variable APR | 18.24% - 27.24% Variable APR | 18.49% - 24.49% Variable |
| WELCOME BONUS | ||
| Earn a $200 cash rewards bonus after spending $500 in the first 3 months. | Discover will match all cash back earned at the end of your first year with the card. | Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening |
| REWARDS | ||
| Unlimited 2% cash rewards on purchases. | 5% cash back on rotating quarterly bonus categories | You get 5% cash back on the first $25,000 spent. This is for combined purchases at office supply stores and on internet, cable, and phone services. |
| BENEFITS | ||
| Cell phone protection, Access Luxury Hotel | Choice of card designs, Text and email alerts | Purchase protection, Travel and emergency assistance services |
| CASH ADVANCE FEE / APR | ||
| 5% (min $10) / 29.99% | 5% (min $10) / 18.24% - 27.24% Variable | 5% (min $15) / 29.99% |
| BALANCE TRANSFER FEE | ||
| Either $5 or 5% of the amount of each transfer, whichever is greater. | 10.99% APR on Balance Transfers for 6 months, and then 18.24%-27.24% Variable APR | Either $5 or 5% of the amount of each transfer, whichever is greater |
| RECOMMENDED CREDIT SCORE | ||
| 690 - 850 (Fair - Exceptional) | 630 - 689 (Poor - Fair) | 690 - 850 (Fair - Exceptional) |
| FOREIGN TRANSACTION FEE | ||
| 3% | None | 3% |
| BEST FOR | ||
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| More Details Compare | More Details Compare |
Wells Fargo Credit Card Login
Follow these easy steps:
Step 1. Go to the Login Wells Fargo Credit Card page via the official link.
Step 2. Log in using your username and password. The login screen appears upon successful login.
Step 3. If you still can’t access Wells Fargo Credit Card Login then see forgot your username and password option.
Frequently Asked Questions (FAQs)
Still have questions? Check out some of the top FAQs on the Wells Fargo Active Cash® credit card below and get the answers you're looking for.
Wells Fargo Active Cash® Credit Card offers various benefits, including cashback rewards, travel perks, introductory offers, and additional features like purchase protection and fraud prevention.
Wells Fargo does not offer recommendations on its website regarding minimum credit scores, but they do recommend that applicants have good to excellent credit scores for the Wells Fargo Active Cash® credit card.
FICO defines a credit score of 670-739 as "Good" 740-799 as "Very Good" and 800 and above as "Exceptional" Applicants aiming for approval may have higher chances with a credit score closer to the "Very Good" range or higher.
You can apply online, through the Wells Fargo app, through major credit card sites, through the mail or at a Wells Fargo branch.
Yes, if you:
Want to avoid an annual fee.
Seek a competitive cash rewards rate and benefits.
Need to carry or transfer a balance.
