Discover the Steps to Apply for a Wells Fargo Active Cash Card
Essential Insights Before You Apply for the Wells Fargo Active Cash Card
The Wells Fargo Active Cash Credit Card comes with two standout perks: an unlimited 2% cashback on every category and a bonus reward of $200!
The Wells Fargo card enjoys a strong reputation in the U.S. market, recognized for awards like:
- Best simple cashback card by NerdWallet for 2022, 2023, and 2024
- Best no annual fee card in 2023 as per The Ascent
- Best fixed-rate cashback card in 2024 by Bankrate Awards
This card features an unlimited 2% cashback on all purchases, redeemable via gift cards, purchase credits, cash deposits, ATM withdrawals, and even through PayPal.
Wells Fargo waives the annual maintenance fee for the Active Cash Credit Card and provides a 0% introductory APR for 15 months on eligible purchases and balance transfers.
Once the introductory phase ends, the variable APR varies between 20.24%, 25.24%, and 29.99%, applicable after 120 days for balance transfers.
This card is highly effective for daily use, featuring Visa Signature benefits like exclusive concierge services and travel assistance.
If you think the Active Cash card fits your needs, don’t stop here—keep reading!
Who Is Eligible to Apply?
The requirements for applying for the Wells Fargo Active Cash card are quite typical in the U.S. market, allowing a diverse group of applicants to qualify.
Applicants need to be U.S. citizens or hold valid work visas. It’s essential that all paperwork is current, regardless of the applicant’s nationality.
Moreover, they must be at least 18 years old, though this minimum age can differ by state, usually falling between 19 and 21.
Proof of income and a FICO score in the good to excellent range, generally starting at 670 points, are vital for securing credit approval.
Your yearly income and credit score will play a significant role in whether your credit card application gets approved or rejected, as well as the monthly spending limits you may receive.
How Can I Apply for the Wells Fargo Active Cash Card?
To begin the credit card application, simply click the ‘Apply Now’ button to access the application form.
If you’re already a banking customer, logging in will automatically fill in your details.
New customers will need to enter their full name, Social Security number, date of birth, address, city, ZIP code, email, and phone number.
You must also select your country of birth and provide an answer to a security question.
Additionally, 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.
In addition to this information, you must consent to Wells Fargo’s verification processes.
Once you’ve submitted all necessary information, the bank will evaluate your application to decide on its approval.
If you have any questions or need help, you can reach out to the bank’s customer service team. Wells Fargo’s application process is designed to be efficient, providing quick responses to customer inquiries.
The key is to ensure all information is provided accurately, which can help avoid corrections and save you time.
However, fulfilling these requirements doesn’t guarantee that you will be approved, as the final decision lies with Wells Fargo.
Additional Information
The Wells Fargo Active Cash card provides several additional perks, including cell phone protection of up to $600 against theft or damage, subject to a $25 activation deductible.
Wells Fargo offers emergency travel support services, including protection against unauthorized transactions, as long as they’re reported promptly.
With the My Wells Fargo Deals platform, you can access tailored offers and unique discounts that provide cash back on various purchases or events.
The Credit Close-up service grants real-time tracking of your FICO score and offers 24/7 roadside assistance for towing services.
Moreover, Wells Fargo provides a collision damage waiver for rental cars in the event of theft or damage.
Interested in exploring another option?
If you’re searching for another card with great terms and up to 5% cash back in various categories, the U.S. Bank Cash+ Visa Signature Card might be worth considering.
This means that the criteria for choosing cardholders are quite similar, and you can learn how to apply.
