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The Wells Fargo Active Cash® Card is a top-rated cash back credit card offering unlimited 2% cash rewards on purchases, a $200 cash rewards bonus when you spend $500 in purchases in the first 3 months, and a 0% introductory APR for 12 months on purchases and qualifying balance transfers. With no annual fee and a range of valuable benefits, it’s a compelling choice for consumers seeking straightforward rewards.
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In this comprehensive guide, we’ll walk you through the application process, eligibility requirements, approval steps, and provide an overview of Wells Fargo as a financial institution.
Wells Fargo Active Cash
Step-by-Step Guide: How to Apply for the Wells Fargo Active Cash® Credit Card
Applying for the Wells Fargo Active Cash® Card is simple when you follow these steps. This guide walks you through each part of the application process clearly and efficiently.
1. Access the Wells Fargo Homepage
Start by visiting the official Wells Fargo website: https://www.wellsfargo.com/
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Here, you can explore all the banking services, including credit cards, checking accounts, loans, and more.
2. Navigate to the Credit Cards Section
- Click on the menu bar at the top of the page.
- Select the third option labeled “Credit Cards”.
- Choose the first sub-option “Cash Back Credit Cards”.
This section displays all cash back credit card options offered by Wells Fargo.
3. Select the Active Cash® Card
On the Cash Back Credit Cards page:
- You will see multiple cards such as Attune® Card and Signify Business Cash® Card.
- Use the filters at the top to sort cards by features:
- All Cards
- Cash Back
- Rewards
- 0% Intro APR
- Travel
- Balance Transfer
- No Annual Fee
- Business
- Click on the Wells Fargo Active Cash® Card, then press the blue button “Apply Now”.
This will redirect you to the application form.
4. Fill Out the Application Form
Complete the online form by providing your personal information, which typically includes:
- Contact Information: Full name, address, phone number, and email.
- Security Information: Social Security Number (SSN) or ITIN, date of birth.
- Financial Information: Employment status, annual income, and housing expenses.
After submitting your application, Wells Fargo will review your information.
Once approved, your Wells Fargo Active Cash® Card will be mailed to your address, usually within 7–10 business days.
How to Apply for the Wells Fargo Active Cash® Card
1. Online Application
The most convenient way to apply for the Wells Fargo Active Cash® Card is online. Visit the official application page: . Click on the “Apply Now” button to begin the application process.
You’ll need to provide personal information, including:
- Full name
- Date of birth
- Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)
- Residential address
- Phone number and email address
- Employment status and annual income
After submitting your application, Wells Fargo will conduct a credit evaluation. If approved, you’ll receive your card by mail, typically within 7–10 business days.
2. In-Person Application
If you prefer to apply in person, you can visit a local Wells Fargo branch. A representative will assist you with the application process. Ensure you bring valid identification and any necessary documents to facilitate the application.
3. Prequalification Check
Before applying, you can check if you’re prequalified for the Wells Fargo Active Cash® Card without impacting your credit score. Visit the prequalification page: web.secure.wellsfargo.com. This can give you an idea of your chances of approval.
Eligibility Requirements
To be eligible for the Wells Fargo Active Cash® Card, you must:
- Be at least 18 years old
- Have a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)
- Be a U.S. citizen or legal resident
- Have a good credit history; while Wells Fargo doesn’t specify a minimum credit score, a higher score improves your chances of approval
- Provide accurate and complete information on your application
Approval Process
Once your application is submitted, Wells Fargo will review your creditworthiness. If approved, you’ll receive your Wells Fargo Active Cash® Card by mail. Activate your card upon receipt to start enjoying its benefits.
Overview of Wells Fargo
Wells Fargo
Wells Fargo is one of the largest and most reputable financial institutions in the United States. Founded in 1852, it offers a wide range of services, including banking, lending, and investment solutions. With a commitment to customer service and financial education, Wells Fargo has established itself as a trusted partner for millions of Americans.
Frequently Asked Questions (FAQ)
1. What is the annual fee for the Wells Fargo Active Cash® Card?
The Wells Fargo Active Cash® Card has no annual fee.
2. How do I earn cash rewards?
You earn unlimited 2% cash rewards on purchases with no categories to track or quarterly activations. Additionally, there’s a $200 cash rewards bonus when you spend $500 in purchases in the first 3 months.
3. What is the introductory APR?
The card offers a 0% introductory APR for 12 months from account opening on purchases and qualifying balance transfers. After that, a variable APR of 18.99%, 23.99%, or 28.99% applies.
4. How can I redeem my cash rewards?
You can redeem your cash rewards in several ways, including:
- As a statement credit
- For purchases made through PayPal
- As a direct deposit into a Wells Fargo account
- For gift cards or travel expenses
Visit the Wells Fargo Rewards page for more details: wellsfargo.com.
5. Is there a limit to the cash rewards I can earn?
No, there is no limit to the amount of cash rewards you can earn with the Wells Fargo Active Cash® Card.
Conclusion
The Wells Fargo Active Cash® Card is an excellent choice for those seeking a straightforward cash back credit card with valuable benefits. With no annual fee, unlimited 2% cash rewards, and a generous introductory offer, it’s designed to help you maximize your spending. Applying is easy, and with the information provided in this guide, you can confidently take the next step toward enjoying the benefits of the Wells Fargo Active Cash® Card.
