Why choose the Wells Fargo Active Cash® credit card?

Before you apply, let's see why this card deserves your attention:

$200 Cash Rewards Bonus: Just spend $500 in your first 3 months and you'll receive a $200 bonus. Easy cash back on your regular purchases.

Unlimited 2% Cash Back Rewards: Earn 2% cash back on all your purchases, with no rotating categories or spending limits. Whether at groceries, restaurants, or on big-ticket purchases, you'll earn rewards every time you use your card.

$0 annual fee: Enjoy all these benefits without worrying about annual fees. No hidden costs, just rewards.

Introductory APR of 0% for 15 months: Enjoy an interest rate of 0% on qualified purchases and balance transfers for the first 15 months.
After the introductory period, the APR will range from 20.24% to 29.99%, depending on your credit history.

Steps to apply for the Wells Fargo Active Cash® credit card

Applying for this card is simple and only takes a few minutes. Here's how to get started:

1. Visit the Wells Fargo website
   Start by visiting the official Wells Fargo website. Once there, look for the Wells Fargo Active Cash® credit card in the credit card section.
   Explore the card's features to make sure it fits your needs and goals.
2. Review the eligibility requirements
   Before applying, confirm that you meet the eligibility requirements. Most applicants must be at least 18 years old and have a credit score of 670 or higher. Be prepared to provide personal information such as your Social Security number and income information to facilitate the application process.
3. Complete the application form
   Click the "Apply Now" button to begin the process. You'll need to fill out a form with your personal and financial information.
   Please verify all data before submitting to avoid delays.
4. Review and accept the terms
   Please read the card's terms and conditions carefully. There you'll find important information about the APR, fees, and benefits.
   Once you understand everything clearly, check the box to confirm that you accept the terms.
5. Submit your application
   After completing the form and reviewing the terms, simply click submit. Wells Fargo will process your application and typically provide a decision within a few minutes.
   If they need additional information, they will contact you.
6. Receive your card and start earning
   If you're approved, you'll receive your Wells Fargo Active Cash® credit card in the mail within a few days. Once activated, you can start earning 2% cash back on all your purchases immediately.

Track the status of your application

After submitting your application, you can check its status directly on the Wells Fargo website.

This lets you know if your application has been approved or if additional information is needed. You can also receive email updates.

Activate your account online and manage your card

Once you receive your card, create an online account with Wells Fargo to manage all aspects of your card.

From there, you can review transactions, set up automatic payments, and monitor your accumulated rewards.

Use digital wallets and exclusive promotions

Link your card to platforms like Apple Pay, Google Pay, or Samsung Pay for faster and more secure payments.

Plus, access special promotions available through the Wells Fargo website or mobile app.

Combine your rewards with other savings strategies

Maximize the value of every purchase by using your card in conjunction with coupons, cashback apps, or seasonal discounts.

This combination can help you save more without extra effort.

Learn to use your rewards strategically

The 2% cash refund can be used in a variety of ways: you can apply it directly as a credit to your statement, transfer it to your bank account, or even use it to pay for future purchases.

By redirecting that money toward your bills or savings, you can improve your financial health without additional effort.

Take advantage of the introductory APR for large purchases

The introductory rate of 0% APR for 15 months is ideal if you're planning a large purchase.

You can split your payment into interest-free monthly installments, as long as you pay the total before the promotional period ends.

This strategy gives you flexibility without overpaying.

Avoid unnecessary charges to protect your benefits

To get the most out of your card, be sure to pay on time and avoid late fees.

It's also important not to exceed your credit limit. Maintaining a good usage history can help you get limit increases and future credit approvals.

Check out exclusive promotions for cardholders

Wells Fargo offers additional promotions to its cardholders, such as extra cash back at select retailers, early access to events, and limited-time offers.

Check your account regularly to avoid missing out on opportunities to earn even more benefits.

Protect your credit score from day one

Responsible use of your Wells Fargo Active Cash® card also impacts your credit history.

Always pay on time, avoid using more than 30% of your available limit, and check your credit report regularly. A good score will open more financial doors for you in the future.

Ideal for those starting their credit history

If you have a short but solid credit history, this card can be a great way to build it.

The combination of benefits, consistent repayments, and no annual fee makes it ideal for those looking to establish a positive relationship with credit.

Control your expenses with personalized alerts

Wells Fargo's online platform allows you to set up email or text alerts whenever you make a purchase, your payment due date approaches, or you exceed a certain amount.

This feature helps you stay in control and avoid surprises on your account statement.

Additional protection and security benefits
In addition to refunds, this card includes security features such as fraud protection, suspicious transaction monitoring, and the ability to temporarily block the card from the app. You can also request temporary digital cards if you need more secure online shopping.

Maximize your rewards today

The Wells Fargo Active Cash® credit card offers an easy way to earn rewards.

Whether it's the $200 bonus or the 2% cashback on all your purchases, this card is ideal for those who want to get more out of their spending.

And with a $0 annual fee and an introductory APR of 0% for 15 months, it's also a great tool for managing your finances while earning.