How to Get the Wells Fargo Active Cash Card in – Full Guide & No Charges
The Wells Fargo Active Cash® Card is one of the best no-annual-fee credit cards in the USA (2025) offering unlimited 2% cash rewards on all purchases – no categories, no limits.
✅ Key Benefits of Wells Fargo Active Cash Card
| Feature | Details |
|---|---|
| 💵 2% Unlimited Cash Rewards | On every purchase, with no categories or restrictions |
| 🧾 No Annual Fee | Completely free to keep and use |
| 🎁 Intro Offer | Earn $200 cash rewards bonus after spending $500 in the first 3 months |
| 🪙 0% Intro APR | 0% interest for 15 months on purchases and balance transfers |
| 💰 Cash Redemption | Redeem rewards for statement credit, gift cards, or direct deposit |
| 🛡️ Cell Phone Protection | Up to $600 against theft or damage (when paying with the card) |
| 💳 Visa Signature Benefits | Travel and purchase protections, concierge service, etc. |
| 📱 Digital Wallet Support | Works with Apple Pay, Google Pay, Samsung Pay |
📋 Eligibility Criteria
| Requirement | Description |
|---|---|
| 📊 Credit Score | Recommended: 690+ (Good to Excellent) |
| 👤 Age | 18+ years (U.S. citizen or legal resident) |
| 💼 Income Proof | Monthly or annual income required |
| 🧾 SSN/ITIN | Required to apply |
| 📍 U.S. Address | Valid U.S. residential address needed |
📑 Documents Required
Valid Social Security Number (SSN) or ITIN
Government-issued ID (Driver’s License or Passport)
Proof of income (pay stubs or bank statements)
Valid U.S. residential mailing address
📝 Step-by-Step Application Process
🔹 Step 1: Go to Official Website
👉 Visit: https://www.wellsfargo.com/credit-cards/active-cash/
🔹 Step 2: Click on “Apply Now”
🔹 Step 3: Fill Personal Information
Name, SSN, address, income, employment details
🔹 Step 4: Submit & Wait
Most users get instant approval
If not, you’ll be notified by email/mail
🔹 Step 5: Receive Card
Card is mailed in 5–10 business days
💡 Tips to Maximize This Card
💰 Use it for all purchases to earn 2% back every time
✅ Set up autopay to avoid interest and late fees
📲 Link to your Wells Fargo app for easy rewards tracking
🔄 Use during 0% APR period for big purchases (up to 15 months interest-free)
❓ FAQs – Wells Fargo Active Cash Card 2025
Q1. Is there any hidden fee?
❌ No. The card has no annual fee, and there are no category restrictions.
Q2. Can I get it with average credit?
🔸 Approval usually requires good to excellent credit (690+).
Q3. Are there foreign transaction fees?
✅ Yes, a 3% fee applies on international transactions.
Q4. How do I redeem rewards?
You can redeem via the Wells Fargo app or website for:
Statement credit
Direct deposit
Gift cards