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Wells Fargo Active Cash® Card: A $200 Cash Rewards Bonus After Spending $1,000 in First 3 Months Expired

+334 Deal Score
1,131,654 Views
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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Slickdeals may be compensated by Wells Fargo

Original Post

Written by
Edited April 4, 2023 at 07:46 AM by
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



See Rates & Fees

Slickdeals may be compensated by Wells Fargo
Created 06-28-2021 at 04:16 PM by pink123
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Deal
Score
+334
1,131,654 Views
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.

878 Comments

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Featured Comments

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.

https://www.fnbo.com/personal-ban...dit-cards/

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Joined Jun 2020
L1: Learner
> bubble2 17 Posts
177 Reputation
PowerfulWealth217
01-09-2022 at 05:15 PM.
01-09-2022 at 05:15 PM.
Quote from alex.zeus :
I applied for this WF card a couple of weeks ago. After the hard pull, they sent me a mail (not an email) asking for my last 2 pay stubs and the only way to submit it is via regular mail or fax, that's so stupid !
Same thing happened to me! Was doing an app-o-rama and Wells Fargo didn't give me an instant offer, though it dinged the credit almost immediately. I didn't know why I'd be denied, as I hadn't applied for anything recently. Anyways just got the mail requiring two stubs. Debating whether to go ahead with it or just screw it and let it timeout. Just don't wanna put my personal info over snail mail to a bunch of strangers, especially WF. That'd suck though with the hard pull in vein if. Pondering...
Reply
Joined Nov 2015
L3: Novice
> bubble2 132 Posts
28 Reputation
alex.zeus
01-09-2022 at 10:07 PM.
01-09-2022 at 10:07 PM.
Quote from PowerfulWealth217 :
Same thing happened to me! Was doing an app-o-rama and Wells Fargo didn't give me an instant offer, though it dinged the credit almost immediately. I didn't know why I'd be denied, as I hadn't applied for anything recently. Anyways just got the mail requiring two stubs. Debating whether to go ahead with it or just screw it and let it timeout. Just don't wanna put my personal info over snail mail to a bunch of strangers, especially WF. That'd suck though with the hard pull in vein if. Pondering...
I was denied as I didn't want to share my current(past 3 months) pay-slips with them (I shared the 6M pay-slips before that) so I applied for an FNBO card w/ a credit limit of 25k with immediate approval. A week after getting my FNBO card I got a spam mail from Wells Fargo stating that I'm pre-approved for the same card that they had denied me for. This was not a good experience for me personally, I'm never touching Wells Fargo again.
Reply
Joined Mar 2010
L6: Expert
> bubble2 1,808 Posts
159 Reputation
oppayah
01-10-2022 at 04:16 PM.
01-10-2022 at 04:16 PM.
Does this card have an auto-pay option? I don't see one in my online account.
Reply
Joined Mar 2013
L3: Novice
> bubble2 208 Posts
42 Reputation
sraj
01-11-2022 at 07:37 AM.
01-11-2022 at 07:37 AM.
Quote from pink123 :
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.

According to one of the regional managers (good friend of mine) at WF, none of that has changed in their area. WF still supposedly doing the same stuff they been fined for, and the push to continue doing so still exist within their management.

I'm genuinely amazed they are still in business.
Reply
Joined Oct 2010
Live Free or Move
> bubble2 29,828 Posts
7,238 Reputation
Medic311
01-11-2022 at 09:05 AM.
01-11-2022 at 09:05 AM.
Quote from sraj :
According to one of the regional managers (good friend of mine) at WF, none of that has changed in their area. WF still supposedly doing the same stuff they been fined for, and the push to continue doing so still exist within their management.

I'm genuinely amazed they are still in business.

Yeah they are still hard selling products like before. Nothing will change there it's why I refuse to local bank with one of the big banks. Always trying to sell you something
Reply
Joined Mar 2013
L3: Novice
> bubble2 208 Posts
42 Reputation
sraj
01-11-2022 at 09:35 AM.
01-11-2022 at 09:35 AM.
Quote from Medic311 :
Yeah they are still hard selling products like before. Nothing will change there it's why I refuse to local bank with one of the big banks. Always trying to sell you something

Well I get the push to sell you their products, but when they essentially "sell you their products" without your consent or knowledge, and then end up low key charge you fees and such associated to the said products, that's downright fraud. And the fact that they're still supposedly continuing to do this, even after the slap on their wrist from the gov't is what amazes me as to how ppl still take the chance.

Also, another major case against WF that they tried to cover up was when they sold their military veterans mortgages to some other bank (like most mortgages) and delayed/withheld transacting the payments to the new lender, even though the veterans were paying WF on timely manner. Many veterans lost their homes because the new lender claimed they either never got the payment or it was always late, even though the customers weren't supposedly aware of it until the foreclosure notice came. Ones that didn't lose their houses still supposedly got their credits ruined. WF also got fined for that, but they tried to downplay it and hide it with other scandals real quick lol
Reply
Last edited by sraj January 11, 2022 at 09:37 AM.
Joined Oct 2010
Live Free or Move
> bubble2 29,828 Posts
7,238 Reputation
Medic311
01-11-2022 at 10:41 AM.
01-11-2022 at 10:41 AM.
Quote from sraj :
Well I get the push to sell you their products, but when they essentially "sell you their products" without your consent or knowledge, and then end up low key charge you fees and such associated to the said products, that's downright fraud. And the fact that they're still supposedly continuing to do this, even after the slap on their wrist from the gov't is what amazes me as to how ppl still take the chance.

