Earn A $200 Cash Rewards Bonus
Wells Fargo is offering a $200 cash rewards bonus when you spend $500 in purchases in the first 3 months with their Wells Fargo Active Cash® Card. Earn unlimited 2% cash rewards on purchases. Low annual fee.
Card Features:
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Edited August 26, 2026
at 07:50 AM
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Wells Fargo is offering a $200 cash rewards bonus when you spend $500 in purchases in the first 3 months with their Wells Fargo Active Cash® Card. Earn unlimited 2% cash rewards on purchases. Low annual fee.
Card Features:
Slickdeals may be compensated by partners, which may impact the placement of offers on the page.
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Cancelling some CC's today. Need to find out how to dump 130k amex points and like 30k capitalone. Guess I need to travel soon.
Credit is so weird. I have car loans and a previous mortgage paid off. I get a notice saying I don't have enough installment loans and it's affecting my credit. That's after just paying my car off. So basically you have to be in debt to keep your credit up. What a system we have!!
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Wait... $500 is considered a large medical expense? You must be living in Europe then. Try $5,500 for braces or $3000 to $5000 per dental implant with crown. This card isn't going to cut it. Go with the big boys like Chase Sapphire Reserve or Ink where you can get up to $1k in bonus points for spending 6k within 3 months. And yes I'm speaking from personal experiences. Put in the time and effort to take good care of your teeth early on and you will avoid these high expenses later on in life.
There are many cards you can get 2% more Cashback for everything if you know how!...
For example, BofA Unlimited Cash Rewards credit card to give me 2.65% cashback (1.5% plus 75% more for the member)
At least using a card to do this helps me to also fix my credit at the same time without making unnecessary purchases 🧠👍
I'm not going to suggest that you contact the old debt holder asking for an offer in compromise to settle the debt because they don't care if it's settled. All that will do is reactivate the old debt. (this was my experience with my ex in trying to settle her medical bills)
Used to be a statute of 10 years, but that may depend on the state you reside in.
You can also dispute the old charge via the credit reporting agencies. Say, file a letter explaining that you were unemployed, had medical issues, etc. if applicable.
I'm not going to suggest that you contact the old debt holder asking for an offer in compromise to settle the debt because they don't care if it's settled. All that will do is reactivate the old debt. (this was my experience with my ex in trying to settle her medical bills)
Used to be a statute of 10 years, but that may depend on the state you reside in.
You can also dispute the old charge via the credit reporting agencies. Say, file a letter explaining that you were unemployed, had medical issues, etc. if applicable.
Wastewater didn't mail us a bill for 10-12 MONTHS, then they decide to take us to collections for $1200.
We've been caregivers for a blind friend of mine for 17 years (whom helped cover rent in exchange for her care) and she recently lost a leg to gangrene.
So she's been in a nursing home for the last 2 years and unable to help with bills.
Once that went to collections we haven't been able to catch up with it.
And both my girlfriend and I have checkered credit.
We live in Kansas
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We've been caregivers for a blind friend of mine for 17 years (whom helped cover rent in exchange for her care) and she recently lost a leg to gangrene.
So she's been in a nursing home for the last 2 years and unable to help with bills.
Once that went to collections we haven't been able to catch up with it.
And both my girlfriend and I have checkered credit.
We live in Kansas
What I discovered on my path to trying to get things "right" is that in most cases, the actual debt is bought by a collections agency for pennies on the dollar, and that the businesses simply write off the debt.
In your case, if the debt is still being held by the original owner, maybe an offer in compromise could be in order? Or at least offer payments to get to $1200, as long as they agree to mark the account paid in full.
If you sign up for CK the debt should be listed and whom it is held by. They also have links that will suggest credit cards / offers that you could qualify for.
To rebuild your credit, and get a credit card, look for banks that will let you establish some type of escrow (deposit money in the bank) and issue you a card that will be limited by the escrow. Or, get a high risk card? Max it out and pay it off every month, and you will rebuild your credit one month at a time. (took my sister 4 years but she is in the 800's now)
You really have to be honest with yourself though. The above path is only if you can be responsible with credit and pay any balances in full each and every time. Interest rates are at outlandish rates and you will dig yourself in a hole quickly if you try to make payments.
What I discovered on my path to trying to get things "right" is that in most cases, the actual debt is bought by a collections agency for pennies on the dollar, and that the businesses simply write off the debt.
In your case, if the debt is still being held by the original owner, maybe an offer in compromise could be in order? Or at least offer payments to get to $1200, as long as they agree to mark the account paid in full.
If you sign up for CK the debt should be listed and whom it is held by. They also have links that will suggest credit cards / offers that you could qualify for.
To rebuild your credit, and get a credit card, look for banks that will let you establish some type of escrow (deposit money in the bank) and issue you a card that will be limited by the escrow. Or, get a high risk card? Max it out and pay it off every month, and you will rebuild your credit one month at a time. (took my sister 4 years but she is in the 800's now)
You really have to be honest with yourself though. The above path is only if you can be responsible with credit and pay any balances in full each and every time. Interest rates are at outlandish rates and you will dig yourself in a hole quickly if you try to make payments.
Oh I forgot to mention that over the last year or so (even though I've made SOME payments) they still ran it up to $1700.
Thanks for your advice.
🤨🫤👆
And move debt to a 0% Apr credit crad the first year. Pay debt while avoiding more interesting (and don't accrue more debt, obvs)
Thanks for your advice.
Further, Amex has a card that earns 2x MR points on everything- which if you travel at all is ALSO worth more than 2% cash.
Likewise Chase has one earning 1.5x UR on everything- which again if you travel is ALSO worth more than 2% cash.
$200 for a $500 spend is a perfectly decent signup bonus if you can't afford the higher spend on the larger bonuses- but as an actual card for ongoing use this one is pretty meh compared to other options.... and even THEN there's better $500 spend card signups right now from Chase for example-- which offers 20,000 UR points (which is $200 cash, but again potentially more than that if you travel much) plus 5% back on groceries for a year on 2 different cards (and you can get both- and both also offer bonuses in other categories too)
Now, if you NEVER travel.... well, I'd still take $200 plus 5% back on groceries all year before this one... and it'd give you more reason to obtain BoA status to get their 2.625% on everything option too...
And how much more are we talking? This is plain and simple cash back, not MR that you need to redeem. I got my Amex because of its PriorityPass benefit which makes it worth the $100 fee but I'm thinking of canceling it.
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For example there a card that will get you a 35% point refund for airline bookings in the portal (one airline of your choice in coach, any airline you want in business class), effectively making all points 1.35 cents instead of 1....so a 2x earning card would be 2.7% cash equivalent.
There's also another card that if you hold it you can cash points in for 1.1 cents directly, meaning a 2x MR card is 2.2% cash back on everything- though unless you never travel it's not a good value on points compared to use for travel.
But if you hold neither of those cards then transfers to airlines is the way.
Literally none of that is true.
So just under 15% cash back equivalent on my spending using a 2x MR earning card.
You certainly won't ALWAYS get that good a value...but it's incredibly, trivially, easy to beat 1 cent a point, even for coach fares, via transfers.
There's many OTHER reasons one might want to hold amex cards, or learn how to get value from their points- but that's not really one of em.