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Wells Fargo Active Cash® Card: Spend $500 in First 3 Months

Earn A $200 Cash Rewards Bonus
+273 Deal Score
656,878 Views
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:
  • Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
  • Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
  • Earn unlimited 2% cash rewards on purchases.
  • 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.24%, 24.24%, or 29.24% Variable APR thereafter; 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.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.


Rates & Fees

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Original Post

Written by
Edited May 6, 2025 at 11:27 AM by
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:
  • Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
  • Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
  • Earn unlimited 2% cash rewards on purchases.
  • 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.24%, 24.24%, or 29.24% Variable APR thereafter; 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.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.


Rates & Fees


Slickdeals may be compensated by partners, which may impact the placement of offers on the page.
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Created 04-05-2023 at 08:47 AM by EfficientGame645
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Deal
Score
+273
656,878 Views
Earn A $200 Cash Rewards Bonus
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.

596 Comments

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Featured Comments

Come on. Do not add pre-conditions to earn more. We are talking about no pre-conditions to earn 2% cash back on everything purchase and you just can't find the card to earn more. If you like conditions such as annual fee, member to open a bank account etc, that is a different thing. People may not like those conditions.
Bickering comments have been removed from this deal thread. Feel free to use the comment section to discuss the deal, but do not use your comments to attack or target other members, please and thank you. Peace
Spending $500 to get $200 bonus and earning 2% cashback on everything is not good enough? Find one to earn more than 2% cashback on everything. Can you?

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Joined Jun 2010
L5: Journeyman
> bubble2 648 Posts
111 Reputation
ebf
07-06-2023 at 11:24 PM.
07-06-2023 at 11:24 PM.
Quote from Curb71 :
No interest for 15 months.
Does that mean I have to make a minimum payment monthly or pay zero for 14 months?

Minimum for 14 months then complete current balance month 15.
Reply
Joined Feb 2016
L4: Apprentice
> bubble2 438 Posts
38 Reputation
KnightsofUFC
07-07-2023 at 08:22 AM.
07-07-2023 at 08:22 AM.
Quote from radars :
The best card with sign up bonus as well as evergreen visa by fnbo.
what makes the evergreen visa so good?
1
Reply
Joined Feb 2016
L4: Apprentice
> bubble2 438 Posts
38 Reputation
KnightsofUFC
07-07-2023 at 08:24 AM.
07-07-2023 at 08:24 AM.
Quote from Knightshade :
Yes, but if you are such a member it's more than 2% cash back

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...
Can't stand the "if you travel" mindset. NOT EVERYONE TRAVELS.
2
Reply
Joined Sep 2006
L3: Novice
> bubble2 207 Posts
44 Reputation
ksm
07-07-2023 at 10:54 AM.
07-07-2023 at 10:54 AM.
Quote from easybeart :
How long does it take to get approved? Its been 3 days and my credit score has already taken a hit. No news of approval yet. Wells Fargo is shady.
I did try applying this card online and not hear from them for a while. One day, they called me and said they cannot verify my identity so ask me to fax my driver license and residency verification. ( Yes, fax is only option in 2023) I ask them to send official mail about it since I am cautious about identity theft. They mail me letter about a week later. I faxed them as per letter. Still got another letter that my application was denied due to verification failure.
Both my wife am I are 800+ FICO score people. Before I received the second deny letter, she got pre-approved letter for the same card. So, she applied only and we got multiple cards under her name. Bummer!
So, it may take several weeks and most likely denied at the end if not instantly approved within a few hours.
Reply
Joined Sep 2009
L10: Grand Master
> bubble2 15,319 Posts
4,338 Reputation
Knightshade
07-07-2023 at 11:28 AM.
07-07-2023 at 11:28 AM.
Quote from KnightsofUFC :
Can't stand the "if you travel" mindset. NOT EVERYONE TRAVELS.

Uh, that's WHY folks specify the value is different IF you travel than if you don't.

You seem mad people are providing relevant extra info Confused
Reply
Joined Aug 2017
New User
> bubble2 4 Posts
10 Reputation
Hieu87
07-07-2023 at 09:17 PM.
07-07-2023 at 09:17 PM.
I have this card and really regret getting it. The Wells Fargo interface is clunky and Wells Fargo limits how many times you can pay down the card using an outside bank. You can only pay using an outside bank so many times a month. They really push you to open a bank account with them. The system to redeem rewards is the most obtuse and confusing system I've ever seen in a cash back rewards credit card. Terrible card and a terrible bank. Stay away if you can.
2
Reply
Joined Jul 2005
L9: Master
> bubble2 4,126 Posts
1,293 Reputation
badboy2man
07-07-2023 at 09:36 PM.
07-07-2023 at 09:36 PM.
Applied for it on 6/10 and got approved instantly. Met $500+ spend requirement on 6/29. The $200 cash rewards posted on 7/01
Reply

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Joined May 2023
New User
> bubble2 14 Posts
10 Reputation
ThriftyActivity887
07-07-2023 at 11:27 PM.
07-07-2023 at 11:27 PM.
Quote from Hieu87 :
I have this card and really regret getting it. The Wells Fargo interface is clunky and Wells Fargo limits how many times you can pay down the card using an outside bank. You can only pay using an outside bank so many times a month. They really push you to open a bank account with them. The system to redeem rewards is the most obtuse and confusing system I've ever seen in a cash back rewards credit card. Terrible card and a terrible bank. Stay away if you can.

