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

Earn A $200 Cash Rewards Bonus
+274 Deal Score
656,151 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
+274
656,151 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 Aug 2019
L4: Apprentice
> bubble2 327 Posts
42 Reputation
HolyMollyCow
05-09-2025 at 11:57 AM.
05-09-2025 at 11:57 AM.
Great deal and I personally never had an issue with Wells Fargo despite all their malpractices in the past
Reply
Joined Apr 2010
L3: Novice
> bubble2 144 Posts
29 Reputation
piyusha
05-09-2025 at 12:00 PM.
05-09-2025 at 12:00 PM.
How much is Annual feee?
Reply
Joined Jul 2008
L6: Expert
> bubble2 1,828 Posts
285 Reputation
localHero
05-09-2025 at 12:51 PM.
05-09-2025 at 12:51 PM.
Quote from piyusha :
How much is Annual feee?

Zero.
Reply
Joined Dec 2009
L10: Grand Master
> bubble2 8,342 Posts
916 Reputation
Ashvins
05-09-2025 at 01:56 PM.
05-09-2025 at 01:56 PM.
I may actually bite on this deal. They finally nerfed my old grandfathered Priceline card and I was looking for an everyday driver to replace it.
Reply
Last edited by Ashvins May 11, 2025 at 07:52 PM.
Joined Apr 2008
L3: Novice
> bubble2 102 Posts
15 Reputation
Gizzle
05-10-2025 at 01:35 PM.
05-10-2025 at 01:35 PM.
Quote from Ashvins :
I may actually bite on this deal. They finally nerfed by old grandfathered Priceline card and I was looking for an everyday driver to replace it.

Just did the same thing for the same reason
Reply
Joined Oct 2006
L5: Journeyman
> bubble2 758 Posts
165 Reputation
Pickngrin
05-11-2025 at 07:20 AM.
05-11-2025 at 07:20 AM.
I just applied and am really surprised that my application was denied. I have two WF cards, and an excellent credit score (WF tracker shows FICO of 850). Thanks for sharing the deal, OP.
Reply
Joined Jul 2008
L6: Expert
> bubble2 1,828 Posts
285 Reputation
localHero
05-11-2025 at 07:29 AM.
05-11-2025 at 07:29 AM.
Quote from Pickngrin :
I just applied and am really surprised that my application was denied. I have two WF cards, and an excellent credit score (WF tracker shows FICO of 850). Thanks for sharing the deal, OP.

Did they give you a reason? They denied me the first time and I have two Wells Fargo accounts, a Wells Fargo credit card and an 800+ credit rating. The reason they gave was that I had too many credit cards already. Big Grin
I waited a month or two and reapplied and got it. Sometime after they sent me an application for their "Signify" card (business version) and I qualified for that as well even though I think I had at least two more credit cards by that point.


I would suggest you wait a little while and try again.
Reply

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Joined Oct 2006
L5: Journeyman
> bubble2 758 Posts
165 Reputation
Pickngrin
05-11-2025 at 07:49 AM.
05-11-2025 at 07:49 AM.
Quote from localHero :
Did they give you a reason? They denied me the first time and I have two Wells Fargo accounts, a Wells Fargo credit card and an 800+ credit rating. The reason they gave was that I had too many credit cards already. Big Grin
I waited a month or two and reapplied and got it. Sometime after they sent me an application for their "Signify" card (business version) and I qualified for that as well even though I think I had at least two more credit cards by that point.


I would suggest you wait a little while and try again.
Thanks. They indicated that they are going to mail me a letter with the reason for denial. I will follow your suggestion. I actually would use this card after the bonus, for the 2% cashback.
Reply
Joined Jul 2008
L6: Expert
> bubble2 1,828 Posts
285 Reputation
localHero
05-11-2025 at 07:55 AM.
05-11-2025 at 07:55 AM.
Quote from Pickngrin :
Thanks. They indicated that they are going to mail me a letter with the reason for denial. I will follow your suggestion. I actually would use this card after the bonus, for the 2% cashback.

