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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
1,131,407 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



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Slickdeals may be compensated by Wells Fargo
Created 06-28-2021 at 04:16 PM by pink123
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Deal
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1,131,407 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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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 Apr 2018
New User
> bubble2 12 Posts
10 Reputation
MomDadC
02-12-2022 at 09:52 AM.
02-12-2022 at 09:52 AM.
They want me to verify income. So I do and they come back and they can't read it. It's all "white"

Open your eyes WF!
Reply
Joined Dec 2015
L10: Grand Master
> bubble2 14,194 Posts
1,640 Reputation
Pro
Spaceman6969
02-13-2022 at 12:11 AM.
02-13-2022 at 12:11 AM.
Quote from T_P85D :
Here is a card that gives $500 back, just spend $2k and close it in the first year to avoid annual fee.

https://www.usbank.com/credit-car...7-14525644

Wouldn't closing the account prematurely results in negative credit points? My score is 780 and I have too many CC Frown that I had applied with the past 12 months
Reply
Joined Nov 2009
L4: Apprentice
> bubble2 368 Posts
124 Reputation
zeldamc
02-13-2022 at 03:04 AM.
02-13-2022 at 03:04 AM.
Wells Fargo customers, the offer to customers via their web or mobile app does not offer $200 off first $1000, but this link does. Got it and it works. Using for almost every purchase.
Reply
Joined Dec 2018
New User
> bubble2 1 Posts
10 Reputation
Jayops
02-13-2022 at 07:37 AM.
02-13-2022 at 07:37 AM.
They still are very sneaky bank and charge a lot of unauthorized fees unless you monitor the account very carefully
Reply
Joined Feb 2020
L3: Novice
> bubble2 100 Posts
30 Reputation
Respinoza89
02-13-2022 at 01:30 PM.
02-13-2022 at 01:30 PM.
Has anyone actually used this?

"Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Active Cash℠ Card"

I want to know anyones experience with this
Reply
Joined Jul 2006
L2: Beginner
> bubble2 266 Posts
103 Reputation
bluter
02-13-2022 at 03:45 PM.
02-13-2022 at 03:45 PM.
Quote from Respinoza89 :
Has anyone actually used this?

"Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Active Cash℠ Card"

I want to know anyones experience with this
I too would love to hear if anyone has been able to use this coverage.

From their application "This is supplemental coverage not otherwise covered by another insurance policy (for example, cell phone insurance programs, or your homeowner's, renter's, automobile, or employer's insurance policies) and may be applied after all other insurance is exhausted."
https://www08.wellsfargomedia.com...nefits.pdf
Reply
Last edited by bluter February 13, 2022 at 04:10 PM.
Joined Dec 2017
L2: Beginner
> bubble2 58 Posts
14 Reputation
Livewire44
02-14-2022 at 08:41 AM.
02-14-2022 at 08:41 AM.
Quote from bluter :
I too would love to hear if anyone has been able to use this coverage.

From their application "This is supplemental coverage not otherwise covered by another insurance policy (for example, cell phone insurance programs, or your homeowner's, renter's, automobile, or employer's insurance policies) and may be applied after all other insurance is exhausted."
https://www08.wellsfargomedia.com...nefits.pdf [wellsfargomedia.com]
https://www.reddit.com/r/personal...lls_fargo/

Seems like a good experience based on the comment section
Reply

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Joined Sep 2009
L3: Novice
> bubble2 299 Posts
79 Reputation
Won
02-14-2022 at 01:56 PM.
02-14-2022 at 01:56 PM.
Quote from CosmologicalConstant :
Why, isn't this a better card that Citi Double Cash offering better benefits? Double Cash is only good for the 2% and doesn't offer other benefits.
I would not go with Citi. I had the Citi Double Cash and am looking to replace it. Their whole dispute process is a nightmare and they the contempt they show for their customers is gross. I filed a dispute and they make every effort to side with the merchant despite it being such an open and shut case. Literally took direct quotation of the merchant's policies and how it violated it along with other evidence and they denied it with no explanation. I finally talked to a banker in store who after an hour was able to get into contact with someone who said they would credit me the entire amount and then fraudulently changed my dispute amount to about 10% of the actual total. The entire back and forth process was unnecessarily stressful and difficult.

