How to Get Approved for a Credit Card: A Step-by-Step Guide
Dec 19, 2025
The Ultimate Travel Credit Card Guide
Dec 19, 2025
What is a Credit Builder Credit Card?
Dec 19, 2025
November 21, 2025
•
3 min
Disclosure: This content is not provided by the issuer. Any opinions expressed are those of BestMoney alone, and have not been reviewed, approved or otherwise endorsed by the issuer.
Wells Fargo dates back to the Gold Rush era and is headquartered in San Francisco, California. As the third largest bank in the US, it serves around 64 million customers. Among its offerings are wealth management services, checking and savings accounts, mortgages, and business banking services, as well as the Wells Fargo Active Cash® card.
The Active Cash card features a straightforward 2% cash rewards system, no annual fees, 0% intro APR, and Visa Signature® perks. The card has received many awards, including NerdWallet’s Best Credit Card for Simple Cash Back for 2022, 2023, and 2024.
The Wells Fargo Active Cash® credit card is ideal for those who want cash rewards on all purchases. With no annual fee, no rotating categories, and no limits on cash rewards, using the card is straightforward—earn 2% on every dollar spent.
It’s also a great option for anyone looking to transfer a balance since you can do so within 120 days of opening your account. You’ll enjoy 0% intro APR for the first year, allowing you to pay down your balance while earning cash rewards.
The Active Cash card has an interest rate of 18.49%, 24.49%, or 28.49% Variable APR, depending on your credit score. It also offers 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.49%, 24.49%, or 28.49% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
The Active Cash card comes with the following fees:
Pricing | Amount |
Annual fee | $0 |
Balance transfer fees | When you transfer within the first 120 days, pay $5 or 3% of each balance transfer, whichever is greater; otherwise, up to 5% or a minimum of $5 |
Cash advance fees | $10 or 5% of the advance, whichever is greater |
Foreign currency conversion fee | 3% of the transaction |
Late payment fee | Up to $40 |
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. After that, you’ll earn unlimited 2% cash rewards on all purchases. Your rewards never expire as long as your card remains active.
You can redeem your cash rewards with as little as one dollar in credit, applying it as a statement credit, for purchases and gift cards, or as cash at Wells Fargo ATMs.
Additionally, the Wells Fargo Active Cash® credit card includes up to $600 in coverage (minus a $25 deductible) for stolen or damaged cell phones when you pay your bill with the card. You'll also receive reimbursement for rental cars if they are stolen or damaged.
While traveling, your Active Cash card provides access to a 24/7 travel emergency assistance hotline and complimentary tow services for your car or rental. No membership is required; just call the hotline for help.
An additional benefit is access to My Wells Fargo Deals, which lets you activate exclusive offers at participating merchants. Review the deals online, select the ones you like, and use your card to make purchases, earning cash rewards along with discounts or bonus rewards.
As a Visa Signature® card, the Active Cash card also grants access to the Visa Signature® Concierge service, available 24/7 to assist with travel bookings, event tickets, and restaurant reservations. You can also benefit from the Visa Signature® Luxury Hotel Collection, which offers exclusive deals at participating luxury hotels worldwide.
You can apply for the Active Cash card online by filling out a form and agreeing to Wells Fargo's terms. You'll need to provide your employment status, address, cell phone number, Individual Taxpayer Identification Number (ITIN) or Social Security Number (SSN), income, citizenship status, housing status, and your mother’s maiden name (for security purposes).
You can also add an authorized user during the application or after receiving your card. Approval can be instant, although it can take five to seven business days. Once you’re approved, you can see your credit limit and start using your card for purchases right away. It can take seven to 10 days for the physical card to arrive by mail.
Wells Fargo has over 8,000 branches for in-person support and offers 24/7 phone assistance for cardholders, including a dedicated hotline for reporting fraud and a toll-free number for international calls. The Wells Fargo website features detailed FAQs and educational resources on personal finance.
Wells Fargo receives mixed online reviews for its customer service. The bank is not accredited by the Better Business Bureau (BBB) and holds an F rating on the BBB site. Positive reviews report being able to get through to customer service right away and getting personalized, helpful assistance. However, these are relatively few, and more negative reviews cite having to wait hours to reach a customer service agent.
For security reasons, Wells Fargo doesn’t reveal what type of encryption it uses with your account. However, it does state that both the mobile app and online banking use multiple layers of encryption, as well as 2-factor and biometric authentication.
Your Active Cash card comes with zero liability protection, which means that you will not be responsible for any unauthorized transactions if you report them quickly.
The Wells Fargo Active Cash® credit card is a no-annual-fee cash rewards Visa Signature® card that offers unlimited 2% cash rewards on all purchases—both online and in-person. You don’t have to worry about managing spending categories or your points expiring as long as you keep your card active.
This review was completed based on information from the following websites: Wells Fargo, Trustpilot, and Better Business Bureau.
Editorial Disclosure: This content is not provided by the issuer. Any opinions expressed are those of BestMoney alone, and have not been reviewed, approved or otherwise endorsed by the issuer.
Editorial disclosure: The credit card offers and information presented on this page are current as of the published date. However, credit card terms, including APRs, fees, and promotional offers, are subject to change without notice. Some offers listed may no longer be available or may have expired. Please refer to the issuer's website for the most up-to-date terms and conditions.
Agata Antonow writes for BestMoney.com. She is a business and education writer with many years of experience working with and contributing to the likes of business.com, Gale Business Insights, the Encyclopaedias of Emerging Industries and American Industries, and Worldmark Global Business and Economy Issues.