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

Earn A $200 Cash Rewards Bonus
+274 Deal Score
656,180 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
656,180 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 Jul 2012
L3: Novice
> bubble2 258 Posts
34 Reputation
penguins227
05-25-2025 at 01:19 PM.
05-25-2025 at 01:19 PM.
Quote from MistahMe :
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!

Looking into the Cap1 Savor option. Seems like you have a good setup. I plan on doing similarly.
Reply
Joined Aug 2018
L2: Beginner
> bubble2 92 Posts
22 Reputation
GreyTent1404
05-25-2025 at 05:47 PM.
05-25-2025 at 05:47 PM.
Question - If my wife and I share a checking account at WF, can each of us get one of these cards? Or is it limited to one for each account you already have at WF? I looked in the T&C and didn't see a yes or no on this.
Reply
Joined Aug 2004
...
> bubble2 9,758 Posts
5,106 Reputation
JaTaN
05-25-2025 at 06:37 PM.
05-25-2025 at 06:37 PM.
Quote from GreyTent1404 :
Question - If my wife and I share a checking account at WF, can each of us get one of these cards? Or is it limited to one for each account you already have at WF? I looked in the T&C and didn't see a yes or no on this.
Having a checking account or being a WF customer doesn't matter when getting a WF credit card -- anyone can apply

You can apply for your own card and your wife can apply for her own card separately so you each get the bonus
Reply
Joined Mar 2013
Deal Hunter
> bubble2 401 Posts
62 Reputation
MistahMe
05-26-2025 at 08:38 PM.
05-26-2025 at 08:38 PM.
Quote from penguins227 :
Looking into the Cap1 Savor option. Seems like you have a good setup. I plan on doing similarly.
I got offered a product change from one of my QuickSilvers to a Savor1 and it a fantastic decision.The best part about it (for me) is not only does it cover food (outside of big box like WM/Sams) but it also does "Entertainment" which includes your cable/internet bill. That alone was worth it, 3% back on my Internet a year is fantastic. Sure it's not "I'm going to retire money" but every bit helps.
Reply
Joined Nov 2008
L5: Journeyman
> bubble2 690 Posts
53 Reputation
thelostkin
05-27-2025 at 09:32 AM.
05-27-2025 at 09:32 AM.
Applied twice for this and declined both times. What a joke. Any other credit card I apply for I get instantly approved but not this.
Reply
Joined Jul 2013
L1: Learner
> bubble2 22 Posts
10 Reputation
NeilR1449
05-27-2025 at 06:27 PM.
05-27-2025 at 06:27 PM.
Quote from UniqueFog1602 :
Was declined for too many cards with $0 revolving credit on them lol. Credit score > 815. I guess they only accept people they think they can sucker into paying high interest. Going back to BoA for a new card.

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.

Canceling cards will only hurt your credit score.
Reply
Joined Mar 2021
L3: Novice
> bubble2 146 Posts
22 Reputation
UniqueFog1602
05-28-2025 at 07:01 AM.
05-28-2025 at 07:01 AM.
Quote from NeilR1449 :
Canceling cards will only hurt your credit score.
Mate, I've been churning credit cards for a decade. I know the game. You keep your oldest feeless credit cards with local banks forever (Chase Freedom, BoA, etc) and you rotate annual fee credit cards for rewards (essentially accepting negative 10 to 14 points until you decide to stop). Think I care about 10-14 points off 830-840 score? Every year the new cards have less effect because: 1) average account life increases (oldest cards +1 year vs new cards static between 0-1 years), 2) increase in salary = increase in credit limit = decrease in credit utilization. Cancelled cards have no effect because their credit limits are replaced by new cards.

Wells Fargo is just a shite company IMO. It's funny they reject so many people after creating millions of fake customers years ago.
Reply

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Joined Feb 2024
L2: Beginner
> bubble2 37 Posts
13 Reputation
MarkCalun
06-01-2025 at 12:35 AM.
06-01-2025 at 12:35 AM.
Quote from UniqueFog1602 :
Mate, I've been churning credit cards for a decade. I know the game. You keep your oldest feeless credit cards with local banks forever (Chase Freedom, BoA, etc) and you rotate annual fee credit cards for rewards (essentially accepting negative 10 to 14 points until you decide to stop). Think I care about 10-14 points off 830-840 score? Every year the new cards have less effect because: 1) average account life increases (oldest cards +1 year vs new cards static between 0-1 years), 2) increase in salary = increase in credit limit = decrease in credit utilization. Cancelled cards have no effect because their credit limits are replaced by new cards.

