Wells Fargo Active Cash Visa Review: If you are someone who wants a good cashback on their spending and doesn’t want the hassle of using a credit card, then the Wells Fargo Active Cash® Card can be a great option for you. The biggest feature of this card is that it gives unlimited Wells Fargo 2% cash back credit card on all types of purchases. And yes, if you are a new customer then an attractive sign-up bonus of Wells Fargo Active Cash $200 bonus is also waiting for you. So, let’s discuss the pros and cons of this card in detail, so that you get a clear picture whether this card is right for your financial needs or not.
This Wells Fargo Active Cash card is designed for those who want straight and clear cashback on their everyday purchases. There are no complicated reward categories that you have to remember. You just shop and get a straight Wells Fargo Active Cash 2% cash back every time.
Wells Fargo Active Cash Card Review Highlights
| Detail | Information |
| Annual Fee | $0 |
| Reward Rate | 2% cashback |
| Sign-Up Bonus | $200 cash rewards bonus after spending $500 in the first three months |
| Intro APR | 0% intro APR for the first 12 months (on purchases and balance transfers) |
| Regular APR | 19.24%, 24.24%, or 29.24% variable APR |
| Recommended Credit Score | 690-850 (Good – Excellent) |
| Balance Transfer Fee | 3% for the first 120 days, then 5% (minimum: $5) |
| Foreign Transaction Fee | 3% |
Wells Fargo Active Cash Benefits
Unlimited 2% cashback
When it comes to flat-rate cashback cards, 2% cashback is a big deal in itself. With this card, you get 2% cashback on every purchase, whether you’re shopping for groceries, paying bills, or traveling.
Wells Fargo Active Cash no annual fee card
Often credit cards with high benefits have an annual fee attached to them, but the Wells Fargo Active Cash® Card has no such fee. This means you won’t have to pay any additional fees throughout the year, and you can use this card without any worries.
$200 bonus with Wells Fargo Active Cash
If you’re a new customer, this card offers you a fantastic welcome bonus. You’ll get a $200 cash rewards bonus when you spend $500 in the first three months. This offer is beneficial for those who spend frequently and want to redeem their rewards soon.
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Flexible redemption options
With this card, you can redeem your cashback in a variety of ways, such as statement credits, cash withdrawals from Wells Fargo ATMs, or direct deposits into your Wells Fargo checking or savings account. You can also redeem your rewards via a paper check if you prefer. However, these features are specifically for customers who are already banking with Wells Fargo.
Wells Fargo Active Cash 0% intro APR
If you are planning a big expense or want to transfer the balance of an old high-interest credit card, this card can be beneficial for you. You get a 0% intro APR for the first 12 months, allowing you to gradually pay off your expenses without any interest.
Wells Fargo Active Cash Special features
Mobile phone protection
In today’s time when our smartphones have become an important part of our lives, their protection also becomes important. If you pay your monthly mobile phone bill with this card, you get mobile phone protection of up to $600. This feature is available up to two times per year, although you will have to pay a deductible amount of $25.
Visa Signature Concierge
This card comes with Visa Signature® features, in which you get 24/7 concierge services. With this, you can take advantage of features like travel planning, dinner reservations and even event ticket booking. Apart from this, with Visa Signature® Luxury Hotel Collection, you also get features like room upgrades, free breakfast and food and beverage credits during stays at premium hotels.
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Foreign transaction fee
Although this card is accepted on the Visa network worldwide, an additional fee of 3% is charged every time a foreign transaction is made. If you travel abroad frequently, it may be better to get a card that does not charge any such fee.
Better Rewards with Other Cards
If you are someone who wants to earn more rewards across different spending categories with multiple cards, some other cards may give you a better option. For example, the Capital One Savor Cash Rewards Credit Card gives you up to 3% cash back on dining, entertainment, and grocery shopping. However, you may have to pay an annual fee with this card.
Longer Intro APR Offers
If your main goal is to minimize the interest rate on your transferred balance, some cards like the Citi Double Cash® Card offer a 0% intro APR for a longer period. With this card, you get 0% intro APR for up to 18 months on balance transfers.
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Conclusion
The Wells Fargo Active Cash® Card is a great option for those looking for a simple yet beneficial cashback credit card. With this, you get unlimited Wells Fargo Active Cash 2% cash back with no annual fee, sign-up bonus and many other perks. However, if you are looking for a card with a more complex rewards structure or travel abroad frequently, you may want to reconsider your options.
The main advantage of this Wells Fargo Active Cash card is its simplicity and straightforward cashback rewards, making it an ideal choice for everyday purchases. If you want to manage all your expenses with a single card and don’t want to think too much, then this Wells Fargo Active Cash card can meet your needs.