Wells Fargo Active Cash Card Review
Wells Fargo Active Cash Card Review : The Wells Fargo Active Cash® Card is a credit card that offers generous cashback rewards and a variety of other benefits. In this article, we’ll take a closer look at the card’s features, benefits, and fees.
Wells Fargo Active Cash Card Rewards Program
Rewards Program: The Wells Fargo Active Cash® Card offers unlimited 2% cashback rewards on purchases made with the card. This means that for every dollar spent using the card, cardholders will receive 2 cents back in cash rewards. Additionally, new cardholders can earn a $200 cash rewards bonus after spending $1,000 on purchases within the first 3 months of opening the account.
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Wells Fargo Active Cash Card Benefits
Wells Fargo Active Cash Card Benefits : In addition to its cashback rewards program, the Wells Fargo Active Cash® Card also offers a number of other benefits. These include:
- No Annual Fee: The card does not charge an annual fee, which can be a significant cost savings for cardholders who use the card frequently.
- Introductory APR: New cardholders can take advantage of an introductory APR of 0% for 15 months on purchases and balance transfers (balance transfers must be completed within the first 120 days of opening the account). After the introductory period, the APR will be 14.99%-24.99% variable.
- Cell Phone Protection: When cardholders use their Wells Fargo Active Cash® Card to pay their monthly cell phone bill, they are eligible for up to $600 in protection against covered damage or theft of their cell phone (subject to a $25 deductible).
- Travel Benefits: The card offers a variety of travel benefits, including travel accident insurance, emergency travel assistance, and auto rental collision damage waiver.
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Fees: While the Wells Fargo Active Cash® Card does not charge an annual fee, there are other fees that cardholders should be aware of. These include:
- Balance Transfer Fee: If a cardholder decides to transfer a balance from another credit card to their Wells Fargo Active Cash® Card, they will be charged a fee of either $5 or 3% of the amount of each transfer, whichever is greater.
- Cash Advance Fee: If a cardholder uses their Wells Fargo Active Cash® Card to get cash from an ATM or through a cash advance transaction, they will be charged a fee of either $10 or 5% of the amount of each advance, whichever is greater.
- Foreign Transaction Fee: When a cardholder uses their Wells Fargo Active Cash® Card to make purchases outside of the United States, they will be charged a fee of 3% of the U.S. dollar amount of each transaction.
Conclusion: The Wells Fargo Active Cash® Card is a great option for anyone looking for a credit card that offers generous cashback rewards and a variety of other benefits. With its unlimited 2% cashback rewards program and no annual fee, the card can help cardholders save money on their purchases. Additionally, its travel benefits and cell phone protection can provide valuable peace of mind for cardholders on the go. However, cardholders should be aware of the card’s fees, including the balance transfer fee, cash advance fee, and foreign transaction fee, in order to make informed decisions about how to use the card.
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Wells Fargo Active Cash Card Review
Overall, the Wells Fargo Active Cash® Card is a solid choice for anyone in the market for a credit card that offers cashback rewards and a variety of other benefits. The 2% cashback rewards program is generous and unlimited, meaning that cardholders can earn cash rewards on all their purchases without any limits or restrictions. Plus, the card’s lack of an annual fee makes it an affordable option for frequent use.
The card’s introductory APR on purchases and balance transfers is also a great feature, allowing new cardholders to make purchases or transfer balances without accruing any interest for the first 15 months. However, it’s important to note that the balance transfer fee and cash advance fee can add up quickly, so it’s best to avoid these transactions unless absolutely necessary.
Finally, the Wells Fargo Active Cash® Card’s travel benefits and cell phone protection add an extra layer of convenience and peace of mind for cardholders on the go. With travel accident insurance, emergency travel assistance, and auto rental collision damage waiver, cardholders can feel more secure when traveling. And with up to $600 in cell phone protection against covered damage or theft, cardholders can also protect their expensive mobile devices.
In summary, the Wells Fargo Active Cash® Card is a great credit card option for anyone looking to earn cashback rewards on their purchases and take advantage of a variety of other benefits. With its 2% cashback rewards program, lack of an annual fee, and additional perks like travel benefits and cell phone protection, the card is a solid choice for anyone who wants to make the most of their credit card spending.
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