Wells Fargo
Wells Fargo Active Cash® Credit Card
Key Features
| Annual Fee | $0.00 |
| Intro APR | 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. Balance transfers made within 120 days qualify for the intro rate and fee. |
| Regular APR | After that your variable APR will be 18.49%, 24.49% or 28.49%. |
| Other Fees | There is a 3% fee for each foreign transaction amount converted to U.S. dollars. Yes, typically there is a balance transfer fee associated with the Wells Fargo Active Cash Card. Any cash advance fees and interest charges that are associated with your credit card account would apply. Current fee for a standard service call will be confirmed at the time service is requested. |
| Network | Visa |
About this card
The Wells Fargo Active Cash card is a solid offering, meriting an overall rating of 3.8. Its primary strengths lie in its simple and valuable rewards program, particularly the unlimited 2% cash back on all purchases and the generous sign-up bonus. The absence of an annual fee further enhances its appeal. These factors make it an attractive option for users seeking a straightforward cash-back card for everyday spending. However, the relatively high regular APR range and the presence of a foreign transaction fee detract from its overall value. Additionally, the reputation of Wells Fargo as an issuer introduces a degree of hesitation for some consumers, despite the card's strong individual merits. Balancing these factors, the card is a good choice, particularly for those who prioritize cash back and avoid carrying a balance or using the card for international transactions.
Pros & Cons
What's great
- No annual fee
- Generous sign-up bonus
- Intro APR period
- Cashback on purchases
Things to consider
- High regular APR
- Foreign transaction fees apply
What this card offers
Sign-up bonuses
- Earn a $200 cash rewards bonus when you spend $500 in purchases in the first 3 months
Rewards
- Earn unlimited 2% cash rewards on purchases
Other features
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Pay for rental cars using an eligible card and get reimbursed for covered damage or theft.
- Available for covered Wells Fargo cardholders. Count on emergency assistance while traveling anywhere in the world. To learn more, call 1-800-992-6029. If you are outside the U.S., you can call collect: 1-804-673-1675.
- Available whenever you're in need of a tow - for eligible Wells Fargo cardholders 24/7 with no membership required. To learn more call 1-800-847-2869.
- Visa credit cardholders can get an emergency cash advance disbursed or a card replaced within one to three business days after issuer approval. Any cash advance fees and interest charges that are associated with your credit card account would apply.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It’s an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
- Built-in protection features ensure that you won't be held responsible for unauthorized transactions, as long as they're reported promptly.
- With Credit Close-Up you own the skills to help understand and track your FICO Score, raise it, or maintain it. Enroll to receive monthly FICO Score updates and personalized credit insights. It’s complimentary to Wells Fargo Online customers and using it won’t negatively affect your score.
- Check out with PayPal, and use your cash rewards for all or part of your eligible purchases.
- Redeem your points toward the cost of a past, eligible purchase.
- Redeem cash rewards for gift cards from over 250 merchants, including e-Gift cards as low as $10.
- Redeem cash rewards as a credit to your account, including eligible Wells Fargo credit card or checking accounts.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature Concierge.
- Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious properties.
- Cash rewards don’t expire while account is open.
- No categories to track or quarterly activations.
- Redeem for purchases as little as $1
Additional Notes
Offers may differ from time to time and depend on the marketing channel, such as phone, email, online, direct mail, or in branch. You must select Apply now to take advantage of this offer. You may not qualify for an additional Wells Fargo-branded consumer credit card if you have opened a Wells Fargo-branded consumer credit card in the last 6 months. You may not be eligible for introductory annual percentage rates, fees and/or rewards bonus offers if you have the card product you are applying for or opened one within the last 48 months from the date of the application – even if that account is closed and has a $0 balance.