Learn How to Apply for a Wells Fargo Active Cash Card

What Should I Know Before Applying for a Wells Fargo Active Cash Card?

The Wells Fargo Active Cash card stands out for its simplicity and straightforward process to earn rewards among other flat-rate cashback cards. With no annual fee, the card yields an unlimited 2% cash reward on every purchase, making it a powerful player in the flat-rate cash-back category.

The card’s appeal is further boosted by the introductory offer of 0% APR on purchases and eligible balance transfers for 15 months, followed by a variable APR of 17.99%, 22.99%, or 27.99%.

Moreover, it sets itself apart with a unique $200 cash rewards sign-up bonus after a spending of $1,000 within the initial three months. Unlike many other 2% cashback cards, the Wells Fargo Active Cash Card also provides a profitable sign-up bonus.

Besides the simple cashback structure, it offers multiple options for redemption, such as account credit, ATM withdrawals, direct deposits into Wells Fargo accounts, and even paper checks.

While it may lack some sophisticated features, this card is a perfect choice for individuals who aim to earn cash back without the hassle of dealing with bonus categories.

The lack of an annual fee translates to cost-effectiveness for long-term users. Its 0% intro APR offer on purchases and balance transfers further make it a versatile option for those wanting interest-free periods.

Who is Eligible to Apply?

To begin your application, you must be a registered Wells Fargo Online user and be the primary account holder of a qualifying Wells Fargo consumer account that has an accessible FICO score.

Accounts that qualify under Wells Fargo consumer accounts include deposit, loan, and credit accounts. Some other consumer accounts may also be eligible.

It is essential to meet the minimum FICO score requirement of 690 to 700 as this credit card is designed for those with an excellent credit record.

Having an active registration on Wells Fargo Online and holding a qualifying consumer account are much-needed prerequisites for potential applicants aiming to obtain this credit card.

Further, to increase their chances of approval, candidates need to maintain a FICO score within the mentioned range.

Additionally, Wells Fargo has laid out basic prerequisites, including being a registered US citizen, being at least 18 years old, and possessing a verifiable source of income.

In regards to this, the Wells Fargo credit card caters to both customers and non-customers of other bank services, offering certain advantages for those who register.

The credit limit offered by Wells Fargo is highly customizable, carved out according to the customer’s income and requirements put forward during registration. This flexibility extends its reach to diverse audiences within the South American market.

How Do I Apply for a Wells Fargo Active Cash Card?

The application can be filed through the official Wells Fargo platform, accessible through the link provided on their website.

Existing Wells Fargo customers can expedite the process by logging in using their username and password, and take advantage of their already available information.

New customers would need to fill in details such as full name, date of birth, residential address, email, phone number, and social security number. Additionally, they need to provide financial data, including employment and housing status, income, and expenditure.

Upon submission, Wells Fargo carries out a thorough examination of the details, data, and credit score to determine eligibility. Customers can also reach out to Wells Fargo by phone or any other medium offered by the bank.

It should be noted that all applications for the credit card are considered based on Wells Fargo’s availability, and meeting the specifications and requirements does not guarantee approval.

Further Information

The Wells Fargo card offers a host of advantages, including an app that serves all essential daily needs and advanced security measures like voice recognition and two-step verification.

It also provides mobile phone protection – up to $600 against damage or theft, subject to a deductible.

The card supports all forms of contactless payment technologies and digital wallet options, adding to user convenience. It also has zero liability protection, giving customers added security against unauthorized transactions.

Interested in other alternatives?

The North American market offers plenty of credit card options, one being the American Express Gold, trustworthy and secure as any other Amex card.

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