How to Apply for the Wells Fargo Active Cash® Credit Card

How to Apply for the Wells Fargo Active Cash® Credit Card

The Wells Fargo Active Cash® Credit Card is an excellent choice for those looking to maximize their cash back rewards with no annual fee. If you’re ready to take advantage of the unlimited 2% cash rewards on all purchases and other great benefits, here’s a step-by-step guide on how to apply for this card.

1. Check Your Eligibility

Before applying, it’s important to make sure you meet the eligibility criteria for the Wells Fargo Active Cash® Credit Card. Generally, you will need:

– A good to excellent credit score (typically a FICO score of 670 or higher).

– A steady income that demonstrates your ability to repay the credit.

– U.S. residency, as Wells Fargo typically requires applicants to have a U.S. address.

2. Gather Your Information

When applying for the card, you will need to provide some personal and financial information. Make sure you have the following details ready:

– Full name and date of birth

– Social Security number or Individual Taxpayer Identification Number (ITIN)

– Employment information, including your current job and income

– Housing information, such as whether you rent or own, and your monthly housing payment

– Contact information, including your U.S. address, phone number, and email

3. Choose Your Application Method

Wells Fargo offers several convenient ways to apply for the Active Cash® Credit Card. You can apply:

– **Online**: The quickest and easiest way to apply is through the Wells Fargo website. Visit their credit cards section, find the Active Cash® Card, and click "Apply Now."

– **By Phone**: If you prefer to apply over the phone, you can call Wells Fargo’s credit card application line at the number provided on their website.

– **In Person**: Visit a Wells Fargo branch to apply in person. A bank representative can help you with the application process and answer any questions you may have.

4. Complete the Application

Once you’ve chosen your application method, fill out the required fields with your personal and financial information. Be sure to review your details carefully before submitting the application to avoid any errors that could delay the process.

5. Submit and Wait for Approval

After submitting your application, Wells Fargo will review your information and perform a credit check. This process typically takes just a few minutes if you apply online, but in some cases, it may take longer. You may receive an instant decision, or Wells Fargo may contact you for additional information.

If your application is approved, you will receive your new Wells Fargo Active Cash® Credit Card in the mail within 7-10 business days.

6. Activate Your Card

Once your card arrives, follow the instructions included in the package to activate it. Activation can typically be done online, over the phone, or through the Wells Fargo mobile app. Once activated, you can start using your card to make purchases and earn cash rewards immediately.

7. Set Up Your Online Account

To manage your Wells Fargo Active Cash® Credit Card effectively, it’s a good idea to set up an online account. This allows you to:

– View your balance and transactions

– Make payments

– Redeem rewards

– Set up alerts and notifications

You can also download the Wells Fargo mobile app to manage your account on the go.

8. Understand Your Card’s Benefits and Terms

Before you start using your Wells Fargo Active Cash® Credit Card, take some time to familiarize yourself with the card’s benefits and terms. Key features include:

– **Unlimited 2% Cash Rewards**: Earn cash back on every purchase without worrying about categories or caps.

– **$200 Sign-Up Bonus**: Earn this bonus after spending $500 in purchases in the first 3 months.

– **0% Intro APR**: Enjoy 0% APR on purchases and qualifying balance transfers for the first 15 months. After that, a variable APR will apply.

– **No Annual Fee**: This card comes with no annual fee, making it a cost-effective choice.

Additionally, your card comes with various protections and benefits, such as cell phone protection, travel assistance services, and auto rental collision damage waiver. Make sure you understand how to use these features to get the most out of your card.

9. Start Earning Rewards

Now that your card is activated and your account is set up, you can start using your Wells Fargo Active Cash® Credit Card to make purchases and earn rewards. Remember to pay your bill on time each month to avoid interest charges and keep your credit in good standing.

10. Monitor Your Account

Regularly monitor your account for any unusual activity and stay on top of your spending. Wells Fargo offers alerts and notifications to help you keep track of your balance, due dates, and more. Use these tools to manage your card responsibly and maximize your rewards.

Final Thoughts

Applying for the Wells Fargo Active Cash® Credit Card is a straightforward process, and once approved, you can start enjoying the numerous benefits this card has to offer. Whether you’re looking to earn cash back on everyday purchases or take advantage of the 0% intro APR, the Wells Fargo Active Cash® Credit Card is a valuable tool for managing your finances and earning rewards.

If you’re ready to apply, visit the Wells Fargo website or head to your nearest branch today.