Wells Fargo Active Cash credit card rewards offer an outstanding 2% cash back on all purchases; however, be mindful that it comes with a 3% foreign transaction fee.
Its straightforward rewards structure, no annual fee and compelling 0% APR offer make this card an appealing option for both newcomers and experienced credit card users alike.
It’s a flat-rate cash-back card
Wells Fargo Active Cash card is ideal for consumers seeking flat-rate cash back on all purchases. With a competitive rewards rate and generous sign-up bonus as well as no annual fee, this card makes credit card spending simpler. Furthermore, if you already own another card that earns enhanced rates in certain categories then Wells Fargo Active Cash may serve as a secondary card that maximizes rewards even further.
This card also offers an attractive 0% introductory APR on balance transfers for 15 months – an effective way to pay down debt quickly and reduce interest. However, keep in mind that after this period has concluded, your APR could become variable; to take full advantage of it it should be done within 120 days in order to qualify for the reduced interest rate.
Wells Fargo Active Cash card may be an attractive choice for consumers seeking cash back rewards on all their purchases, yet may not suit everyone. This card does not offer features commonly associated with premium cards like travel and emergency assistance services as well as having no foreign transaction fee – both factors that may prove beneficial for some consumers.
Are You Thinking about Applying for the Wells Fargo Active Cash Card? First consider your spending habits to determine if this card fits. Designed for ease, this card provides a flat 2% cash back return across all purchases without needing to register quarterly perks or manage variable rewards rates; plus it has no annual fee – potentially saving money down the line!
This card provides you with a welcome bonus of $200 after spending $500 within three months of opening an account, and allows you to redeem rewards as cash, gift cards (in $25 increments), PayPal balance credits or PayPal balance credits. Your rewards may also be applied towards charitable donations or merchandise through Wells Fargo online catalog.
It’s a balance transfer card
If you want a card that offers consistent cash back rates, the Wells Fargo Active Cash card may be ideal. There’s no annual fee and a generous $200 cash rewards bonus after spending $500 in three months – making this welcome offer more lucrative than many cards with annual fees or travel rewards credit cards!
Before applying, take some time to consider your personal spending habits and the Wells Fargo Active Cash’s place within your overall rewards strategy. Although its 2% flat cash back on all purchases is an impressive return rate, if your spending tends to favor specific categories like groceries or gas it may not provide enough value – in this instance, consider looking at cards offering higher rewards rates in those categories instead.
Redeem your cash rewards for statement credits, deposits into your checking account or through ATM withdrawal. Plus, the card offers other valuable perks, like cell phone protection and credit close-up – giving free access to FICO scores and tracking tools – but these benefits won’t apply when carrying a balance.
Finally, it’s wise to consider the value of additional perks and benefits such as airport lounge access and travel insurance. While these features aren’t essential to meeting your credit card needs, they can enhance the experience of using it and increase rewards values.
Once you receive your card, you can set up automatic payments online or by calling the number on its back. In addition, it is essential that merchants who charge your account, such as health clubs and utilities, update their contact details so your payments post smoothly – this can be accomplished through Wells Fargo Online(r)’s Transfer & Pay WF Accounts option.
It’s a travel card
If you prefer simplicity when it comes to credit card rewards, Wells Fargo Active Cash may be an ideal solution. Offering generous welcome bonuses and competitive 0% APR offers as well as cell phone protection and Visa Signature privileges at certain hotels without an annual fee, the Wells Fargo Active Cash stands out among its peers. Before applying for this or any credit card however, make sure it fits with your personal needs first.
Consider your spending habits and long-term credit card rewards goals when selecting the Wells Fargo Active Cash card as the right fit. With its unlimited 2% cash back offer on all qualifying purchases, it makes this card ideal for people looking for one card for all non-category spending; however, its limited earning opportunities do not lend themselves well for categories such as dining or rideshare services that provide higher earnings potential.
Another key consideration should be your attitude toward card fees. While Wells Fargo Active Cash doesn’t charge an annual fee, it doesn’t provide premium travel or consumer benefits such as trip cancellation insurance and extended warranty protection for cardholders who may require these features. In such instances, other cards with annual fees but more lucrative rewards rates could provide better value.
Wells Fargo Active Cash goes above and beyond its standard 2% cash back rate by offering several valuable perks, such as a $200 welcome bonus and 15 months with zero APR on balance transfers. In addition, cell phone protection covers up to $600 per claim (minus a $25 deductible).
Other useful features of the card include the ability to redeem rewards as statement credits at checkout and make payments at millions of online stores using PayPal. Cardholders can also use Pay with Rewards feature at participating retailers and get up to 50% discount off select items – yet the card doesn’t earn cash back for balance transfers, cash equivalents lottery tickets or casino chips; rather it rewards purchases such as travel, dining and entertainment expenses.
It’s a rewards card
Wells Fargo Active Cash credit card provides users with a simple rewards solution by offering flat 2% cash back on purchases, making it an excellent choice for people who prefer simplicity in their rewards cards. While other cards with higher rate categories or quarterly activation can be more complex to track, this card allows users to earn consistent rewards rates without worrying about category limits or bonus categories.
This card also offers an introductory APR of 0% on balance transfers, making this ideal for individuals looking to consolidate debt quickly. However, be mindful that this period ends after 15 months and that its APR will increase thereafter; so if you plan to transfer any balance, be sure to settle it prior to this deadline!
Not only does this card offer a 2% cash-back rate, but also features such as cell phone protection which covers up to $600 should your phone become lost or stolen; additionally it has no annual fee which makes this an appealing credit card choice for many people looking to lower costs associated with credit card ownership.
Comparable with some rewards credit cards, the Wells Fargo Active Cash may not provide as much value for certain types of spending. It lacks premium perks such as travel insurance or extended warranty protection and does not come with an airport lounge membership membership if these amenities are important to you; in such a case it would be worthwhile considering applying for one that provides them.
Prior to choosing the Wells Fargo Active Cash card, it’s essential to assess your spending habits and goals. With its flat 2% earnings rate, cell phone protection features and $0 fraud liability liability policy, this card makes for an ideal single rewards card without an annual fee; making it especially appealing for new cardholders due to not requiring strict credit requirements like other rewards cards do.