Learn How to Apply for a Wells Fargo Active Cash Card

What Should You Consider Before Applying for the Wells Fargo Active Cash Card?

The Wells Fargo Active Cash Credit Card offers 2% unlimited cashback on all purchases and a $200 welcome bonus for new users!

The Wells Fargo Active Cash Credit Card stands out in the American market for its impressive reputation, earning accolades such as:

• Best Simple Cashback Credit Card by NerdWallet in 2022, 2023, and 2024.
• Best No Annual Fee Card in 2023 by The Ascent.
• Best Fixed-Rate Cashback Card in 2024 by Bankrate Awards.

This card offers an unlimited 2% cashback on every purchase, with flexible redemption options including gift cards, statement credits, direct cash deposits, ATM withdrawals, and even purchases through PayPal.

It further enhances its appeal by charging no annual fee and providing an introductory 0% APR for 15 months on qualifying purchases and balance transfers. Once the promotional period ends, the variable APR adjusts to 20.24%, 25.24%, or 29.99%, depending on creditworthiness, with a timeline of 120 days for balance transfer rates to apply.

Designed for everyday convenience, the card also includes premium Visa Signature benefits, such as concierge services and travel assistance, making it an excellent choice for both routine and extraordinary situations.

If the features of the Active Cash Credit Card align with your needs, read on to learn more about how to apply.

Who can Apply?

The eligibility requirements for the Wells Fargo Active Cash Credit Card are straightforward and in line with typical standards in the U.S., making it accessible to a broad audience.

Applicants need to be U.S. citizens or hold a valid work visa in the country, with all documentation updated and accurate, regardless of nationality.

They must also meet the minimum age requirement of 18, though in some states this age threshold may range from 19 to 21 years.

To qualify, applicants must demonstrate a verifiable income and possess a FICO score within the good to excellent range, generally starting at 670 points.

These factors—annual income and credit score—play a critical role not only in determining whether the application is approved but also in setting the card’s credit limits, ensuring they align with the applicant’s financial profile.

How do I Apply for the Wells Fargo Active Cash Card?

To apply for the Wells Fargo Active Cash Credit Card, start by clicking the ‘Apply Now’ button, which will direct you to the application form.

If you’re an existing Wells Fargo customer, logging in will automatically pre-fill your information, streamlining the process.

For new customers, you’ll need to provide the following details:

• Personal Information: Full name, Social Security number, date of birth, address, city, ZIP code, email, and phone number.
• Additional Details: Country of birth and a security question for account protection.
• Financial Information: Housing status (own, rent, or other), employment status (employed, self-employed, not employed, or retired), and total annual income.

You must also agree to Wells Fargo’s verification procedures. Once the application is complete, the bank will review it to determine approval or denial.

For assistance or questions during the process, you can contact Wells Fargo’s customer service team.

The system is designed for efficiency, offering quick responses to applicants, provided all information is submitted accurately. Submitting correct details reduces delays and ensures a smoother application process.

However, meeting all the requirements does not guarantee approval, as the final decision rests with Wells Fargo’s discretion and internal review policies.

More Details

Wells Fargo Active Cash provides a variety of additional perks, including cell phone protection of up to $600 for theft and damage, with a $25 deductible required for claims.

Cardholders also benefit from emergency travel assistance services and zero liability protection for promptly reported unauthorized transactions.

Through the My Wells Fargo Deals platform, users gain access to tailored offers and exclusive discounts, earning cashback on select purchases and events.

The Credit Close-Up feature allows cardholders to monitor their FICO score in real-time, complemented by 24/7 roadside dispatch services for towing assistance.

Additionally, Wells Fargo includes a collision damage waiver for rental cars, covering damage or theft during the rental period.

Want to learn another option?

If you’re seeking an alternative with attractive terms and up to 5% cashback in various categories, the U.S. Bank Cash+ Visa Signature Card could be a great choice.

The eligibility criteria for applicants are fairly comparable, and you can explore the steps to apply with ease.

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