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  Wells Fargo Active Cash Card

Wells Fargo Active Cash Card

in Personal Credit Cards from Wells Fargo Bank

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Wells Fargo Active Cash Card

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in Personal Credit Cards from Wells Fargo Bank

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Highlights
Purchase APR  (Variable APR) 14.99% - 24.99%
Balance Transfer APR  (Variable APR) 14.99% - 24.99%
Credit Score Range 650 - 850
Annual Fee $0

Wells Fargo Active Cash Card Review

This is a cashback credit card issued by Wells Fargo Bank. If you're wondering whether Wells Fargo active cash card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 15 months, which is longer than the average 0% APR period of 12 months.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 15 months.
  • Signup bonus. Offers a signup bonus of $200 if you spend $1000 within 3 months.
  • Competitive APRs. Wells Fargo Active Cash Card has a variable purchase APR that ranges from 14.99% up to 24.99%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
  • 5% Balance transfer fee. Wells Fargo Active Cash Card charges a fee of 5% on balance transfers, if you transfer the balance within 120 days of opening the account. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $5.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as emergency support, identity theft protection, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of Wells Fargo active cash card
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 15 months.
  • 0% APR on new purchases during the first 15 months.
  • No annual fee.
  • Multiple credit card perks.
  • Identity Theft Protection.
  • Wells Fargo Active Cash Card reports to multiple credit bureaus.
  • Charges a foreign transaction fee of 3%.
  • Charges a 5% balance transfer fee, if you transfer the balance within 120 days of opening the account. After the introductory period, the fee is 5% of the balance transferred or $5, whichever is greater.
Wells Fargo active cash card FAQ

Does Wells Fargo active cash card have a cash back or rewards program?

No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 2% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $20 back in cash.

What are the Wells Fargo active cash card benefits?

It provides the following benefits:

  • Emergency Support
  • Zero fraud liability
  • Cell Phone Protection
  • No blackout dates when redeeming miles
  • Reports to major credit bureaus

What are the relevant APRs for Wells Fargo active cash card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 14.99% up to 24.99%. The card has a variable balance transfer APR that ranges from 14.99% up to 24.99%. It also has a variable cash advance APR of 25.99% .

Does Wells Fargo active cash card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 15 months.

Wells Fargo Active Cash Card Balance Transfers
Description
Balance Transfer Fee % After Intro Period 5%
Balance Transfer Fee Intro Period 120 days
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 15 months
Balance Transfer APR 14.99% - 24.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 5%

Does Wells Fargo active cash card have an intro APR offer on new purchases?

Wells Fargo Active Cash Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 15 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 15 months.

What are the fees for Wells Fargo active cash card?

The following fees apply:

Wells Fargo active cash card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee up to $40
Late Payment Fee up to $40

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does Wells Fargo active cash card have a foreign transaction fee?

Wells Fargo active cash card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for Wells Fargo active cash card?

The Wells Fargo active cash card customer service number is (800) 877-4833.

What is the support contact email for Wells Fargo active cash card?

The support contact email for Wells Fargo active cash card is corporateresponsibility@wellsfargo.com.

Does Wells Fargo Active Cash Card report your account activity to credit bureaus?

Yes, Wells Fargo Active Cash Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Wells Fargo active cash card

  • Visit the Wells Fargo active cash card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

Other Services by Wells Fargo Bank

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Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 15 months
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) $10
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $1
Returned Payment Fee Up to $40
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Emergency Support
  • Fraud Liability
  • Cellular Telephone Protection
Bonus Offer Earn a $200 cash rewards bonus when you spend $1,000 in purchases in the first 3 months.
No Reward Expiration Period
No Blackout Dates
Rewards Categories
  • 2% Cash Back on Every Purchase
Signup Bonus $200
Cash Advance APR (Variable APR) 25.99%
Balance Computation Average daily balance (including new purchases)
Purchase APR (Variable APR) 14.99% - 24.99%
Balance Transfer Fee % After Intro Period 5%
Balance Transfer Fee Intro Period 120 days
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 15 months
Balance Transfer APR (Variable APR) 14.99% - 24.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 5%
Card Type
  • Cashback
Card Network Visa

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