Wells Fargo Active Cash® Card: A $200 Cash Rewards Bonus After Spending $1,000 in First 3 Months
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Update: This popular offer is still available
Wells Fargo is offering a $200 cash rewards bonus when you spend $1,000 in purchases in the first 3 months with their Active Cash® Card. Earn unlimited 2% cash rewards on purchases. No annual fee.
Thanks to Community Member pink123 for finding this deal.
Card Features:
See Rates & Fees Slickdeals may be compensated by Wells Fargo
Wells Fargo is offering a $200 cash rewards bonus when you spend $1,000 in purchases in the first 3 months with their new Active Cash℠ Credit Card. Earn unlimited 2% cash rewards on purchases. No annual fee.
Card Features:
Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
Earn unlimited 2% cash rewards on purchases
0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 19.74%, 24.74%, or 29.74% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
$0 annual fee
No categories to track or remember and cash rewards don't expire as long as your account remains open
Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
Select "Apply Now" to learn more about the product features, terms and conditions
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These responses are not provided or commissioned by the bank advertiser.
Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser.
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Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
These things are very unlikely to happen again. WF got hit with tons of fees and penalties and invested hefty in their risk compliance departments This whole thing sent a shockwave across the industry that also benefited banks' employees. Tellers don't need to aggressively cross sell bank product anymore.
Good all-rounder for those looking for a generalist card and better than Apple Card for merchants who don't take Apple Pay (there are a sizable bunch). Points are awarded monthly and with a $25 minimum for statement credit or check back (Direct Deposit isn't possible unless you have a bank account with them). Wells Fargo's latest pay with points option (I think inspired by Chase Pay Yourself Back) can get around this threshold - redemption is 1 cent to 1 point and points balance must cover the entire amount (no partial offsets). Cell Phone Protection is a good plus, few cards offer a higher rewards rate on top of this perk.
Another thing - Wells Fargo act funny if you pay too many times a month online (I think over 3 payments blocks you from making online payments for the rest of the statement period), but you can always pay over the automated phone system if you exceed this limit.
FNBO also has a 2% cash back Visa with a pre-qualification link. Might be helpful for those who don't have perfect credit and are unsure if they'll get approved. It even tells you the credit limit they'll pre-qualify you for. I got approved yesterday; it'll be my highest limit card so far.
I currently have a Wells Fargo Platinum Rewards card that only gives 1% cash back, and my account info says that I can switch to this one with no need to reapply. Is there any reason not to? My APR and credit limit would all stay the same, but I feel like there must be some catch.
I went from a Wells Fargo Visa Signature to Active Cash and saw that I was losing a few benefits but nothing really noteworthy. It was just a backup card I barely used as it was. My rate stayed the same at 12% variable which was the important thing.
My one gripe is that the card is... fugly. Its hideous, and doesn't even have the stagecoach. Its probably my best 2% card now though.
what credit bureaus do they check? I have freezes on mine
I just applied for this card on 9/5 and the pull hit Transunion according to Credit Karma. I also didn't get approved right away and I received my card today. I had first received a letter from them stating my credit score was a factor in their decision. The account was opened without any further interaction and it had a very generous limit.
If you haver an older WF such as the CASH WISE card, this may not be an upgrade depending on your credit card strategy.
I have the CASH WISE converting to this card may not be a great upgrade.
The ACTIVE CASH loses most if not all of the CASH WISE cards travel and consumer protection.
(CW - CASH WISE) (AC - Active Cash)
Travel and Emergency Assistance service - CW = YES -- AC = NO
Auto Rental Collision Damage Waiver - CW = YES -- AC = NO
Lost Luggage Reimbursement - CW = YES -- AC = NO
Roadside Dispatch - CW = YES -- AC = NO
Trip Cancellation and Interruption - CW = YES -- AC = NO
1Million Worldwide Common Carrier Travel Accident Insurance - CW = YES -- AC = NO
Extended Warranty Protection - CW = YES -- AC = No
If you have other cards that have protections and just want this for the 2% CBthen maybe.
I have Chase Sapphire and Flex and I was going to convert my CW to the AC but I would prefer to keep my Protections over .5%
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Another thing - Wells Fargo act funny if you pay too many times a month online (I think over 3 payments blocks you from making online payments for the rest of the statement period), but you can always pay over the automated phone system if you exceed this limit.
https://www.fnbo.com/personal-ban...dit-cards/
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My one gripe is that the card is... fugly. Its hideous, and doesn't even have the stagecoach. Its probably my best 2% card now though.
Do they pull your credit when you switch?
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I have the CASH WISE converting to this card may not be a great upgrade.
The ACTIVE CASH loses most if not all of the CASH WISE cards travel and consumer protection.
(CW - CASH WISE) (AC - Active Cash)
Travel and Emergency Assistance service - CW = YES -- AC = NO
Auto Rental Collision Damage Waiver - CW = YES -- AC = NO
Lost Luggage Reimbursement - CW = YES -- AC = NO
Roadside Dispatch - CW = YES -- AC = NO
Trip Cancellation and Interruption - CW = YES -- AC = NO
1Million Worldwide Common Carrier Travel Accident Insurance - CW = YES -- AC = NO
Extended Warranty Protection - CW = YES -- AC = No
If you have other cards that have protections and just want this for the 2% CBthen maybe.
I have Chase Sapphire and Flex and I was going to convert my CW to the AC but I would prefer to keep my Protections over .5%
Just got the discover card
How fast?
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It paid with my first statement