Wells Fargo Active Cash® Card
The Wells Fargo Active Cash® Card offers 2% cash back, no annual fee, and extra perks for everyday use.
By: Zienic
Unlimited 2% Cash Rewards
Earn unlimited 2% cash rewards on every purchase, with no categories to track or limits on how much you can earn.
$200 Welcome Bonus
Receive a $200 cash rewards bonus after spending $500 in purchases within the first 3 months.
No Annual Fee
Enjoy all the rewards and benefits of the Wells Fargo Active Cash® Card with no annual fee to worry about.
Extra Perks and Protection
Get additional value with cell phone protection, Visa Signature benefits, and flexible redemption options for your rewards.
Cash Back Made Simple: Wells Fargo Active Cash® Card
The Wells Fargo Active Cash® Card is tailored for individuals who want to maximize rewards without overcomplicating their spending strategy. Unlike cards that offer rotating categories or restrictive reward structures, this card delivers an unlimited 2% cash rewards rate on every single purchase. Whether you are paying bills, dining out, shopping online, or filling up at the gas station, you’ll consistently earn cashback without needing to track categories. Another standout feature is the welcome bonus: new cardholders can earn a $200 cash rewards bonus after spending $500 in purchases within the first 3 months. This is an easy-to-achieve threshold that provides immediate value. On top of that, the card comes with no annual fee, ensuring that your rewards are pure profit. Additional benefits enhance its value further. Cardholders enjoy cell phone protection when they pay their monthly bill with the card, covering eligible damage or theft. As a Visa Signature card, it also provides access to travel and entertainment perks, giving you even more ways to benefit. With flexible redemption options, you can use your rewards as statement credits, direct deposits, or even toward travel. Altogether, the Wells Fargo Active Cash® Card combines simplicity, profitability, and extra perks, making it one of the best flat-rate cashback cards on the market.
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What credit score do I need for the Wells Fargo Active Cash® Card?
Generally, applicants with a good to excellent credit score (670 or higher) have the best chance of approval.
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Does the Wells Fargo Active Cash® Card have an annual fee?
No, this card has no annual fee, making it a cost-effective option for everyday spending.
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What is the welcome bonus for new cardholders?
You can earn a $200 cash rewards bonus after spending $500 in purchases within the first 3 months.
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How can I redeem my rewards?
Rewards can be redeemed as statement credits, direct deposits into Wells Fargo accounts, gift cards, or travel purchases.
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Does the card include extra benefits beyond cashback?
Yes, cardholders receive cell phone protection, Visa Signature perks, and access to valuable travel and entertainment benefits.
How to Apply for the Wells Fargo Active Cash® Card
Requesting the Wells Fargo Active Cash® Card is a simple process that can be completed online in just a few minutes. To begin, visit the Wells Fargo website and locate the card’s official page. There, you’ll find a clear “Apply Now” option. Once selected, you will be prompted to complete an application form with standard details such as your name, address, Social Security number, employment information, and annual income. This information helps Wells Fargo determine your eligibility. To increase your chances of approval, it’s best to apply with a good to excellent credit score (typically 670 or higher). Wells Fargo will conduct a hard inquiry on your credit report, so it’s wise to ensure your financial profile is in good shape before applying. If approved, you’ll typically receive an instant decision online, though in some cases, the bank may request additional verification. Once approved, your card will arrive by mail within 7–10 business days. You’ll also gain access to Wells Fargo’s digital banking tools, allowing you to manage your account, track rewards, and make payments conveniently. After activation, you can start earning unlimited 2% cash rewards on all purchases right away. The process is straightforward, efficient, and designed to get you enjoying your rewards as quickly as possible.