Credit Cards

Wells Fargo Active Cash card full review

Would you like a card with straightforward cash back rewards and other benefits? Learn more about the Wells Fargo Active Cash card in our full review!

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by Victória Lourenço

08/18/2021 | Updated on 10/25/2021

Wells Fargo Active Cash card

Learn more about the Wells Fargo Active Cash card in our full review! Source: Wells Fargo
Learn more about the Wells Fargo Active Cash card in our full review! Source: Wells Fargo

The Wells Fargo Active Cash card offers great rewards, like 2% unlimited cash back rewards for all purchases. And if you fit the requirements, there is a welcome offer of 200 dollars in cash rewards after you spend $1,000 in the first three months of having the card. There is also a 0% intro APR available for purchases and eligible balance transfers within 15 months.

This card has other great benefits, like up to $600 on cell phone protection against damage or theft (terms apply) available if the cardholder pays their phone bill with the card. However, the card does not have many travel rewards, mainly if you like to travel abroad. It has a foreign transaction fee, but you can compensate for that by also having a travel credit card combined with this Wells Fargo card. And if you are a domestic traveler, this will not be such an issue. So, here is our full review of this card!

How do you get the Wells Fargo Active Cash card?

The Wells Fargo Active Cash card is great for everyday purchases and it has amazing rewards. Check out how to get this great cash back card!

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How does the Wells Fargo Active Cash card work?

This Wells Fargo card has unlimited cash back! Source: Gettyimages
This Wells Fargo card has unlimited cash back! Source: Gettyimages

As mentioned, this card offers great cash back rewards for its cardholders and a great welcome bonus, considering the $0 annual fee. You get unlimited 2% cash back rewards on every purchase and great cell phone protection. But if you got a Wells Fargo card in the last 15 months from the application date, you may not get the intro APR, welcome bonus, and other benefits.

Wells Fargo Active Cash card benefits

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Pros

  • $0 annual fee.
  • 0% introductory APR for 15 months.
  • Cell phone protection
  • 2% cash back rewards on all purchases

Cons

  • 3% of each foreign transaction converted to USD.
  • Balance transfer fee
  • The card’s welcome benefits might not be available for some people

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Should you get a Wells Fargo Active Cash?

This Wells Fargo card can be a great choice for people who like to get cash back without having to focus on different spending categories. So, if you need a card for everyday purchases with cash back benefits, this can be the card for you.

However, keep in mind that this card does not have many benefits for international travel, and it has a foreign transaction fee. So, if you like to travel abroad, maybe you should reconsider getting this card.

How good does your credit score need to be?

You need a very good credit score to apply for this card. Source: Gettyimages
You need a very good credit score to apply for this card. Source: Gettyimages

To get this card, we recommend that your credit score is from good to excellent. This means that your score needs to be at least 690. We also recommend that you check the requirements and do some research before applying for any card. But having a great score does not mean that you will be approved because the company also checks other personal information.

How to apply for a Wells Fargo Active Cash card?

It can be very simple to apply for this Wells Fargo card. You can even apply online for it. If you know that you have the requirements and fit the profile to get this card, then read our post with some important information on how to apply for this great cash back credit card!

How do you get the Wells Fargo Active Cash card?

The Wells Fargo Active Cash card is great for everyday purchases and it has amazing rewards. Check out how to get this great cash back card!

About the author

Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by

Aline Barbosa

Senior Editor

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