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:
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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
These responses are not provided or commissioned by the bank advertiser.
Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser.
It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
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.
Per NBC news.. Wells Fargo, the nation's fourth-largest bank, agreed Friday to pay a $3 billion fine to settle a civil lawsuit and resolve a criminal prosecution filed by the Justice Department over its fake account scandal. This would be your account holder if you get this card.
Where is the auto-pay feature? I can't find it on my account website.
I can't recall the specifics of what I did to set up auto-pay, but I can see that's it's configured, and I can view or delete the auto-pay configuration, when I open a specific account and select the Make Payment option. I would assume that it's an option somewhere within their Make Payment workflow.
I'm conflicted! I don't know if I should apply for this card vs PayPal MasterCard vs Synchrony Premier MasterCard vs Citi Doublecash Card.
Pros:
- Wells Fargo: Sign-Up Bonus
- PayPal: No Minimum for Rewards Redemption
- Synchrony: World MasterCard, Automatically Redeemed/No Minimum for Rewards Redemption
- Citi: Good Customer Service
Cons:
- Wells Fargo: Cannot Be Trusted, Known to Offer Low Credit Limits
- PayPal: Difficult to Reach Customer Service, Poor Customer Service, Must Use PayPal App, Must Go Through PayPal to Access Cash Back, Known to Close Accounts (Uses Synchrony), No Sign-Up Bonus
- Synchrony: Poor Customer Service, Outdated App, Known to Close Accounts, No Sign-Up Bonus
- Citi: Can Only Redeem at $25, Points Expire, Higher Credit Score Needed, No Sign-Up Bonus
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.
True. Matter of fact, they have such a big bamboo in the back, they are safest among big 4.
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'm conflicted! I don't know if I should apply for this card vs PayPal MasterCard vs Synchrony Premier MasterCard vs Citi Doublecash Card.
Pros:
- Wells Fargo: Sign-Up Bonus
- PayPal: No Minimum for Rewards Redemption
- Synchrony: World MasterCard, Automatically Redeemed/No Minimum for Rewards Redemption
- Citi: Good Customer Service
Cons:
- Wells Fargo: Cannot Be Trusted, Known to Offer Low Credit Limits
- PayPal: Difficult to Reach Customer Service, Poor Customer Service, Must Use PayPal App, Must Go Through PayPal to Access Cash Back, Known to Close Accounts (Uses Synchrony), No Sign-Up Bonus
- Synchrony: Poor Customer Service, Outdated App, Known to Close Accounts, No Sign-Up Bonus
- Citi: Can Only Redeem at $25, Points Expire, Higher Credit Score Needed, No Sign-Up Bonus
Can someone help me decide?!
I already have Citi DC, got Wells Fargo Active Cash for bonus and ability to use at Costco since it's a Visa. I did get an appallingly low credit limit for Wells Fargo Active Cash.
I was not aware of points expiring on Citi, never ran into that problem but perhaps I redeem it before it becomes an issue.
I was also having a hard time choosing if I should apply for this card. I have 1% credit usage and wanted a 2% card and the 200 sounded good. They pulled from my equifax and I got the largest credit limit I've ever had.
Picked this one for the 0% 15 months, 2% on everything and the cell phone coverage. Applied today and got 10K, but highest apr I have ever had 19.99%. Highest on any of my other cards is 14.99%
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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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Pros:
- Wells Fargo: Sign-Up Bonus
- PayPal: No Minimum for Rewards Redemption
- Synchrony: World MasterCard, Automatically Redeemed/No Minimum for Rewards Redemption
- Citi: Good Customer Service
Cons:
- Wells Fargo: Cannot Be Trusted, Known to Offer Low Credit Limits
- PayPal: Difficult to Reach Customer Service, Poor Customer Service, Must Use PayPal App, Must Go Through PayPal to Access Cash Back, Known to Close Accounts (Uses Synchrony), No Sign-Up Bonus
- Synchrony: Poor Customer Service, Outdated App, Known to Close Accounts, No Sign-Up Bonus
- Citi: Can Only Redeem at $25, Points Expire, Higher Credit Score Needed, No Sign-Up Bonus
Can someone help me decide?!
https://www.fnbo.com/personal-ban...dit-cards/
hmm... wonder if that'd work for a PA resident 🤔
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(What's even the reason for calling it Platinum…)
Pros:
- Wells Fargo: Sign-Up Bonus
- PayPal: No Minimum for Rewards Redemption
- Synchrony: World MasterCard, Automatically Redeemed/No Minimum for Rewards Redemption
- Citi: Good Customer Service
Cons:
- Wells Fargo: Cannot Be Trusted, Known to Offer Low Credit Limits
- PayPal: Difficult to Reach Customer Service, Poor Customer Service, Must Use PayPal App, Must Go Through PayPal to Access Cash Back, Known to Close Accounts (Uses Synchrony), No Sign-Up Bonus
- Synchrony: Poor Customer Service, Outdated App, Known to Close Accounts, No Sign-Up Bonus
- Citi: Can Only Redeem at $25, Points Expire, Higher Credit Score Needed, No Sign-Up Bonus
Can someone help me decide?!
I was not aware of points expiring on Citi, never ran into that problem but perhaps I redeem it before it becomes an issue.
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