Learn How to Apply for a Wells Fargo Active Cash Card

What do You Need to Know Before Applying for the Wells Fargo Active Cash Card?

The Wells Fargo Active Cash Credit Card has two major benefits: unlimited 2% cashback on all categories and a $200 reward bonus!

The Wells Fargo card is widely acclaimed in the American market, boasting accolades such as:

• Best simple cashback credit card by NerdWallet in 2022, 2023, and 2024
• Best no annual fee card in 2023 by The Ascent
• Best fixed-rate cashback card in 2024 by Bankrate Awards

The card comes with an unlimited 2% cashback benefit for all purchases, with redemptions possible through gift cards, purchase credits, cash deposits, ATM withdrawals, and even PayPal purchases.

Wells Fargo does not charge an annual maintenance fee for the Active Cash Credit Card, also offering a 0% introductory APR for 15 months on qualifying purchases and balance transfers.

After the introductory period, the variable APR ranges from 20.24%, 25.24%, to 29.99%, and after 120 days for balance transfers.

The card is highly efficient for everyday situations, featuring the Visa Signature signature for exclusive concierge services and travel assistance benefits.

If you believe Active Cash could be a good credit card, keep reading.

Who can Apply?

The eligibility criteria for obtaining the Wells Fargo Active Cash card are fairly standard in the American market, allowing access to a wide range of individuals.

Applicants must be either U.S. citizens or possess valid work visas in the country. The important thing is that all documentation is up-to-date, regardless of the nationality of the applicant. 

Additionally, they should be at least 18 years old, although the minimum age requirement may vary by state, typically ranging from 19 to 21.

Verifiable income and a FICO score falling within the good to excellent range, typically starting at 670 points, are crucial for credit approval.

In this sense, the annual income and credit score will not only influence whether the card application is approved or denied but also determine the monthly limits.

How do I Apply for the Wells Fargo Active Cash Card?

To start the credit card application process, you can click on the ‘Apply Now’ button, which will lead you to the application form.

For current banking customers, logging in will automatically populate your information.

For newcomers 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’ll need to select your country of birth and answer a security question.

You’ll also need to indicate your housing status (whether you own, rent, or have another arrangement) and employment status (employed, self-employed, not employed, or retired), as well as your total annual income.

Alongside providing this information, you must agree to Wells Fargo’s verification procedures.

After submitting the required details, the bank will assess your application to determine approval or denial.

For any inquiries or assistance, you can contact the bank’s customer service department. Therefore, Wells Fargo’s enrollment system is quite efficient, especially in providing quick responses to potential customer requests.

In this regard, the most important thing is to provide all the necessary information accurately, minimizing the need for corrections and saving time.

However, meeting these requirements does not guarantee approval, as the availability of the card is ultimately at the discretion of Wells Fargo.

More Details

Wells Fargo Active Cash offers a range of other benefits, such as cell phone protection of up to $600 for theft, damage, and theft, subject to a $25 deductible for activation.

Emergency travel assistance services are available through Wells Fargo, also featuring zero liability protection for unauthorized transactions reported immediately.

The My Wells Fargo Deals system provides personalized offers and exclusive discounts for cashbacks on purchases or events.

The Credit Close-up offers real-time monitoring of the cardholder’s FICO score as well as roadside dispatch for towing 24 hours a day, 7 days a week.

Furthermore, Wells Fargo offers a collision damage waiver for car rentals in case of damage or theft.

Want to learn another option?

If you’re looking for another option with good conditions and cashback of up to 5% in different categories, you may want to consider the U.S. Bank Cash+ Visa Signature Card.

In this way, the conditions for selecting cardholders are somewhat similar, and you can see how to apply.

Written by

Gabriel Gonçalves