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.
I should've added that the first rep I spoke to at the branch was also clueless. She asked her coworker who knew exactly how to look it up on their system and I then applied with her and was out of there in less than 10 minutes. I specifically asked and was told the offer was good at any branch. So it's quite likely it's because the personal bankers you dealt with there are clueless and/or just too lazy to look it up.
Finally found a banker at a local branch that was able to pull up the $250 bonus offer. Thanks!
Finally found a banker at a local branch that was able to pull up the $250 bonus offer. Thanks!
My local Wells Fargo banker looked online for a while, but she just could not locate the $250 offer, so I got the $200. If anyone out there knows a particular way for a banker to access the $250, please leave it here, and I will send it to her. She was great otherwise.
My credit score has been sinking from the 800s to the current 634 as I am temporarily not working a regular verifiable job, and I'm almost maxed out on four credit cards for a total of 19k. (I've had no lates in the last probably eight years with any payment.) I decided to risk the hard pull and, fully expecting to be a reject, got approved (at $3500) within *3 minutes* of submission. The algorithm gods liked me (this time).
I was fully upfront about my current situation. No pay stubs were required, and my annual salary, which is hard for me to figure just now, I claimed as $30,000. I was surprised, and it certainly is a godsend for me. The card will come to me in 5 to 7 days.
In a few months my financial situation is going to radically change, and I'll pay off everything in one fell swoop. But in this moment, the relief I feel is incredible. I hope it's the last time I'm here…debt is not a happy place.
Thanks to all the folks chiming in on this thread.
I hear you, BUT it wasn't just the top brass that was in on it, it included a lot of the employees... up and down the entire chain... and that is why the 3billion in fines is nothing compared to the ongoing issues they will have in regaining the trust of their clients or any future client...
I have the Citi Double Cash card with 2% cash back. This looks to be exactly the same. Can anyone confirm that you can get 1:1 cashback for this card? Some cards will give you less if you want cashback like my Capitalone.
Not anymore. When they went from cashback to points, we got screwed.
Citi ThankYou points value
Usage
Example
Value Per Point
Cash Back $50 Cash Back: 10,000 points 0.5 cents
Gift Cards $25 Best Buy Gift Card: 2,500 points1 cent
Redeem For Flights $450 fare: 45,000 points1 cent
Mortgage/Student Loan Payment $25 payment: 2,500 points1 cent
Charity Donation $25 donation: 2,500 points1 cent
Shopping $829 Apple iPad Mini: 100,000 points0.83 cents
Statement Credit $10 Statement Credit: 1,000-2,000 points (depending on the card)0.5-1 cent
Amazon $80 purchase: 10,000 points0.8 cents
Not anymore. When they went from cashback to points, we got screwed.
Citi ThankYou points value
Usage
Example
Value Per Point
Cash Back $50 Cash Back: 10,000 points 0.5 cents
Gift Cards $25 Best Buy Gift Card: 2,500 points1 cent
Redeem For Flights $450 fare: 45,000 points1 cent
Mortgage/Student Loan Payment $25 payment: 2,500 points1 cent
Charity Donation $25 donation: 2,500 points1 cent
Shopping $829 Apple iPad Mini: 100,000 points0.83 cents
Statement Credit $10 Statement Credit: 1,000-2,000 points (depending on the card)0.5-1 cent
Amazon $80 purchase: 10,000 points0.8 cents
These point values aren't accurate. You can still redeem for check/direct deposit/statement credit at 1 cent a point, which still works out to 2% cash back. Citi Double Cash also has a sign-up bonus offer of $200 for $1500 right now, so it is a good option for people who prefer Citi to Wells Fargo.
Not anymore. When they went from cashback to points, we got screwed.
Citi ThankYou points value
Usage
Example
Value Per Point
Cash Back $50 Cash Back: 10,000 points 0.5 cents
Gift Cards $25 Best Buy Gift Card: 2,500 points1 cent
Redeem For Flights $450 fare: 45,000 points1 cent
Mortgage/Student Loan Payment $25 payment: 2,500 points1 cent
Charity Donation $25 donation: 2,500 points1 cent
Shopping $829 Apple iPad Mini: 100,000 points0.83 cents
Statement Credit $10 Statement Credit: 1,000-2,000 points (depending on the card)0.5-1 cent
Amazon $80 purchase: 10,000 points0.8 cents
I have both the Citi Double Cash and this Well Fargo Active Cash.
