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Wells Fargo Active Cash®
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Score Needed: Good to Excellent
Wells Fargo Active Cash®
At a glance
Welcome Offer

Earn a $200 cash rewards bonus when you spend $500 in purchases in the first 3 months.

Limited Time Offer
New Offer
All time high
Rewards
No items found.
2X
Points on other purchases
Intro APR
N/A
Balance Transfer Intro
N/A
Regular APR
Annual Fee
$0
Wells Fargo Active Cash®
Application Tips
Get the best results with each application
Thinking About 2 Cards? You might not qualify for a 2nd Wells Fargo credit card if you have opened a Wells Fargo card in the last 6 months

Reconsideration up to 60 days. Usually, Wells Fargo Bank will only do a hard credit pull if there has been a change in a negative mark on your report.

Limit Increase
Credit Inquires
No items found at this time
Experian or Equifax - In some states they pull both Experian and Equifax.
Application Inquires Some data points suggest that credit inquiries for same-day applications will be combined, but some data points suggest that credit inquiries for same-day applications will not be combined
Welcome Offer Eligibility:
Downgrade Options
Getting your card
Rescore your report: Wells Fargo does not offer off-cycle reporting.

When applying for a new credit card, keep your balances below 10% of your limit on each existing card. Pay down balances and wait for each card's closing date, avoiding new charges. Some banks let you update balances anytime by phone, and Chase will automatically report a $0 balance after payment.

Card Benefits
Card holder benefits
As a card member, you have access to a wide range of benefits that come included with your membership. Take a look.
Reward Terms
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Hotel Collection

Luxury Hotel Collection

The Active Cash Card offers you a premium collection of benefits at a selection of the world’s most intriguing and prestigious properties. Benefits include room upgrade, late check-out and complimentary breakfast. Visit Visa Signature Hotel Collection7 and learn more.

Cell Phone Protection

Cellular Telephone Protection

Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

Miscellaneous Benefits

24/7 Concierge service

Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature Concierge.

Rewards redemption
Redeem your spending bonus
How to Redeem your valuable credits
Cash Redemption
Travel Redemption
Transfer your to any of the following Wells Fargo Travel Partners.
Points Transfer Partners
Ratio
Transfer Partner
Transfer Time
Ends
Type
No transfer partners found
Fees
Fees you may encounter as a cardmember
See Rates and Fees
Balance transfer Intro Offer
N/A
Balance transfer Fee
Balance transfer Terms
Foreign Transactions
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Considerations

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Upgrade Your Wallet!
Wells Fargo Active Cash® Click learn more to see if you qualify
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More questions? More answers.

What's the difference between a credit freeze and a credit lock on Experian?
There is no actual difference. By law, a freeze needs to be offered for free. Experian wants to charge you so they offer a freeze for free but for a lock they want you to pay a membership. They both do the same thing
Is it possible to reallocate my credit limit from a personal Chase card to a business card?
No, you can only transfer credit limits from personal to personal or from business to business within Chase.
Does obtaining a credit limit increase from Chase involve a credit check?
No, Chase does not pull credit for a credit limit increase.
Additional resources
Travel & Shopping
Top 9 Cards for Online Shopping
links to article
Financial Planning
Why Every Business Should Have a Line of Credit
links to article
Financial Planning
Unsecured Line Of Credit. What It Is And How To Get One
links to article
Travel & Shopping
The 9 Best Cards for Online Shopping
links to article