Discover the Steps to Apply for a Wells Fargo Active Cash Card
Key Points to Consider Before Applying for the Wells Fargo Active Cash Card
With the Wells Fargo Active Cash Credit Card, you get two standout perks: 2% cashback on virtually all purchases and a generous bonus of $200!
Renowned in the U.S. market, the Wells Fargo card has received multiple accolades, including:
- Best simple cashback credit card by NerdWallet (2022-2024)
- Best no annual fee card (2023) by The Ascent
- Best fixed-rate cashback card (2024) by Bankrate
This card offers an unlimited 2% cashback on every purchase, redeemable through various methods like gift cards, cash deposits, and even PayPal.
Wells Fargo waives the annual fee for the Active Cash Credit Card and provides a 0% introductory APR for 15 months on qualifying purchases and balance transfers.
Post-introductory period, the variable APR will range from 20.24% to 29.99%, with a 120-day grace period for balance transfers.
This card excels in day-to-day use, offering the Visa Signature with premium concierge services and travel assistance.
If you think the Active Cash card might fit your needs, keep reading!
Who is Eligible to Apply?
The eligibility criteria for the Wells Fargo Active Cash card are generally inclusive, making it accessible to many.
Applicants must be U.S. citizens or hold valid work visas, ensuring that all documents are current, regardless of nationality.
They should also be at least 18 years old, although the minimum age may vary by state, often between 19 and 21.
Verifiable income and a FICO score in the good to excellent range (usually starting at 670) are essential for credit approval.
Your annual income and credit rating will significantly affect your credit card application outcome, as well as your monthly spending limits.
How to Apply for the Wells Fargo Active Cash Card?
To begin your credit card application, simply click the ‘Apply Now’ button to access the application form.
If you’re a current banking customer, logging in will automatically fill in your details.
New customers need to input their full name, Social Security number, date of birth, address, city, ZIP code, email, and phone number.
You will also have to choose your country of birth and respond to a security question.
In addition, you need to specify your housing situation (own, rent, or other) and your employment status (employed, self-employed, unemployed, or retired), along with your total annual income.
Along with this information, you must consent to Wells Fargo’s verification procedures.
Once you submit all required information, the bank will review your application for approval or denial.
If you have any questions or need help, you can reach out to the bank’s customer service. Wells Fargo’s enrollment system is designed to provide quick responses to customer inquiries.
The key is to accurately provide all necessary information to reduce corrections and save time.
However, fulfilling these requirements doesn’t guarantee approval, as the final decision rests with Wells Fargo.
Additional Information
The Wells Fargo Active Cash card provides a variety of added perks, including cell phone coverage up to $600 against theft or damage, with a $25 deductible.
Wells Fargo provides emergency travel assistance, along with zero liability coverage for unauthorized transactions reported promptly.
The My Wells Fargo Deals platform offers tailored promotions and special cashback discounts on purchases or events.
The Credit Close-up feature enables real-time tracking of your FICO score and provides roadside assistance for towing around the clock.
Additionally, Wells Fargo includes a collision damage waiver for rental cars in case of theft or damage.
Curious about another option?
If you seek another card with favorable terms and cashback of up to 5% in various categories, consider the U.S. Bank Cash+ Visa Signature Card.
This way, the criteria for selecting cardholders are quite alike, and you can find out how to apply.