I just got the card and i agree, their web UI is terrible compared to Ally or even Chase
Reply
Joined Nov 2012
L1: Learner
> bubble2 19 Posts
14 Reputation
RobertD2325
07-09-2023 at 09:16 AM.
07-09-2023 at 09:16 AM.
Quote from gavinsdadphil :
I have Old bad credit (charge offs etc) from decades ago.
But want to use a credit card to pay off a delinquent utility bill to rebuild my credit.
Would this card be good? Or too hard to get?
Or any suggestions from anyone?

If you have charge offs from decades ago you can have them removed from your credit reports. I suggest obtaining a report from all 3 reporting agency's first, contest the "old stuff", and after the old stuff is removed then look into a credit card.
Reply
Joined Dec 2014
L3: Novice
> bubble2 130 Posts
18 Reputation
gavinsdadphil
07-09-2023 at 09:29 AM.
07-09-2023 at 09:29 AM.
Quote from RobertD2325 :
If you have charge offs from decades ago you can have them removed from your credit reports. I suggest obtaining a report from all 3 reporting agency's first, contest the "old stuff", and after the old stuff is removed then look into a credit card.

My charge offs aren't the issue at this point (they actually have fallen off of my credit report)
The issue we have is with this wastewater bill because they didn't send us a statement for an entire year until it went to collections and then they kept adding interest to it which we couldn't keep up with, so I got to the point where I just stopped paying the bill for the last few months and now it's over $2,000.
I've spoken to some and they said that should be something that is disputable because it's not our fault if we didn't receive a bill/statement.
🤷🤦
Reply
Joined Jun 2016
L3: Novice
> bubble2 167 Posts
30 Reputation
Ahdjeixn
07-09-2023 at 05:16 PM.
07-09-2023 at 05:16 PM.
Quote from radars :
Spending $500 to get $200 bonus and earning 2% cashback on everything is not good enough? Find one to earn more than 2% cashback on everything. Can you?

For high spenders like my family we find more value in X1. Earning 3% cash back up to $7.5k/mo all year now. Yes the 3% is limited to certain stores but it has no expiration. For instance I just went back and expensed apple purchases from 2020 and got $3000 back which I deposited in savings.

The 2% from Wells Fargo, Citi and others is definitely great alternative and that's what we used for years before x1 came out.
Reply
Joined Sep 2009
L10: Grand Master
> bubble2 15,319 Posts
4,338 Reputation
Knightshade
07-09-2023 at 05:46 PM.
07-09-2023 at 05:46 PM.
But X1 anymore only gives you 3x points specifically on monthly spend above $1000 but below $7500... the first $1000 spend only gets 2x, as does any spend over $7500.

Moreover, the points are only worth 0.7 cents generally, and then 1 cent at a list of just a few dozen merchants (a chunk of those being merchants there's cards offering a lot better value for too like some airlines, online retail, etc)... so your EFFECITVE rewards on your spend are always going to be less than 3% anyway (and potentially a lot less) every month.

Seems like it'd be a lot less trouble to get BoA status and enjoy 2.625% actual cash back on everything without regard to amount of spend, or where you use the rewards- and combine with a couple of 5.25%/5x cards for the couple of categories you spend the most in.
Reply
Joined Mar 2020
L4: Apprentice
> bubble2 337 Posts
58 Reputation
easybeart
07-09-2023 at 06:18 PM.
07-09-2023 at 06:18 PM.
Lol just got denied with 811 credit and $150k+ annual gross income. I bet Wells Fargo is just phishing for personal information so they can open more fake accounts.
1
Reply
Joined Jul 2013
L9: Master
> bubble2 4,908 Posts
2,111 Reputation
JJoye
07-09-2023 at 06:29 PM.
07-09-2023 at 06:29 PM.
I was approved instantly and my credit score is in the 600s
Reply

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Joined Dec 2013
L6: Expert
> bubble2 1,826 Posts
166 Reputation
MichaelM3467
07-10-2023 at 01:20 AM.
07-10-2023 at 01:20 AM.
Quote from oakraiders510 :
Credit card interest is high. LMAOLMAOLMAOLMAOLMAO

TY captain obvious. the point they are making is buying things you other wise would with a credit card to improve your credit. I have never had nor needed credit, but many people want to buy a house or car on credit. If that is you then using credit cards responsibly is a good way to build credit. GF has a 815 credit score right now because I taught her how to use credit cards responsibly and pay off 60k credit card in 2 years. $200 for signing up and using a decent credit card seems like a good move for many people.
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