I still redeem at 1 to 1 for both.
I do a statement credit for the Active Cash and an ACH transfer to my checking account for the Double Cash.
The important difference with the Wells Fargo Active Cash is that you can only redeem in $25 increments. So, if your have 2550 points, you can only redeem 2500 points for $25 statement credit. You have to leave the 50 points. It is $20 increments if you have a Wells Fargo banking account. After getting the sign-on bonus, I stopped using the Active Cash card because of this restriction. The USBank Altitude Go has the same $25 redemption increments.
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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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Finally found a banker at a local branch that was able to pull up the $250 bonus offer. Thanks!
My local Wells Fargo banker looked online for a while, but she just could not locate the $250 offer, so I got the $200. If anyone out there knows a particular way for a banker to access the $250, please leave it here, and I will send it to her. She was great otherwise.
My credit score has been sinking from the 800s to the current 634 as I am temporarily not working a regular verifiable job, and I'm almost maxed out on four credit cards for a total of 19k. (I've had no lates in the last probably eight years with any payment.) I decided to risk the hard pull and, fully expecting to be a reject, got approved (at $3500) within *3 minutes* of submission. The algorithm gods liked me (this time).
I was fully upfront about my current situation. No pay stubs were required, and my annual salary, which is hard for me to figure just now, I claimed as $30,000. I was surprised, and it certainly is a godsend for me. The card will come to me in 5 to 7 days.
In a few months my financial situation is going to radically change, and I'll pay off everything in one fell swoop. But in this moment, the relief I feel is incredible. I hope it's the last time I'm here…debt is not a happy place.
Thanks to all the folks chiming in on this thread.
I'm out...
What next
Not anymore. When they went from cashback to points, we got screwed.
Citi ThankYou points value
Usage
Example
Value Per Point
Cash Back $50 Cash Back: 10,000 points 0.5 cents
Gift Cards $25 Best Buy Gift Card: 2,500 points1 cent
Redeem For Flights $450 fare: 45,000 points1 cent
Mortgage/Student Loan Payment $25 payment: 2,500 points1 cent
Charity Donation $25 donation: 2,500 points1 cent
Shopping $829 Apple iPad Mini: 100,000 points0.83 cents
Statement Credit $10 Statement Credit: 1,000-2,000 points (depending on the card)0.5-1 cent
Amazon $80 purchase: 10,000 points0.8 cents
Citi ThankYou points value
Usage
Example
Value Per Point
Cash Back $50 Cash Back: 10,000 points 0.5 cents
Gift Cards $25 Best Buy Gift Card: 2,500 points1 cent
Redeem For Flights $450 fare: 45,000 points1 cent
Mortgage/Student Loan Payment $25 payment: 2,500 points1 cent
Charity Donation $25 donation: 2,500 points1 cent
Shopping $829 Apple iPad Mini: 100,000 points0.83 cents
Statement Credit $10 Statement Credit: 1,000-2,000 points (depending on the card)0.5-1 cent
Amazon $80 purchase: 10,000 points0.8 cents
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yeah, that's pretty random
Citi ThankYou points value
Usage
Example
Value Per Point
Cash Back $50 Cash Back: 10,000 points 0.5 cents
Gift Cards $25 Best Buy Gift Card: 2,500 points1 cent
Redeem For Flights $450 fare: 45,000 points1 cent
Mortgage/Student Loan Payment $25 payment: 2,500 points1 cent
Charity Donation $25 donation: 2,500 points1 cent
Shopping $829 Apple iPad Mini: 100,000 points0.83 cents
Statement Credit $10 Statement Credit: 1,000-2,000 points (depending on the card)0.5-1 cent
Amazon $80 purchase: 10,000 points0.8 cents
I still redeem at 1 to 1 for both.
I do a statement credit for the Active Cash and an ACH transfer to my checking account for the Double Cash.
The important difference with the Wells Fargo Active Cash is that you can only redeem in $25 increments. So, if your have 2550 points, you can only redeem 2500 points for $25 statement credit. You have to leave the 50 points. It is $20 increments if you have a Wells Fargo banking account. After getting the sign-on bonus, I stopped using the Active Cash card because of this restriction. The USBank Altitude Go has the same $25 redemption increments.
🤔 I'm thinking get Autograph first then 6 months later get Active Cash ??
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