Wells Fargo Active Cash Credit Card: See what you need to know

04/04/2025 • Fabio Henrique • Personal Finance

The Wells Fargo Active Cash Credit Card stands out for its straightforward cash-back offerings and customer-friendly perks.

Notably, this card accepts applicants with less-than-perfect credit history, a unique feature that provides accessibility to those who may have faced credit challenges in the past.

This guide is designed to give you a comprehensive overview of the Wells Fargo Active Cash Credit Card, exploring its benefits, target audience, pros and cons.

Unlimited 2% cash rewards on all purchases.
Accepts individuals with less-than-perfect credit history.
No rotating categories or spending limits.
0% intro APR for 12 months on purchases and balance transfers.
Complimentary cell phone protection and rental car insurance coverage.

Whether you are a seasoned credit card user or someone newer to managing credit, understanding the features and benefits of the Wells Fargo Active Cash Credit Card can help you make informed decisions.

Benefits of Wells Fargo Active Cash Credit Card

The Wells Fargo Active Cash Credit Card is packed with a host of benefits that cater to a wide range of customer needs, from everyday spending to travel assurances.

Unlimited 2% Cash Rewards

Earn a flat 2% cash rewards on every purchase with no limits or categories to keep track of.

0% Introductory APR

Enjoy a 0% introductory APR for the first 12 months on purchases and balance transfers, making it easier to manage or reduce debt.

Cell Phone Protection

Gain coverage up to $600 for damage or theft to your cell phone, with a low deductible of $25.

Auto Rental Collision Damage Waiver

Receive reimbursement for covered damage or theft when renting a car with your card, providing peace of mind on the road.

Travel and Emergency Assistance Services

Access 24/7 travel and emergency assistance services, which can be a lifesaver when traveling domestically or abroad.

Zero Liability Protection

Rest easy knowing you won’t be held responsible for unauthorized transactions if reported promptly.

Who Should Consider the Wells Fargo Active Cash Credit Card?

Selecting the right credit card can depend on several factors like spending habits and financial goals.

The Wells Fargo Active Cash Credit Card is tailored for individuals seeking straightforward cash-back rewards with flexible redemption options.

Individuals looking for a simple cash-back structure without rotating categories.
Those who prefer a card that accepts applicants with varying credit backgrounds.
People who want protection and assistance services for travel and everyday use.

The cards features are especially beneficial for those who value ease of use and consistent rewards without the need for detailed tracking or constraints.

Pros and Cons of the Wells Fargo Active Cash Credit Card

Like all financial products, the Wells Fargo Active Cash Credit Card has its strengths and potential drawbacks.

Here’s a brief overview to inform your decision-making process:

Pros

No Annual Fee
Benefit from using the card without the burden of an annual fee, making it affordable to maintain.
Straightforward 2% Cash Back
Enjoy a simple and competitive cash-back rate on all purchases, simplifying your financial rewards.
Flexible Introductory Bonus
Receive $200 cash rewards bonus after spending just $500 in the first 3 months, a useful boost for new cardholders.

Pros

Limited Redemption for Non-Wells Fargo Customers
While redemption is versatile, some options may not be as accessible if you dont have a Wells Fargo bank account.

Why We Recommend the Wells Fargo Active Cash Credit Card

At Topstratos, we believe financial products should empower users to manage their finances efficiently and with confidence.

The Wells Fargo Active Cash Credit Card provides numerous advantages and significant reliability to its users.

The straightforward 2% cash back on all purchases simplifies your finances and maximizes rewards.
The combination of financial perks and security features makes this card a robust option for everyday transactions.
Acceptance of applicants with less-than-perfect credit offers inclusivity for a wider audience, making it easier to rebuild financial health.

How to Apply for the Wells Fargo Active Cash Credit Card

Applying for the Wells Fargo Active Cash Credit Card is a straightforward process that can be completed online or over the phone.

Here are the options you have to begin the application process.

Access the bank website

For general inquiries and application assistance, call 1-800-999-3961.
To discuss travel and emergency assistance, contact 1-800-992-6029.
For international support, call collect at 1-804-673-1675.

Frequently Asked Questions about Wells Fargo Active Cash Credit Card

Is there an annual fee?

No, the Wells Fargo Active Cash Credit Card does not charge an annual fee, making it more accessible and cost-effective.

What is the introductory APR offer?

The card offers a 0% APR on purchases and balance transfers for the first 12 months, which can mitigate interest costs during the promotional period.

What protection does the card offer?

The card includes protection against cell phone damage or theft, zero liability for unauthorized transactions, and auto rental collision damage waiver.

Final Considerations

When selecting a credit card, it is essential to match its features to your financial goals and habits.

The Wells Fargo Active Cash Credit Card, with its unlimited 2% cash back and valuable introductory offers, is a strong candidate for users seeking simplicity and robust protections.

At Topstratos, we strive to provide you with clear, concise, and financially empowering information.