Wells Fargo Active Cash Card Review, Apply, Login and Customer Service

Wells Fargo Active Cash Card Review

The Wells Fargo Active Cash Card is making waves in the world of cash-back credit cards, and for good reason. With a competitive cash-back rate, a generous welcome offer, and some compelling features, it has emerged as a strong contender in the market. In this review, we'll dive into the details of the Wells Fargo Active Cash Card to help you decide if it's the right choice for your financial needs.

Overview

The Wells Fargo Active Cash Card is not your run-of-the-mill cash rewards card; it's one of the best cash rewards credit cards available. What sets it apart is its straightforward approach to earning cash rewards.

Cardholders enjoy an impressive 2% cash back on all purchases, and there are no convoluted categories or spending limits to contend with. This flat-rate cash-back rate is a rarity in the world of credit cards and places the Active Cash Card ahead of many competitors.

Welcome Offer

One of the standout features of the Wells Fargo Active Cash Card is its welcome offer. Cardholders can earn $200 in cash rewards after spending just $500 within the first three months of card ownership. This offer is not only generous but also quite attainable, making it an attractive choice for new cardholders.

Rates and Fees

The Active Cash Card carries no annual fee, making it an economical choice for those who want to maximize their cash back without incurring extra costs. Additionally, the card offers a 0% introductory APR on purchases for 15 months from account opening, making it suitable for those planning significant expenses or balance transfers.

However, it's important to note that there is a 3% balance transfer fee (minimum $5) for transfers within the first 120 days, which increases to 5% afterward. Also, for international travelers, there's a 3% foreign currency conversion fee to consider.

Perks

While the Wells Fargo Active Cash Card doesn't come with an extensive list of premium perks, it offers some valuable benefits. Cardholders can take advantage of cellphone protection, covering up to $600 per claim for damage or theft when paying their monthly cellphone bill with the card. This feature alone can save cardholders money on cellphone insurance.

The card also includes typical Visa Signature benefits, such as auto rental collision damage waiver coverage, zero liability for unauthorized purchases, and roadside dispatch.

Wells Fargo Active Cash Card 

The Wells Fargo Active Cash Card is a highly competitive cash rewards credit card designed for individuals seeking a straightforward and rewarding cash-back experience. With this card, you can earn an impressive 2% cash back on all your purchases, without having to keep track of rotating categories or quarterly activations.

What's more, the card offers a generous welcome bonus of $200 in cash rewards after you spend just $500 on purchases within the first three months. With no annual fee and a 0% introductory APR on purchases for 15 months, it's a cost-effective choice for those looking to maximize cash back while also enjoying the flexibility to manage their expenses.

Additionally, the Wells Fargo Active Cash Card includes valuable features like Cellular Telephone Protection, advanced security features, and contactless tap-to-pay technology.

Cardholders can redeem their rewards for a variety of options, including statement credits, account credits, cash at ATMs, gift cards, and even through PayPal. With Visa Signature privileges, such as concierge services and access to the Visa Signature Hotel Collection, the card adds a touch of luxury to your financial toolkit. Overall, it's an excellent option for individuals who appreciate a high cash-back rate and a user-friendly rewards program.

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How to Apply Wells Fargo Active Cash Card? 

Applying for the Wells Fargo Active Cash Visa Card is a straightforward process that can be done online. Here's a step-by-step guide on how to apply for the card:

• Visit the Wells Fargo Website: Start by visiting the Wells Fargo website.
• Sign On (Optional): If you're an existing Wells Fargo customer, you can sign on to your account, which will prefill some of your information, making the application process faster.
• Personal Information: Fill in your personal information, including your first name, middle initial (optional), last name, and suffix (optional). You'll also need to provide your Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) and your date of birth (in MM/DD/YYYY format).
• Contact Information: Enter your home or permanent address, including Address Line 2 (optional), city, state, and ZIP code. Provide your mobile number, and consent to receive account-related text messages or calls from Wells Fargo. You'll also need to provide your email address.
• Security Information: Enter your mother's maiden name. This information is often used for security and identity verification purposes.
• Financial Information: Share details about your financial status. Select your housing status (e.g., own, rent) and employment status (e.g., employed, retired). Specify your total annual income and, if applicable, indicate if part of your income is non-taxable.
• Card Options: Choose whether you'd like to add an authorized user to your account.
• Terms and Conditions: Review and agree to Wells Fargo's terms and conditions. This includes providing consent for electronic delivery of account-opening disclosures and agreeing to obtain mobile information. You'll also certify that the information you provided is accurate and agree to the Customer Agreement and Disclosure Statement.
• Submission: Once you've completed all the required fields and agreed to the terms and conditions, you can submit your application. Wells Fargo will review your application and inform you of their decision.