Also, another major case against WF that they tried to cover up was when they sold their military veterans mortgages to some other bank (like most mortgages) and delayed/withheld transacting the payments to the new lender, even though the veterans were paying WF on timely manner. Many veterans lost their homes because the new lender claimed they either never got the payment or it was always late, even though the customers weren't supposedly aware of it until the foreclosure notice came. Ones that didn't lose their houses still supposedly got their credits ruined. WF also got fined for that, but they tried to downplay it and hide it with other scandals real quick lol
Wells Fargo and Bank of America are both truly the scum of the earth
Reply

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Joined Aug 2011
L4: Apprentice
> bubble2 377 Posts
32 Reputation
axgrndr
01-11-2022 at 09:11 PM.
01-11-2022 at 09:11 PM.
Quote from Boobooo :
are they seriously still in business? I thought they just opened up accounts for you anyways so you don't even need to sign up to bank on this deal...
smh...

Sorry Wells Fargo - but you still suffer from a lack of trust...

That was at least 1 CEO ago...maybe 2 CEOs.
You have a l-o-n-g mam-ree.

Yessiree...that was 2 CEOs ago...J. Stumpf, T. Sloan & C. Scharf.
Reply
Last edited by axgrndr January 11, 2022 at 09:18 PM.
Joined Dec 2009
L4: Apprentice
> bubble2 380 Posts
878 Reputation
Boobooo
01-12-2022 at 02:11 AM.
01-12-2022 at 02:11 AM.
Quote from axgrndr :
That was at least 1 CEO ago...maybe 2 CEOs.
You have a l-o-n-g mam-ree.

Yessiree...that was 2 CEOs ago...J. Stumpf, T. Sloan & C. Scharf.
You do know they got caught in more scandals multiple times over the past several years? Last September (2021) another suit was brought by the FBI and US Attorneys... Maybe replacing just the CEO isn't enough... Perhaps it's the culture... but if you want to trust them go for it... I'd personally advise against it...
Reply
Joined Jul 2006
L3: Novice
> bubble2 230 Posts
38 Reputation
STIBungy
01-12-2022 at 09:00 AM.
01-12-2022 at 09:00 AM.
I got their Cash Wise card just for the cell phone protection. Made a claim when I damaged my phone and it nearly paid for my new phone.
Reply
Joined Mar 2019
New User
> bubble2 2 Posts
10 Reputation
JJ1985
01-12-2022 at 10:28 AM.
01-12-2022 at 10:28 AM.
I applied and got denied although my FICO score is 833, my mortgage is paid off, have a government pension for life, and pay all my credit cards in full every month. Not bragging but my net worth (home, savings, stocks, cash) is in excess of $2 mil. I'm waiting for the letter that explains the denial.
Reply
Joined Apr 2005
L10: Grand Master
> bubble2 9,295 Posts
1,596 Reputation
CanesFan
01-12-2022 at 12:37 PM.
01-12-2022 at 12:37 PM.
Quote from JJ1985 :
I applied and got denied although my FICO score is 833, my mortgage is paid off, have a government pension for life, and pay all my credit cards in full every month. Not bragging but my net worth (home, savings, stocks, cash) is in excess of $2 mil. I'm waiting for the letter that explains the denial.
someone in a previous post mentioned how they were denied because they never carry a balance on their current credit cards. Not sure if they told them that straight up as the reason or if they just assumed it, but it might be the reason.

They obviously can't make money off of people who pay their balances off every month.
Reply
Joined Dec 2009
L4: Apprentice
> bubble2 380 Posts
878 Reputation
Boobooo
01-12-2022 at 05:51 PM.
01-12-2022 at 05:51 PM.
Quote from CanesFan :
someone in a previous post mentioned how they were denied because they never carry a balance on their current credit cards. Not sure if they told them that straight up as the reason or if they just assumed it, but it might be the reason.

They obviously can't make money off of people who pay their balances off every month.

LOL - You mean they can't make 'enough' money... The money they could make on EVERY transaction just isn't enough for these people...
Reply
Joined Nov 2020
New User
> bubble2 11 Posts
10 Reputation
Motokraftz
01-12-2022 at 11:38 PM.
01-12-2022 at 11:38 PM.
Opened it for the $200 incentive. Going to cancel soon. I have $20 in rewards but can't redeem until $25 increments. That's a deal breaker!
Reply

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Joined Oct 2012
L6: Expert
> bubble2 1,708 Posts
612 Reputation
A4Apple
01-13-2022 at 01:28 AM.
01-13-2022 at 01:28 AM.
Quote from JJ1985 :
I applied and got denied although my FICO score is 833, my mortgage is paid off, have a government pension for life, and pay all my credit cards in full every month. Not bragging but my net worth (home, savings, stocks, cash) is in excess of $2 mil. I'm waiting for the letter that explains the denial.
if(customer is rich enough to not use this card enough to make us money || expected to pay full balance back ontime)
{
Reject()
}
Reply
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