Wells Fargo Active Cash® Credit Card: a simple guide for smart spending

Credit cards simplify the purchasing process and save time by offering a single instrument to make various expenses. In line with this is the Wells Fargo Active Cash® Credit Card, a card that ensures you maximize your spending, enjoying cash back and great benefits.

Here in this guide, we shall focus on the advantages of this friend of yours and give you a list of what to do and how to go about it.



Key benefits of the Wells Fargo Active Cash® Credit Card

Unlimited 2% cash rewards:

  • Make purchases and get unlimited 2% cash back, which is how you can keep earning rewards while spending on everyday items.

$200 cash rewards bonus:

  • Earn a $200 cash rewards bonus for every $500 in your first 3 months of account opening. The generous signup bonus is good for getting a jump start on your way to racking up rewards.

No annual fee:

  • Furthermore, the best thing about having your own website is that you don’t have to pay an annual fee, therefore you will save your money long-term.

0% intro APR:

  • Enjoy an extended period of 0% introductory APR for up to 15 months on purchases and balance transfers qualified for the offer, and go ahead with purchases or transfer existing balances uncoupled to any additional interest rate.

Cell phone protection:

  • Benefit from the first of its cell phone protection scheme where damage or theft of your phone is reimbursed when you pay your monthly cell phone bill with your Wells Fargo Active Cash® Credit Card creating more confidence in your device use.

Advanced security features:

  • Take advantage of advanced security features such as Voice Verification and 2-step Verification, ensuring your transactions are secure.

Zero liability protection:

  • This feature ensures that customers are not held accountable for unauthorized transactions made on their accounts, provided they report such transactions promptly.


To apply for the Wells Fargo Active Cash® Credit Card, you need to meet certain requirements:

  • 18 years and above (21 in Puerto Rico);
  • Have a good credit report;
  • Have a correct social security number or an individual Taxpayer Identification number (ITIN).

About Wells Fargo

Headquartered in San Francisco, CA, Wells Fargo has been serving customers accurately in the United States for over 150 years by delivering a great selection of banking and financial services. Being highly trusted, along with the factor of excellent customer service, at the heart of Wells Fargo business, it is dedicated to helping individuals and businesses realize their prosperity.

The bank has also obtained unmatched standing as a mid-tier monetary services provider in the US. The four reportable operating segments of Consumer Banking and Lending, Commercial Banking, Corporate and Investment Banking, and Wealth & Investment Management stand apart for their commitment to the personalized attention of their clients with the aim of helping them to attain their financial goals.


Wells Fargo was ranked 47th on Fortune’s 2023 list of America’s largest corporations, a testament to its enduring presence and commitment to serving its customers and communities.


Who is this card for?

The Wells Fargo Active Cash® Credit Card is perfect for those who desire to make the most of cash rewards without any limitations on what to buy. The card can be used for shopping, dining out or even traveling. The design makes it easy to accumulate the rewarding cash back without any stress.

How to apply for the Wells Fargo Active Cash® Credit Card

Visit the Wells Fargo Active Cash® Credit Card page:

  • To register for the card, kindly follow the application link provided: here.

Review the terms and conditions:

  • Make sure to read the credit card agreement and the booklet with information on how you can use it carefully, before making your application so that you can understand the validity of the card.

Click on “Apply now”:

  • When you reach the application point, please press the “Apply now” button found on the Wells Fargo Active Cash® Credit Card page.

Fill out the application form:

  • Supply the needed details such as your name, address, call scene, and work unique, among others.

Submit your application:

  • Please scrutinize your application and feel free to submit it. I’ll let you know if you are going to be chosen the moment your application is filled out.

Positives and negatives of the card


  • Unlimited 2% cash rewards on purchases;
  • $200 cash rewards bonus after spending $500 in the first 3 months;
  • No annual fee;
  • 0% intro APR for 15 months on purchases and qualifying balance transfers;
  • Cell phone protection against damage or theft;
  • Advanced security features like Voice Verification and 2-step Verification;
  • Access to the Wells Fargo Mobile App for easy account management;
  • Zero Liability protection for unauthorized transactions;
  • Contactless payment for quick and easy transactions.


  • You have to be careful with the interest rate since you are charged one if you are carrying a balance;
  • Chargebacks and bounce of checks may also lead to charges.

How to unlock the card?

After receiving your card, follow these steps to unlock it: Wells Fargo Mobile App.

  • Enter the Wells Fargo Online platform using your login credentials;
  • Choose your credit card account;
  • Make sure you click on the “Manage Card” option;
  • Scan the QR code and learn more about the digital badge.

Fees and tariffs

  • Annual fee: $0.
  • APR (purchases and transfers): 0% for 15 months, then between 20.24% and 29.99%, based on your creditworthiness.
  • Balance transfer fee: IInitial $5 or 3% of each transfer for 120 days, then up to 5%.
    • Advances: R$10 or 5% of the value of each advance, whichever is greater.
  • Foreign transaction fee: 3% of each transaction converted to US dollars.

Check other costs and more details here.

Customer service

In case your Wells Fargo Active Cash® Credit Card causes problems for you, you may dial 1-800-642-4720 and contact customer service through:


Last words

The Wells Fargo Active Cash® Credit Card has a package of advantages for U.S residents such as unlimited cash rewards, a welcome bonus of $200, and state-of-the-art protection. What’s more, is that the Card has no annual fee and a 0% intro APR.

The Card is the right choice for those who have been waiting for a credit card that comes with rewards and secure transactions.

Take up for yourself and get your cash bonuses for your everyday shopping!

Did you like the tip? Discover other credit cards for United States residents here.