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 offers two standout perks: unlimited 2% cashback across all categories and a $200 bonus reward!
The Wells Fargo card is highly regarded in the American market, receiving accolades such as:
- Best simple cashback 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 all purchases, redeemable via gift cards, cash deposits, and even PayPal.
Wells Fargo charges no annual fee for the Active Cash Credit Card and also provides a 0% introductory APR for the first 15 months on eligible purchases and balance transfers.
After the introductory phase, the variable APR ranges from 20.24% to 29.99%, applicable after 120 days for balance transfers.
This card is perfect for daily use, featuring Visa Signature benefits like exclusive concierge services and travel assistance.
If you think the Active Cash is right for you, keep reading.
Who Is Eligible to Apply?
The eligibility requirements for the Wells Fargo Active Cash card are generally inclusive, making it accessible to many.
Applicants must either be U.S. citizens or hold valid work visas, ensuring all documentation is current, no matter the applicant’s nationality.
Additionally, applicants should be at least 18 years old, though this age requirement might vary between states, usually between 19 and 21.
A verifiable income and a FICO score typically starting at 670 points are essential for obtaining credit approval.
Your annual income and credit score will not just affect the approval of your card application but will also set the monthly spending limits.
How Can I Apply for the Wells Fargo Active Cash Card?
To begin the application for a credit card, just click the ‘Apply Now’ button to access the application form.
If you’re already a banking customer, logging in will fill in your information automatically.
If you’re new to the bank, you’ll need to provide your full name, Social Security number, date of birth, address, city, ZIP code, email, and phone number.
Additionally, you will be required to choose your country of birth and answer a security question.
You’ll also need to specify your housing situation (owning, renting, or other) and your employment status (employed, self-employed, unemployed, or retired), along with your annual income.
Along with this information, you must agree to Wells Fargo’s verification processes.
Once you’ve submitted the necessary details, the bank will review your application to decide on approval or denial.
If you have questions or need help, you can reach out to the bank’s customer service department. Wells Fargo’s enrollment system is quite effective, often providing swift responses to customer queries.
It’s crucial to fill in all the required information correctly to reduce the chances of needing to make corrections, thus saving time.
Nonetheless, fulfilling these criteria does not guarantee approval, as the final decision rests with Wells Fargo.
Additional Information
The Wells Fargo Active Cash card provides a variety of additional perks, including cell phone protection of up to $600 for theft or damage, with a $25 deductible to activate.
Wells Fargo provides emergency travel support, including zero liability coverage for unauthorized transactions that are promptly reported.
With My Wells Fargo Deals, you can enjoy tailored offers and special discounts that provide cashback on various purchases and events.
The Credit Close-up service allows you to keep an eye on your FICO score in real-time, plus offers 24/7 roadside assistance for towing needs.
Additionally, Wells Fargo provides a collision damage waiver for car rentals to cover any damage or theft that may occur.
Curious about another choice?
If you’re searching for an alternative with favorable terms and up to 5% cashback across various categories, consider the U.S. Bank Cash+ Visa Signature Card.
Thus, the criteria for selecting cardholders are quite similar, and you can learn how to apply.
