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

Earn A $200 Cash Rewards Bonus
+273 Deal Score
657,271 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
If you take advantage of an offer on our site, Slickdeals may receive a commission.
Deal
Score
+273
657,271 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 Nov 2013
L4: Apprentice
> bubble2 440 Posts
48 Reputation
KobeBryant824
06-18-2024 at 06:41 PM.
06-18-2024 at 06:41 PM.
Quote from Papi-Chino :
I cancelled after getting my bonus. Also, didnt like that they make you redeem cash back in $25 increments. James Wentworth says, "It's my money and I want it now!!"
They don't though? I can cash out on any number in the app.
Reply
Joined Nov 2007
L6: Expert
> bubble2 1,257 Posts
211 Reputation
eric_cartman
06-21-2024 at 05:57 AM.
06-21-2024 at 05:57 AM.
Quote from KobeBryant824 :
They don't though? I can cash out on any number in the app.

But don't they require you to cash out into a Wells Fargo account? That's what I recall a couple years ago when I considered getting their card. I stuck with Citi's 2% because I could cash out any amount into any bank account.
Reply
Joined Aug 2004
...
> bubble2 9,764 Posts
5,106 Reputation
JaTaN
06-21-2024 at 06:40 AM.
06-21-2024 at 06:40 AM.
Quote from eric_cartman :
But don't they require you to cash out into a Wells Fargo account? That's what I recall a couple years ago when I considered getting their card. I stuck with Citi's 2% because I could cash out any amount into any bank account.
Not sure if they allow any bank account -- I don't have any bank accounts linked but it might just be to WF checking accounts only

You can cash out any amount for a statement credit to the card (min $0.01) -- if you want a mailed check then its in $25 increments

They also put some gift cards on sale from time to time (min $25 worth) -- some are 10% off right now

If you had $500 in purchases then you would get $10 cash back + $200 sign up bonus = $210 in rewards -- you could:
1) buy up to $225 GCs on sale for $202.50 and remaining $7.50 as statement credit
2) $210 statement credit
3) $200 check and $10 statement credit
Reply
Joined Oct 2011
noob
> bubble2 436 Posts
124 Reputation
blupupher
06-24-2024 at 01:45 PM.
06-24-2024 at 01:45 PM.
Quote from JaTaN :
Not sure if they allow any bank account -- I don't have any bank accounts linked but it might just be to WF checking accounts only

You can cash out any amount for a statement credit to the card (min $0.01) -- if you want a mailed check then its in $25 increments

They also put some gift cards on sale from time to time (min $25 worth) -- some are 10% off right now

If you had $500 in purchases then you would get $10 cash back + $200 sign up bonus = $210 in rewards -- you could:
1) buy up to $225 GCs on sale for $202.50 and remaining $7.50 as statement credit
2) $210 statement credit
3) $200 check and $10 statement credit
I just got a $214.xx gift card to Amazon. Took like 2 days to get it once I put in for it.
Card is now a back up card to use on sketchy purchases. May cancel it, not sure yet.

Just signed up for the Capital One deal that is about the same as this (spend $500 in 3 months, get $200, but is only 1.5% cash back). Will cancel this card once money is received.
1
Reply
Joined Jul 2019
L3: Novice
> bubble2 232 Posts
118 Reputation
WiseLlama2461
06-27-2024 at 05:50 AM.
06-27-2024 at 05:50 AM.
Quote from blupupher :
I just got a $214.xx gift card to Amazon. Took like 2 days to get it once I put in for it.
Card is now a back up card to use on sketchy purchases. May cancel it, not sure yet.

Just signed up for the Capital One deal that is about the same as this (spend $500 in 3 months, get $200, but is only 1.5% cash back). Will cancel this card once money is received.
I was always under the impression that canceling a credit card is a bad thing? I just did another quick search and everything seems to suggest that it is a bad thing.
Reply
Joined Oct 2011
noob
> bubble2 436 Posts
124 Reputation
blupupher
06-27-2024 at 07:30 PM.
06-27-2024 at 07:30 PM.
Quote from WiseLlama2461 :
I was always under the impression that canceling a credit card is a bad thing? I just did another quick search and everything seems to suggest that it is a bad thing.
It depends
If you close an old account, it has big impact
Also your balance on cards makes a difference in credit utilization.
If I have $20,000 over 4 cards with a 5,000 balance, I am using 1/4 of my available credit. If I drop one card with a $5,000 limit, I am now using 1/3 of my credit limit, which looks bad.

