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Wells Fargo Active Cash® Card
Wells Fargo Active Cash® Card

make your Wells Fargo Active Cash® Card

The Wells Fargo Active Cash® Card: A Comprehensive Review

The Wells Fargo Active Cash® Card is a popular cash back credit card that offers a simple yet rewarding way to earn on everyday spending. With its unlimited 2% cash rewards on all purchases, it’s a straightforward choice for those seeking a card that doesn’t require tracking bonus categories or activation periods.

Key Features and Benefits:

  • Unlimited 2% Cash Rewards: The card’s most prominent feature is its unlimited 2% cash rewards on all purchases. This means that for every dollar spent, cardholders earn two cents back in cash rewards. This flat-rate structure eliminates the need to keep track of rotating categories or bonus offers, making it a hassle-free way to maximize rewards on all spending.
  • $200 Welcome Bonus: New cardholders can earn a $200 cash rewards bonus after spending $1,000 in purchases within the first three months of account opening. This welcome bonus provides a significant boost to initial rewards and can offset the cost of a large purchase or contribute to savings goals.
  • 0% Introductory APR: The card offers a 0% introductory APR on purchases and balance transfers for 15 months from account opening. This introductory period allows cardholders to finance large purchases or consolidate high-interest debt without accruing interest charges, providing a valuable opportunity to save money.
Wells Fargo Active Cash® Card
Wells Fargo Active Cash® Card
  • Cell Phone Protection: Cardholders who pay their monthly cell phone bill with their Wells Fargo Active Cash® Card receive up to $600 of cell phone protection against covered damage or theft. This added benefit provides peace of mind and financial protection for an essential everyday device.
  • No Annual Fee: The card does not charge an annual fee, making it a cost-effective option for earning cash rewards. Unlike some premium credit cards that charge annual fees for additional perks and benefits, the Wells Fargo Active Cash® Card focuses on providing a simple and rewarding cash back experience without any ongoing costs.

Additional Benefits:

  • Contactless Payments: The card is equipped with contactless payment technology, allowing for quick and convenient transactions at participating merchants.
  • Zero Liability Protection: Cardholders are protected from unauthorized charges made with their card, providing security and peace of mind.
  • Travel and Emergency Assistance Services: The card offers access to travel and emergency assistance services, including assistance with lost luggage, medical referrals, and emergency cash advances.
  • Roadside Dispatch: Cardholders can access roadside assistance services for emergencies such as flat tires, towing, and lockout services.

Considerations:

  • Regular APR: After the introductory period, the card’s regular APR will apply to purchases and balance transfers. The APR is variable and based on the Prime Rate, so it’s important to be aware of the potential interest charges that may accrue on outstanding balances.
  • Foreign Transaction Fees: The card charges a foreign transaction fee for purchases made outside of the United States. This fee is a percentage of the transaction amount and can add up for frequent international travelers.
  • No Travel Rewards: While the card offers a range of benefits, it does not provide specific travel rewards such as airline miles or hotel points. Those seeking a card primarily for travel rewards may want to consider other options.

 

https://creditcards.wellsfargo.com/cash-back-credit-cards/?sub_channel=SEO&vendor_code=G

Overall Assessment:

The Wells Fargo Active Cash® Card is a strong contender in the cash back credit card market. Its unlimited 2% cash rewards on all purchases, $200 welcome bonus, and 0% introductory APR make it an attractive option for those seeking a simple and rewarding way to earn cash back. While it may not offer the extensive perks and benefits of some premium credit cards, its straightforward approach and lack of an annual fee make it a valuable addition to any wallet.

Whether you’re a frequent shopper, a budget-conscious consumer, or someone looking to consolidate debt, the Wells Fargo Active Cash® Card provides a reliable and rewarding way to earn cash back on everyday spending.

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