Wells Fargo Active Cash credit card review: Full details

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Wells Fargo Active Cash® Card introduction

The no-annual-fee Wells Fargo Active Cash® Card (see prices and charges) supplies a strong 2% cash-back on acquisitions and an attractive welcome deal. And without yearly charge and a handful of various other rewards, maybe an excellent alternative for those that desire a satisfying yet basic card in their pocketbooks. Card Rating*: ⭐⭐⭐½

*Card Rating is based upon the point of view of TPG’s editors and is not affected by the card company.

Credit card incentives can usually be made complex with limited-time deals, transfer companions and high yearly charges. The Wells Fargo Active Cash card takes a basic strategy by providing limitless 2% cash incentives on acquisitions. It does not bring a yearly charge or have any type of benefit classifications to bear in mind.

It’s additionally a Visa Signature® card, which has lots of rewards and advantages usually seen on even more costs cards. You’ll desire a credit rating of 670 or greater for the very best opportunity at authorization.

Here’s whatever you require to learn about the Wells Fargo Active Cash card.

Active Cash welcome deal

The Wells Fargo Active Cash card is presently providing a $200 cash incentives benefit when you invest $500 in acquisitions in the initial 3 months of account opening.

THE FACTORS INDIVIDUAL

This does not compare the worth you’ll obtain with among the leading traveling incentives cards on the marketplace, yet it’s beautiful requirement for a cash-back card without yearly charge.

Active Cash advantages

Some of the a lot more significant rewards on the Active Cash consist of mobile phone security and no responsibility security. When you pay your month-to-month phone costs with the Active Cash card, Wells Fargo will certainly cover to $600, based on a $25 insurance deductible (as much as two times each year) for damages or burglary.

PORNCHAI JAITO/ EYEEM/GETTY PICTURES

Meanwhile, with no responsibility security, if an unapproved acquisition is made on your credit card, the task will certainly be immediately reported, and you will certainly not be called to account.

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The Wells Fargo Active Cash is additionally a Visa Signature® card and comes furnished with advantages such as 24/7 attendant solution and accessibility to Visa’s Luxury Hotel Collection.

These are some strong advantages for a card without yearly charge.

Earning incentives on the Active Cash

The Wells Fargo Active Cash card is a fantastic method to make a conventional price of return on acquisitions. With it, you’ll make 2% in the type of cash incentives on acquisitions — consisting of traveling, rideshare solutions, eating and even more. Cash incentives will certainly not run out as long as the account stays open.

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There are no benefit classifications, so all certifying acquisitions will certainly make the very same cash-back incentives. However, cardholders do not make cash incentives on equilibrium transfers, cash matchings (like present cards and cash orders), lotto game tickets or casino site chips.

Redeeming incentives on the Active Cash

The cash incentives you make with the Active Cash card can be retrieved as declaration debts to cover acquisitions beginning at $1. However, you have to have adequate incentives in your account to cover the whole purchase. In various other words, the $200 in incentives you make as component of the welcome deal can not be utilized for a declaration credit on a $300 acquisition.

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Cash incentives can additionally be retrieved for a down payment to your Wells Fargo examining account or as a repayment towards the principal on a Wells Fargo home mortgage. Other redemption choices consist of cash from a Wells Fargo ATM MACHINE in $20 increments (just readily available with a Wells Fargo debit card) and present cards in $25 increments.

While this card does not use as lots of redemption choices as a few of our favored traveling incentives cards, the simpleness has its very own allure. TPG credit cards author Emily Thompson likes the flexibility of cash-back incentives to cover anything from traveling expenditures to an unanticipated home repair work.

Which cards take on the Active Cash?

The cash incentives credit card globe is full of no-annual-fee cards, yet just a couple of can contrast to the Active Cash.

For extra choices, have a look at our full listing of the very best cash-back credit cards.

Related: Flat-price vs. bonus-category cash-back credit cards

Is the Active Cash worth it?

The absence of a yearly charge makes the Wells Fargo Active Cash card interesting all kinds of credit card customers, yet it’s a specifically excellent alternative for newbies. However, the card does have a 3% international money conversion charge, so cardholders that on a regular basis take a trip or invest globally ought to reassess and go with a card without international purchase charges.

Bottom line

The Wells Fargo Active Cash card is a fantastic cash-back incentives card for individuals searching for a basic incentives framework. Some a lot more knowledgeable credit card customers might feel it is missing out on the capability to make the most of gaining prospective. However, if you remain in the marketplace for a no-frills cash incentives card without yearly charge, the Wells Fargo Active Cash card can be the best enhancement to your pocketbook.


Apply below: Wells Fargo Active Cash Card


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