I don't care if my score drops. I don't need credit. My credit history is older than many here (my oldest card I have had for over 30 years). I just use it occasionally for things like this.
I carry no debt, so my credit utilization is 0.
If I have $120,000 credit available over 4 cards or $100,000 over 3 cards , I am still using 0% of my credit.
I am cancelling a new card, no real effect on that part either.
1
Reply
Joined Dec 2018
L4: Apprentice
> bubble2 326 Posts
87 Reputation
ski522
06-30-2024 at 02:24 AM.
06-30-2024 at 02:24 AM.
Quote from eaims1 :
You can use a credit card to put money into a CD? Seems like quite the loophole that banks would've noticed and locked down by now.
Correct, cash advances are at 29.99% variable on this card, so doing that to buy a 5% CD would not be a smart idea. The 0% is only on balance transfers and I believe purchases on the card. I'm not aware of any bank letting you purchase a CD with a credit card.
Reply

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Joined Apr 2006
L10: Grand Master
> bubble2 9,648 Posts
1,049 Reputation
Tnyc
07-21-2024 at 08:33 AM.
07-21-2024 at 08:33 AM.
Got an account pending during application process. A minute later an email arrived that said the account is approved with a 10k credit. Nice! How long does it take for the physical card to arrive?
Reply
Joined Jan 2010
L6: Expert
> bubble2 1,362 Posts
444 Reputation
Gysper
07-22-2024 at 11:05 PM.
07-22-2024 at 11:05 PM.
Had Chase and Discover but wanted to get a spend card. Applied and got approved with a 7500 limit even though all my other cards are 10k+ and I have a 800 credit score. Maybe I'm a bit sassy but the CL seems a bit low although I never had Wells Fargo before. But happy to say I'll probably end up just using this for the bonus.
Reply
Joined Jan 2005
Don't want no Reps
> bubble2 1,945 Posts
snotrag
07-27-2024 at 08:02 AM.
07-27-2024 at 08:02 AM.
The bank was revealed to have created fake accounts. NO THANKS
Reply
Joined Dec 2021
Custom User Title
> bubble2 726 Posts
105 Reputation
LastButNotLeast
07-27-2024 at 08:37 AM.
07-27-2024 at 08:37 AM.
Can we have a party for the one year anniversary of this (promoted) "deal" on the frontpage?
Reply
Joined Oct 2010
L42069: Thicc
> bubble2 524 Posts
70 Reputation
aNewYorkthing
07-27-2024 at 08:55 AM.
07-27-2024 at 08:55 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...

Hey dude, I know this post is over a year old but question for you if you see this.

I have very good credit but haven't traveled in forever... what Amex would you recommend for me if I plan on traveling next year (1-2 trips a year one within US, one international) and plan on traveling more than 1-2 a year further down the road. I know nothing about the Amex world. Thanks.
Reply
Joined Sep 2009
L10: Grand Master
> bubble2 15,320 Posts
4,338 Reputation
Knightshade
07-27-2024 at 11:58 AM.
07-27-2024 at 11:58 AM.
Quote from aNewYorkthing :
Hey dude, I know this post is over a year old but question for you if you see this.

I have very good credit but haven't traveled in forever... what Amex would you recommend for me if I plan on traveling next year (1-2 trips a year one within US, one international) and plan on traveling more than 1-2 a year further down the road. I know nothing about the Amex world. Thanks.

So there's a couple perspectives for this-- if you're talking cards that provide some benefit to the travel itself, that's mainly the Amex Platinum card to get access to Centurion lounges... (also gets you free Priority Pass, Clear and precheck/global entry, but many other cards do too). This isn't quite as much a slam dunk as it used to be because as of early last year they no longer let you bring in free guests, but if you're travelling alone they're still (broadly speaking) the best airport lounges.

The Plat has a high annual fee, so it's not (usually) worth keeping beyond the first year- but in that first year you can get (depending how much you use/value the various credits) most or all of the annual fee back in value, plus the signup bonus which I think is like 175k points for 8k spend these days... (so $1750 to potentially several times that when used for travel).



The other perspective is best cards for earning the MR points... SUBs are, by a large margin, the best way- so you'd want to look to churn through as many as you can support with your spending (without carrying a balance or overspending)--- typically Amex SUBs are once per lifetime (though there's exceptions) so you want to tend to go for "best" offers as they come along.... For example the Amex Everyday card is only offering 10k points for a SUB right now, but it does 25k from time to time so you'd wait for that.

Once you get through all the various SUBs (which ought to be able to rack you up at least 500k points- maybe twice that if you can also do the various business SUBs- Plus a decent number of points and free night certs for Hilton with Amex, IHG with Chase, and Marriott with both Amex/Chase depending how you do it) then it'll come down to what you tend to spend the most on....

Personally I find the Chase ecosystem better here (again after you've churned through all the chase SUBs- and you actually want to do those BEFORE Amex due to 5/24) because of the 5x earning opportunities even on free cards (vs Amex where 2x on non-category is the best you can generally do without annual fees- and the "best" annual fee earner with Amex just got refreshed in a bad way)... But "normal" point earnings as I mention is very secondary to churning through SUBs so if you're starting out it'll be at least a couple years before it's a major concern...
Reply
Joined Jun 2024
New User
> bubble2 14 Posts
14 Reputation
DelightfulRoute720
07-27-2024 at 02:05 PM.
07-27-2024 at 02:05 PM.
I have Penfed 2% cash back card on everything plus 0 foreign transaction fees which this card does not have.
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Joined Nov 2018
L3: Novice
> bubble2 178 Posts
30 Reputation
Madnjack
07-27-2024 at 05:35 PM.
07-27-2024 at 05:35 PM.
Quote from cgigate :
of course, I can.

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)

0.75% extra when you keep $50k in BofA account(s).
1
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