Discover the Process to Apply for 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 two standout perks: unlimited 2% cashback on every purchase and a generous $200 bonus!
This card is highly regarded in the U.S. market, receiving numerous accolades like:
- NerdWallet’s best simple cashback card (2022-2024)
- The Ascent’s best no annual fee card (2023)
- Bankrate’s best fixed-rate cashback card (2024)
With this card, you receive unlimited 2% cashback on all purchases, redeemable through various options like gift cards, cash deposits, and even PayPal.
The Active Cash Credit Card has no annual fee and offers a 0% introductory APR for 15 months on qualifying purchases and balance transfers.
After the introductory period, expect a variable APR of 20.24% to 29.99%, applicable after 120 days for balance transfers.
This card excels in daily use, featuring the Visa Signature for premium concierge services and travel assistance.
If you think Active Cash could be the right credit card for you, keep reading on.
Eligibility Criteria
The eligibility requirements for the Wells Fargo Active Cash card are quite typical in the U.S., making it accessible for many.
Applicants should be U.S. citizens or have valid work visas. It’s essential that all your documents are current, regardless of nationality.
Moreover, applicants must be at least 18 years old, though some states may require a minimum age of 19 to 21.
Demonstrable income and a FICO score in the good to excellent range, usually starting at 670, are vital for credit approval.
The annual income and credit score play a crucial role, influencing not just the approval of your card application but also the monthly spending limits.
How Can I Apply for the Wells Fargo Active Cash Card?
To begin your credit card application, simply click the ‘Apply Now’ button to access the application form.
If you’re an existing banking customer, logging in will automatically fill in your details.
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.
You will also need to select your country of birth and respond to a security question.
It’s important to mention your housing situation (owning, renting, or other) and employment status (employed, self-employed, unemployed, or retired), along with your total annual income.
In addition to providing this information, you must agree to Wells Fargo’s verification processes.
Once you’ve submitted the necessary information, the bank will evaluate your application for 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 designed to provide quick responses to customer inquiries.
Ultimately, the key is to provide all required information accurately to minimize corrections and save time.
However, fulfilling these conditions does not ensure approval, as the final decision rests with Wells Fargo.
Additional Information
The Wells Fargo Active Cash card comes with many additional perks, including cell phone insurance for theft and damage up to $600, with a $25 deductible required to activate it.
Wells Fargo provides emergency travel assistance services, along with zero liability protection for transactions reported immediately as unauthorized.
The My Wells Fargo Deals platform offers customized promotions and exclusive discounts for cashback on various purchases or events.
The Credit Close-up feature allows cardholders to monitor their FICO score in real-time and provides roadside assistance for towing, available 24/7.
Additionally, Wells Fargo includes a collision damage waiver for rental cars, protecting against damage or theft.
Interested in exploring another option?
If you’re on the lookout for a different option that offers solid benefits and up to 5% cashback in various categories, consider the U.S. Bank Cash+ Visa Signature Card.
This means that the criteria for selecting cardholders are quite similar, and you can find out how to apply.