Exactly why I got it. The signify card isn't really much different, still 2% back and no annual fee but since they were giving a $500 bonus on it I figured, why not?


Note that the Wells Fargo cards lack some features you might want on occasion. Not sure they extend warranty on purchases and I think there are some travel perks that come with other cards but not this one. (ie, rental car insurance) So I don't use it for everything .


On the other hand, if you pay your cell phone bill with the WF card, you will get a certain amount of cell phone insurance automatically.
Reply
Joined Oct 2006
L5: Journeyman
> bubble2 758 Posts
165 Reputation
Pickngrin
05-11-2025 at 11:57 AM.
05-11-2025 at 11:57 AM.
Quote from localHero :
Exactly why I got it. The signify card isn't really much different, still 2% back and no annual fee but since they were giving a $500 bonus on it I figured, why not?


Note that the Wells Fargo cards lack some features you might want on occasion. Not sure they extend warranty on purchases and I think there are some travel perks that come with other cards but not this one. (ie, rental car insurance) So I don't use it for everything .


On the other hand, if you pay your cell phone bill with the WF card, you will get a certain amount of cell phone insurance automatically.
In all the years I've had credit cards, I don't think I've ever used an extended warranty, but perhaps I have missed out. I guess I need to read up on that benefit of some cards.
Roughly how long did you wait to reapply for the WF card after being declined?
Reply
Joined Jul 2008
L6: Expert
> bubble2 1,828 Posts
285 Reputation
localHero
05-11-2025 at 09:22 PM.
05-11-2025 at 09:22 PM.
Quote from Pickngrin :
In all the years I've had credit cards, I don't think I've ever used an extended warranty, but perhaps I have missed out. I guess I need to read up on that benefit of some cards.
Roughly how long did you wait to reapply for the WF card after being declined?

I really don't remember very well but I think at least a couple of months.
Reply
Joined Jan 2022
L2: Beginner
> bubble2 30 Posts
14 Reputation
TryingToLive
05-17-2025 at 07:28 PM.
05-17-2025 at 07:28 PM.
Quote from radars :
Of course you can't. You need to find more than 2% cash back but not the same 2% cash back. Bank of American requires the Preferred Rewards member.

What is 75% for the member
Reply
Joined Mar 2013
Deal Hunter
> bubble2 401 Posts
62 Reputation
MistahMe
05-17-2025 at 08:54 PM.
05-17-2025 at 08:54 PM.
This card has become my daily driver for everything other than Amazon (sync or chase), and Food (cap1 savor). I've earned $243.25 so far in the 43d I've had it (ofc $200 of that is the bonus) so $43.25. A dollar a day, definitely not bad. Only "gripe" is that you don't get your CB credits instantly (like cap1) but ehh all good. It hurt to see my AAoA drop, and my credit score get hit (recovered for the most part already) but it was worth it!
Reply
Last edited by MistahMe May 17, 2025 at 08:57 PM.
Joined Oct 2006
L5: Journeyman
> bubble2 758 Posts
165 Reputation
Pickngrin
05-23-2025 at 01:04 PM.
05-23-2025 at 01:04 PM.
The denial letter I received indicates two factors:

-Ratio of credit bureau trades with a balance greater than zero (We look at the ratio of open and closed credit accounts that have a balance greater than zero in the last 6 months)

-Number of revolving bankcards reported by credit bureau (We look at the number of bank credit cards in your credit bureau report)
Reply

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Joined Mar 2016
L3: Novice
> bubble2 138 Posts
46 Reputation
zoshka5
05-24-2025 at 07:33 PM.
05-24-2025 at 07:33 PM.
Quote from radars :
The best card with sign up bonus as well as evergreen visa by fnbo.
WF gives cell phone damage/loss protection, as well as other cash back deals, which I've used for 5-10% back at Lyft, Fred Meyer, and other businesses. 3% foreign transaction fee for both cards isn't good, but I have a WF Autograph card that gives 3% back on travel, gas, restaurants, and streaming services and phone plans, so handy as a second card to use a single app. As with all bank credit cards, they will nag you to get WF bank accounts.
Reply
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