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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
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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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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



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Slickdeals may be compensated by Wells Fargo
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Created 06-28-2021 at 04:16 PM by pink123
in Credit Cards (3) See More Wells Fargo Offers
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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. 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.

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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 Dec 2014
L4: Apprentice
> bubble2 402 Posts
61 Reputation
hanstomatoes
01-21-2022 at 08:27 PM.
01-21-2022 at 08:27 PM.
This thing is fake spent over 1k in a week I don't see my $200
2
Reply
Joined Jan 2019
New User
> bubble2 2 Posts
10 Reputation
ChristopherB6363
01-22-2022 at 09:50 AM.
01-22-2022 at 09:50 AM.
Have had a great experience with this card. Easy to achieve the bonus and WF was generous with a credit line increase not terribly long after account opening. 2% cash back adds up fast if you're paying big expenses on this. I used to pay rent on the card to maximize the cash back.Also comes with cell phone protection (which isn't terribly unique) , which I just received over a $400 payout from. 15 months interest free and I've made a good $900 off this card in the first year.
Reply
Joined Jan 2019
New User
> bubble2 2 Posts
10 Reputation
ChristopherB6363
01-22-2022 at 09:52 AM.
01-22-2022 at 09:52 AM.
Quote from hanstomatoes :
This thing is fake spent over 1k in a week I don't see my $200
It will appear in a separate account on your Wells Fargo app called "Wells Fargo Rewards"
Reply
Joined Nov 2009
L3: Novice
> bubble2 172 Posts
181 Reputation
duy_mo
01-23-2022 at 08:48 AM.
01-23-2022 at 08:48 AM.
I'm guessing the promo automatically applies? Is there an indication somewhere on the account?
Reply
Joined Jun 2005
L6: Expert
> bubble2 1,306 Posts
262 Reputation
teon
01-23-2022 at 10:37 AM.
01-23-2022 at 10:37 AM.
Quote from duy_mo :
I'm guessing the promo automatically applies? Is there an indication somewhere on the account?

Download its App, go to the card and in the middle of the screen, there is a section tells you what you need to spend by what date to get $200 bonus. Click on the Track button to get more details.
Reply
Joined Oct 2021
L5: Journeyman
> bubble2 526 Posts
114 Reputation
CrimsonRose733
01-23-2022 at 10:54 AM.
01-23-2022 at 10:54 AM.
Quote from Boobooo :
LOL - You mean they can't make 'enough' money... The money they could make on EVERY transaction just isn't enough for these people...
Honestly if they are giving 2% back on every transaction, that's about what the make in merchant fees. So they likely would make zero on people that always pay it off immediately. Especially given they also paid $200 bonus.

This is likely to meet some awful corporate quota for new customers and then they hope to upsell you to other products. And of course a good percentage of people will screw up their budgets and end up with a long term balance at 20%. That always happens.
Reply
Last edited by CrimsonRose733 January 23, 2022 at 10:56 AM.
Joined Dec 2009
L4: Apprentice
> bubble2 380 Posts
878 Reputation
Boobooo
01-23-2022 at 11:28 AM.
01-23-2022 at 11:28 AM.
Not trying to harp on them as it's not like I would ever do business there, but I looked it up... plain and simple - they bank off everyone and then when that's not enough, they do it dishonestly... and even though they get caught, the fines and punishments are never enough to change their ways... morals and ethics don't appear to be part of the corporate culture...

Business to Consumer Fees they charge:

Total monthly processing volume Per tap, dip, swipe transaction2 Per online or keyed-in transaction
Details Details Details
$0 - $14,999.99 2.60% + $0.15 3.40% + $0.15
$15,000 - $39,999.99 2.40% + $0.15 3.20% + $0.15
$40,000 & up 2.20% + $0.15 3.10% + $0.15
Reply
Last edited by Boobooo January 23, 2022 at 11:31 AM.

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Joined Feb 2020
New User
> bubble2 9 Posts
14 Reputation
OrangeRock808
01-23-2022 at 03:38 PM.
01-23-2022 at 03:38 PM.
What credit line are people seeing on this card?
Reply
Joined Dec 2017
L3: Novice
> bubble2 123 Posts
69 Reputation
faqureshi1984
01-24-2022 at 09:47 PM.
01-24-2022 at 09:47 PM.
Applied today and got Approval email in 1 hour
Reply
Joined Dec 2020
L6: Expert
> bubble2 1,636 Posts
ElKarl
01-25-2022 at 06:32 AM.
01-25-2022 at 06:32 AM.
Quote from hanstomatoes :
This thing is fake spent over 1k in a week I don't see my $200
They say it will take 1 to 2 billing cycles.
Reply
Joined Dec 2020
L6: Expert
> bubble2 1,636 Posts
ElKarl
01-25-2022 at 06:35 AM.
01-25-2022 at 06:35 AM.
Quote from shivarajan :
Can't beat AOD's 3% unlimited CB Visa Card!
Do you have to have a credit union bank account to get the card?
Reply
Joined Dec 2020
L6: Expert
> bubble2 1,636 Posts
ElKarl
01-25-2022 at 06:40 AM.
01-25-2022 at 06:40 AM.
Quote from Min13 :
Well I did what was not expecting. I applied for both. Got $2,500 with WF and $15,000 with FNBO. I hate the 2 hard credit hits but why not take advantage of both $200 rewards. I will use the FNBO as my go to with the high limit and points.
Do you have to have a bank account with FNBO to get the card?
Reply
Joined Apr 2019
L5: Journeyman
> bubble2 519 Posts
76 Reputation
Min13
01-25-2022 at 07:32 AM.
01-25-2022 at 07:32 AM.
Quote from ElKarl :
Do you have to have a bank account with FNBO to get the card?
No, just apply on the website. I already got the $200. I am waiting on Wells Fargo $200 now.
Reply
Joined Dec 2020
L6: Expert
> bubble2 1,636 Posts
ElKarl
01-25-2022 at 07:45 AM.
01-25-2022 at 07:45 AM.
Quote from fallenstar879 :
hmm... wonder if that'd work for a PA resident 🤔
Thank you. Can't decide which to apply for. Saw you post about getting such a low credit limit with Well Fargo and $15,000 with FNBO while other people got a generous limit with Wells Fargo.

Probably will apply for both like you did. I will have over $2000 in credit card purchases in 3 months so would be able to get both $200 bonuses.
Reply

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Joined Apr 2005
L10: Grand Master
> bubble2 9,291 Posts
1,596 Reputation
CanesFan
01-25-2022 at 08:15 AM.
01-25-2022 at 08:15 AM.
Quote from OrangeRock808 :
What credit line are people seeing on this card?
Quote from ElKarl :
Thank you. Can't decide which to apply for. Saw you post about getting such a low credit limit with Well Fargo and $15,000 with FNBO while other people got a generous limit with Wells Fargo.

Probably will apply for both like you did. I will have over $2000 in credit card purchases in 3 months so would be able to get both $200 bonuses.
When you initially get approved by WF you will get an 'instant credit available' amount if they approve you instantly. That number should probably be higher in a few days or however long they take to fully process your info. I didn't even know they gave me a higher limit until I happened to look a week or so after since the lower limit was fine with me. I had under 10k initially and then it was a little more than double that. At least in my case.

Some of the initial lower limits might be initial credit available and people just didn't come back to update the new higher limit.
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