Shiti Bank more like it.
Reply
Joined Feb 2016
L3: Novice
> bubble2 179 Posts
66 Reputation
malet
02-16-2022 at 06:29 AM.
02-16-2022 at 06:29 AM.
I just got my first statement. I've met the spending requirement for the $200 bonus. My rewards balance still shows 0 (the statement shows this, but says balance as of 1/31/22; the web site also shows 0 currently.) Is this normal?
Reply
Joined Dec 2006
L6: Expert
> bubble2 1,426 Posts
475 Reputation
GeorgeMcFly
02-16-2022 at 03:16 PM.
02-16-2022 at 03:16 PM.
Quote from SmokeyBubz :
You need to read again and make an accurate reply. To ACTUALLY redeem cash back to your account or as credit statement, the minimum claim is $25 and then in increments of $25 thereafter.

You're talking about the points earned from your purchases, yes that is shown at each monthly statement…like every cc in existence. It has nothing to do with claiming out your cash rewards.
That's a shame. I have the WF Propel Amex card which I do love.. but it has that $25 minimum redemption requirement, too. They really just need to get rid of it. None of my other credit cards have this requirement. You can do any redemption in any amount at any time.

I'm hoping what we get out of this deal is more upcoming, competing banks/credit cards offering flat 2% cash back offers.
Reply
Joined Sep 2021
L6: Expert
> bubble2 1,304 Posts
309 Reputation
Pro
Wyvern1
02-16-2022 at 06:32 PM.
02-16-2022 at 06:32 PM.
Quote from SmokeyBubz :
You need to read again and make an accurate reply. To ACTUALLY redeem cash back to your account or as credit statement, the minimum claim is $25 and then in increments of $25 thereafter.

You're talking about the points earned from your purchases, yes that is shown at each monthly statement…like every cc in existence. It has nothing to do with claiming out your cash rewards.
ah so similar to the way citi does it for the dc
Reply
Joined Jan 2013
L2: Beginner
> bubble2 38 Posts
22 Reputation
themiser307
02-16-2022 at 06:56 PM.
02-16-2022 at 06:56 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...
Open one account and get twelve free, without yoyr knowledge of course. As for naysayers that WF won't do it again, they have done it on a mass level twice that I can recall since 2008.
Reply
Joined Oct 2008
L4: Apprentice
> bubble2 435 Posts
110 Reputation
btlist
02-17-2022 at 05:23 AM.
02-17-2022 at 05:23 AM.
Quote from JediAhsokaTano :
No way this is true I use my Wells Fargo credit card like a debit card and send a payment almost everyday.
Why would you do this? Aren't you losing out on all the reward points?
Reply
Joined Apr 2005
L10: Grand Master
> bubble2 9,291 Posts
1,596 Reputation
CanesFan
02-17-2022 at 07:55 AM.
02-17-2022 at 07:55 AM.
Quote from btlist :
Why would you do this? Aren't you losing out on all the reward points?
They said "like a debit card", meaning they don't carry a balance on it by sending a payment for the amount charged on almost a daily basis. It's still a credit card and you get points/rewards, they just don't allow the charges to accumulate too much. Most people would probably wait until they get their bill to pay it off completely but this is another way of doing it to not have to pay interest on the charges.
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Joined Feb 2021
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> bubble2 1,773 Posts
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nyc10036
02-17-2022 at 08:04 AM.
02-17-2022 at 08:04 AM.
How soon after the $1000 spend do you get the $200 bonus?
It seems from the wording that you could be waiting 2 or 3 statement cycles.


.
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