Many of us are looking for a very simple and straightforward credit card with no annual fee while also receiving rewards on different purchases. While there are a lot of credit cards that do offer those perks, there is only one that is the most affordable and the most convenient to use – the Wells Fargo Active Cash Card.
Only a few can match the features that this card has and with its jam-packed offerings, you will be constantly using this card for all of your purchases. Get cash rewards, zero annual fees, and more perks when you have the Wells Fargo Active Cash Card.
If you’re interested to learn more about this card, check out the article below.
Why Choose Wells Fargo Active Cash Card
One of the main reasons why people are going for the Wells Fargo Active Cash Card is its 2% unlimited cash rewards program.
The fact that it offers flat-rate cash rewards means that you’ll have a rewarding and guilt-free experience whenever you use the card for a simple purchase or transaction.
Unlike many other cards that offer the same feature, you can always choose your rewards in contrast to other cards that rotate their rewards every few months.
Speaking of cash rewards, you can get up to $104 in groceries, $44 in gas, and $74 in dining as rewards when you use the Wells Fargo Active Cash Card. You won’t ever need to pay an annual fee when you have this credit card.
Fees When Using Wells Fargo Active Cash Card
While the Wells Fargo Active Cash Card has no annual fee, you will still incur other fees when using this credit card. You’ll have a variable APR of 19.74%, 24.74%, or 29.74% depending on your creditworthiness but there is a way for you to have zero APR by checking out further details down below.
For balance transfers made within 120 days of opening your account, you will have a balance transfer fee of $5 or 3% of the total transferred amount, whichever is greater. After that, you will receive a fee of up to 5% of the amount of each balance transfer with a minimum of $5.
Late payment will be charged up to $40 and foreign currency conversion will be 3% of each transaction that is converted to US dollars. Cash advances will be charged $10 or 5% of the amount of each advance or whichever is greater.
Applying for Wells Fargo Active Cash Card
Applying for the Wells Fargo Active Cash Card is easy. All you need to do is to create an account on the official website and log in.
Select “Wells Fargo Active Cash Card” and click on “Apply”. Enter the details required for you to submit your application and attach any required document that is needed during the application.
Submit your application and wait for your approval. You can also head over to your nearest Wells Fargo branch and bring with you the required documents and apply personally. You will be assisted throughout the entire application process.
Take note that the approval timeline might take several business days.
Before you set out to apply, you will need to provide several documents such as proof of income, proof of residency, and others.
You also need to be 18 years old and above and a resident of the United States. Applicants should have a good source of income and a good credit history to be accepted for an application.
Make sure to bring and present all the necessary documents during your application to ensure that the process goes as smoothly as possible.
Benefits of Wells Fargo Active Cash Card
The Wells Fargo Active Cash Card offers some of the best cashback rewards programs and other promos. With the card, you can earn up to 2% cash rewards on purchases without any limitations to the kind of reward that you want to get.
Use the card for simple purchases like grocery items or book your next travel destination and you’ll earn rewards.
You can redeem your rewards by covering purchases charged to your card or you can use it as a statement credit to pay for your loan or mortgage. You can also redeem your rewards in increments of $20 at any Wells Fargo ATM or cash in your rewards using gift cards.
Lastly, you can also use your rewards to book discounted flights which include airline tickets. These rewards do not have an expiration date so you can always earn and redeem them at any time.
Cardholder Protections and Security
Apart from the cashback rewards and promotions, the Wells Fargo Active Cash Card also offers protection and security. When you pay your phone bill using the card, you immediately receive phone protection coverage which means that you can claim up to $600 against theft or damage to your phone.
You can also call for road dispatch in case you have a flat tire or need a tire change. Additionally, the card also offers 24/7 travel and emergency assistance to the cardholder.
This allows you to get help especially when you’re in an emergency. Lastly, you’ll also gain emergency card disbursement or replacement. If ever your credit card gets stolen or lost, this feature will get you another card within 24 hours after reporting the incident.
Interest Rates for Wells Fargo Active Cash Card
Another great benefit you get from having the Wells Fargo Active Cash Card is its introductory APR. In the first 15 months since you received your card, you will have 0% APR on all purchases and qualifying balance transfers.
After that, you will have a variable APR of 19.74 to 29.74% depending on your creditworthiness.
This is a great opportunity for you to make a large purchase in the first 15 months of owning the credit card as you won’t pay any additional interest charges or fees. This allows you to pay off your debt without dealing with fees that you cannot afford.
Make sure to take full advantage of this offer as this starts when you get your card approved and not on your first purchase.
Contacting Wells Fargo for More Information
If you’re fully interested in applying for the card, it is best that you also contact them for more information. You can call them by phone at 800-642-4720 or send mail using the address Wells Fargo Bank, N.A., P.O. Box 10347, Des Moines, IA 50306-0347.
You can also head over to their official website and log in to your account and chat with a representative to learn more about the card.
You can visit any nearby branch in your area or contact their main office at 420 Montgomery Street San Francisco, CA 94104.
The Wells Fargo Active Cash Card should always be on your radar if you’re looking for a card that offers a good amount of cash rewards, a solid welcome offer, and zero annual fees. Alongside a handful of perks and benefits, it is easily one of those credit cards that can help save you more money.
Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.