Wells Fargo is just a shite company IMO. It's funny they reject so many people after creating millions of fake customers years ago.

What is the logical business reason for rejecting customers?

To prevent slickers from getting the rewards, and then cancelling the cards?

They can only use that 4% transaction fee income to make back the promo money?
Reply
Joined Feb 2024
L2: Beginner
> bubble2 37 Posts
13 Reputation
MarkCalun
06-01-2025 at 12:45 AM.
06-01-2025 at 12:45 AM.
Quote from zoshka5 :
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.

How is the claims process on Wells Fargo?

I saw that third party Assurant manages it just like Assurion with Chase.

The third party claims process is not as simple as Amex in app. You have to download and fill a bunch of pdf paperwork and provide all documentation and pre purchase a replacement with recept documentation to claim.
Reply
Joined Jul 2008
L6: Expert
> bubble2 1,828 Posts
285 Reputation
localHero
06-01-2025 at 06:59 AM.
06-01-2025 at 06:59 AM.
Quote from MarkCalun :
How is the claims process on Wells Fargo?

I saw that third party Assurant manages it just like Assurion with Chase.

The third party claims process is not as simple as Amex in app. You have to download and fill a bunch of pdf paperwork and provide all documentation and pre purchase a replacement with recept documentation to claim.

I've used the insurance once and it wasn't bad. It was an older phone (Samsung S10) that didn't work properly after I shattered the back. Phone repair place gave me a $225 invoice/estimate to fix it (replace motherboard I think) and they credited me that amount minus the $25 deductible. There wasn't a lot of hoops to jump through as I remember.


I just used the $200 towards an S23 which is now insured by the same WF card.
Reply
Joined Mar 2021
L3: Novice
> bubble2 146 Posts
22 Reputation
UniqueFog1602
06-01-2025 at 06:54 PM.
06-01-2025 at 06:54 PM.
Quote from MarkCalun :
What is the logical business reason for rejecting customers?

To prevent slickers from getting the rewards, and then cancelling the cards?

They can only use that 4% transaction fee income to make back the promo money?
Would have to ask them - I don't know their business processes. I don't think their processes are better than Chase/Citi/Amex for screening customers. I think their systems and processes are just shite.
Reply
Joined Mar 2023
New User
> bubble2 8 Posts
10 Reputation
muckduck77
06-02-2025 at 05:37 PM.
06-02-2025 at 05:37 PM.
I have this card, I've enjoyed it.
Reply
Joined Mar 2004
L10: Grand Master
> bubble2 8,755 Posts
838 Reputation
carbonfiber
06-09-2025 at 10:49 AM.
06-09-2025 at 10:49 AM.
Quote from UniqueFog1602 :
Mate, I've been churning credit cards for a decade. I know the game. You keep your oldest feeless credit cards with local banks forever (Chase Freedom, BoA, etc) and you rotate annual fee credit cards for rewards (essentially accepting negative 10 to 14 points until you decide to stop). Think I care about 10-14 points off 830-840 score? Every year the new cards have less effect because: 1) average account life increases (oldest cards +1 year vs new cards static between 0-1 years), 2) increase in salary = increase in credit limit = decrease in credit utilization. Cancelled cards have no effect because their credit limits are replaced by new cards.

Wells Fargo is just a shite company IMO. It's funny they reject so many people after creating millions of fake customers years ago.

totally agree with you Wells Fargo is a shite bank, I've been with them for over 20 years, and got this card when it first came out a few years ago, I charge 95% of my transactions with this card which is easily close to 20K a year, but when it comes to fraudulent charges they said they won't do anything for me outside of 120 days.
back in the days when I had my Amex with Costco, they don't F around they just reverse transactions if I asked.
for those who is gonna use this just be aware of their customer service is one of the worst in the industry, see this recent news I saw on TV
https://abc7news.com/post/5-tip-a.../16646006/
after I saw this BS plus how I was treated, I'll be looking for another 2% no fee credit card
Reply
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