Wells Fargo Active Cash Card – Full Details
The previous page covered why Wells Fargo Active Cash pairs a strong flat rate with a real intro APR window. This page covers eligibility, applying, and Wells Fargo’s support channels.
Additional benefits
Cell phone protection
Paying the monthly cell phone bill with this card can activate coverage against damage or theft, subject to the terms in Wells Fargo’s official benefits guide.
Combined purchase and balance transfer intro APR
Unlike cards that only offer 0% on one or the other, Active Cash extends the 12-month intro period to both new purchases and qualifying balance transfers.
Eligibility requirements
Applicants generally need good credit or better to be approved for this card.
We recommend confirming current eligibility guidance directly on Wells Fargo’s official page.
Required documentation
- Government-issued identification
- Social Security number or taxpayer identification number
- Proof of income or employment information
- Current residential address
How to apply
Step by step
- 1. Visit Wells Fargo’s official page for the Active Cash Card.
- 2. Complete the online application with personal and financial details.
- 3. Submit identification information as requested.
- 4. Wait for a decision, which may be immediate or require further review.
- 5. Activate the card and consider setting up the cell phone bill autopay for that benefit.
Official contact
For account or application questions, use Wells Fargo’s official credit card support lines.
Support channels
- Wells Fargo credit card services: (800) 642-4720 (24/7)
- General Wells Fargo customer service: 1-800-869-3557
- Rewards redemption support: (877) 517-1358
Other common questions
Does a balance transfer during the intro period still incur a fee?
Yes, the 0% intro APR on balance transfers does not waive the transfer fee, which is 3% for the first 120 days and up to 5% (minimum $5) after.
What happens to the rate after the intro period ends?
The account moves to the ongoing variable APR, 18.49%, 24.49%, or 28.49%, based on the rate assigned at approval.
Is cash back capped?
No, the 2% flat rate applies without a stated cap on regular purchases.
Is Active Cash good in practice?
Day to day, its main strength is not needing to think about categories at all, paired with a genuinely useful intro financing window. The foreign transaction fee is the one detail that matters for anyone spending abroad.
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