Learn How to Apply for a Wells Fargo Active Cash Card

What do I need to know before applying?

The Wells Fargo Active is a powerful Visa Signature credit card that offers unlimited rewards of up to 2% on all purchases and a bonus of up to $200!

Wells Fargo is one of the leading financial companies in the U.S., delivering high-quality services. The Wells Fargo Visa Signature credit card is no exception.

This is a multi-award-winning card, named the best card for simple cashback for the last 3 years by NerdWallet.

It was also chosen as the best no-annual-fee credit card in 2023 by The Ascent and as the best cashback card by Buy Side from the Wall Street Journal.

Starting with a credit limit of $1,000, the Wells Fargo card has no annual fee and offers an introductory APR for 12 months, followed by a variable APR of 20.24%, 25.24%, or 29.99%.

In terms of benefits, the card offers 2% unlimited cashback across all purchase categories. You can redeem these rewards with the following options:

• Redeem for qualified credit card purchases;
• Redeem as a credit for your checking account or mortgage;
• Redeem through ATM withdrawal in $20 increments;
• Redeem for gift cards of various amounts.
• It is also possible to redeem through purchases on PayPal.

If you want to learn more, keep reading.

Who can Apply?

First of all, you need to have a Wells Fargo account to access the credit card. So, if you are not yet a bank account holder, you will need to open one when applying for the credit card with Wells Fargo.

To access credit cards in the South African market, you must be at least 18 years old and a duly registered citizen in America, whether as a native or a foreigner with a work visa.

For Wells Fargo, having a good credit history is essential, with a FICO score ranging from good to excellent.

Additionally, you will need to present reliable income to obtain the credit card, especially for the credit limit.

The bank emphasizes that meeting some requirements does not necessarily guarantee access to the card, as it is subject to availability.

How do I Apply for the Wells Fargo Active Cash Card?

Wells Fargo offers the application process directly through its official platform, providing a link to the form on the website.

Current Wells Fargo customers can easily access the application by logging in with their username and password, using their existing information.

For new customers, the form requires details such as full name, date of birth, address, email, phone number, and social security number.

Additionally, financial information, including employment status, housing situation, income, and expenses, must be provided.

Once the information is submitted, Wells Fargo conducts a thorough review of the data and credit score to make a final decision.

Customers can also reach out to Wells Fargo by phone or other contact methods provided by the bank.

It’s important to note that all credit card applications are subject to Wells Fargo’s availability. Even if a customer meets the specified criteria, additional information may still be required.

More Details

The card offers cell phone protection of up to $600 for damage and theft. Wells Fargo Deals provides personalized offers from merchants, making it easy to earn cashback and enjoy special discounts. 

Zero liability protection ensures that you can report any unauthorized purchase. Additionally, the card includes Emergency Travel Assistance Services for cardholders, as well as roadside dispatch in case of any issues.

Finally, Credit Close-Up helps you improve your FICO score with important tips and practices to boost your score.

Want to learn another option?

The American Express Platinum Card is one of the leading credit cards globally, with a high limit and credits for hotels, Uber, and various companies in the U.S. market. 

Additionally, the Amex Membership Rewards program is highly effective for earning exclusive discounts on your next trip, and you can see how to apply now.

Written by

Gabriel Gonçalves

Writer with over 10 years of experience specializing in finance and education. Master's student in Communication and an expert in online content production.