Discover the Steps to Secure a Wells Fargo Active Cash Card
Essential Insights Before Applying for the Wells Fargo Active Cash Card
The Wells Fargo Active Cash Credit Card offers significant perks: 2% cashback on all purchases and a $200 bonus reward!
The Wells Fargo card is renowned in the U.S., recognized for achievements like:
- Best simple cashback card by NerdWallet for 2022, 2023, and 2024
- Best no annual fee card in 2023 by The Ascent
- Best fixed-rate cashback card in 2024 by Bankrate Awards
This card offers a remarkable 2% unlimited cashback on every purchase, redeemable for gift cards, cash credits, ATM withdrawals, and PayPal payments.
Wells Fargo waives the annual fee for the Active Cash Credit Card and provides a 0% intro APR for 15 months on qualifying purchases and balance transfers.
Once the intro period ends, the variable APR will be between 20.24% and 29.99%, applied after 120 days for balance transfers.
This card excels in daily use, featuring Visa Signature for exclusive concierge services and travel assistance perks.
If you think the Active Cash card may be a great fit, continue reading.
Who is Eligible to Apply?
The eligibility requirements for the Wells Fargo Active Cash card are quite standard in the U.S., making it accessible to many.
Applicants must be U.S. citizens or have valid work visas with all documentation current, regardless of nationality.
They should be at least 18 years old, though age criteria may differ by state, generally between 19 and 21.
Verifiable income and a FICO score in the good to excellent range, usually starting at 670 points, are essential for credit approval.
Your annual income and credit score will play a crucial role in not only whether your credit card application is accepted but also in setting your monthly spending limits.
What is the Process to Apply for the Wells Fargo Active Cash Card?
To initiate your credit card application, just click the ‘Apply Now’ button to access the application form.
If you’re already a banking customer, logging in will fill in your details automatically.
New customers will need to provide personal information, including your full name, Social Security number, date of birth, address, city, ZIP code, email, and phone number.
You’ll also be required to select your country of birth and respond to a security question.
Additionally, you’ll need to specify your housing situation (owning, renting, or other) and your employment status (employed, self-employed, unemployed, or retired), along with your total annual income.
Besides this information, you must consent to Wells Fargo’s verification processes.
Once you submit the necessary information, the bank will evaluate 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. Wells Fargo’s enrollment system is efficient, providing quick feedback to potential customers.
It’s crucial to provide all details accurately to avoid corrections and save time during the application process.
However, fulfilling these criteria does not guarantee approval, as the decision ultimately rests with Wells Fargo.
Additional Information
The Wells Fargo Active Cash card comes with an array of perks, including cell phone protection up to $600 for theft and damage, subject to a $25 deductible for activation.
Wells Fargo provides emergency travel assistance services, along with zero liability protection for transactions that are reported as unauthorized right away.
The My Wells Fargo Deals platform offers tailored deals and special discounts for cashbacks on various purchases and events.
The Credit Close-up service provides real-time monitoring of your FICO score, along with 24/7 roadside assistance for towing needs.
Additionally, Wells Fargo includes a collision damage waiver for car rentals to cover any damage or theft that may occur.
Interested in exploring another option?
If you seek an alternative with favorable terms and cashback up to 5% across various categories, consider the U.S. Bank Cash+ Visa Signature Card.
This way, the eligibility criteria for cardholders are fairly similar, and you can discover how to apply.