How to Login Wells Fargo Active Cash Card?

To log in to your Wells Fargo Active Cash Card account, follow these steps:

• Open your web browser and go to the Wells Fargo website.
• On the homepage, you will find a "Sign on" button in the top right corner. Click on it. You will be prompted to enter your username and password.
• Input your chosen username, which should be between 7 and 10 characters, including special characters but no spaces.
• Input your password, which should contain 8 to 31 characters, with at least one letter and one number. Ensure it is not identical to your username and doesn't contain more than 3 sequential numbers or letters. Passwords are case-sensitive and can include special characters.
• After entering your credentials, click "Sign On" to access your Wells Fargo Active Cash Card account.
• Once logged in, you'll have access to your account. You can manage your card, view statements, make payments, and monitor account activity.

How to Activate Wells Fargo Active Cash Card?

To activate your Wells Fargo Active Cash Card, you have several convenient options:

• By Phone: You can activate your card by calling 1 (800) 642-4720. Follow the prompts and verify your personal information, such as your Social Security number, card number, or the phone number associated with your application.
• Online: If you prefer to activate your card via the web, log in to your Wells Fargo account. If you don't have an account, you'll need to create one. Once logged in, find the activation page, where you'll be required to provide security information, including your Social Security number and credit card number. Follow the instructions on the page to activate your Wells Fargo Active Cash Card.
• Mobile App: Alternatively, you can use the Wells Fargo mobile app. Log in using the same credentials you use for online access. Within the app, find the credit card activation option and follow the instructions, entering any requested security information.

Wells Fargo Active Cash Card Customer Service

For Wells Fargo Active Cash Card customer service, you can reach out via phone at 1-800-642-4720 or by mail at Wells Fargo Bank, N.A, P.O. Box 10347, Des Moines, IA 50306-0347.

Their customer service team is available to assist with inquiries, and account management, or to address any issues you may encounter with your Wells Fargo Active Cash Card.

What Are the Pros and Cons of Wells Fargo Active Cash Card?

The Wells Fargo Active Cash Card is a credit card offered by Wells Fargo, and like any financial product, it comes with its own set of advantages and disadvantages. Here's an overview of the pros and cons of the Wells Fargo Active Cash Card:

Pros of Wells Fargo Active Cash Card

• One of the standout features of this card is its unlimited 2% cash rewards on all purchases, making it an excellent choice for those who want straightforward and consistent cashback earnings. There are no rotating categories or spending limits to worry about.
• The card offers a $200 cash rewards bonus when you spend $500 in purchases within the first three months of opening the account. This provides an immediate reward for new cardholders.
• The card comes with a 0% introductory APR for 15 months on both purchases and qualifying balance transfers (made within 120 days from account opening). This can be particularly useful if you plan to make a big purchase or need to transfer a balance to save on interest.
• Cardholders can receive up to $600 in cell phone protection when they pay their monthly cell phone bill with the Wells Fargo Active Cash Card. This can be a valuable feature if your phone is damaged or stolen.
• The card offers advanced security features such as Voice Verification and 2-step Verification, which help keep your account information secure.
• If your card is used for unauthorized transactions, you won't be held responsible for them as long as they are promptly reported.
• The card comes with contactless tap-to-pay technology, making it convenient and secure for in-store purchases.
• You can manage your card, pay bills, and check account activity using the Wells Fargo Mobile app.

Cons of Wells Fargo Active Cash Card

• While the Wells Fargo Active Cash Card has several attractive features, it's not a no-annual-fee card. Some other cashback cards on the market don't charge an annual fee, so you'll need to weigh the benefits against this cost.
• After the introductory 0% APR period, the card's APR can be relatively high, especially if you have a lower credit score. This can lead to significant interest charges if you carry a balance.
• Like any credit card, approval for the Wells Fargo Active Cash Card depends on your creditworthiness. If you have a low credit score, you may not qualify.
• While you can redeem cash rewards in multiple ways, cash redemption options via phone or online are only available in $25 or $20 increments, which may not suit everyone's spending habits.
•  While the card has some attractive features, it may not offer as many additional benefits as premium cards from other issuers.