Looking for a simple way to earn unlimited cash back? Apply for the Wells Fargo Card for a flat 2% cash-back rate on all purchases with no annual fee.
This makes it ideal for cardholders who want consistent rewards without tracking categories.
In this article, you’ll learn how to apply, activate, and log in, explore the card’s design, services, and features for cardless ATM use, as well as benefits.
A Straightforward Rewards Card: 2% on Everything
The Wells Fargo Active Cash® Card delivers unlimited 2% cash rewards on every purchase—no rotating categories or earning limits.
It typically includes a welcome bonus, such as a $200 cash reward when you spend $500 in the first 3 months.
Additional benefits include a 0% introductory APR on purchases and qualifying balance transfers for the first 12 months.
After that, a variable APR between 19.24% and 29.24% applies, depending on creditworthiness.
Extras
This card also provides cell phone protection when you pay your monthly bill with it, along with access to Visa Signature® Concierge services.
With no annual fee, the card remains cost-effective for long-term use.
How to Apply for the Wells Fargo Card
You can apply online via the official Wells Fargo credit card page, in person at a local branch, or by phone.
The online application form is user-friendly and asks for the following five sections:
- About You: Includes your name, Social Security Number, date of birth, citizenship status, and employment details.
- Contact Information: Mailing address, phone number, and email.
- Financial Information: Total annual income, housing status (own or rent), monthly rent or mortgage payment, and primary income source.
- Card Additional Options: Here, you can request a balance transfer or add an authorized user.
- Terms and Conditions: You must agree to the disclosures and application terms before submitting.
Approval may be instant, or Wells Fargo may contact you for further verification.
If approved, your new card and Wells Fargo card design will arrive in the mail in approximately 7–10 business days.
Activating and Logging Into Your Card Account
Once you receive the card, you must activate it to begin using it. You can do this in one of three ways.
- Call the number on the sticker attached to the card.
- Sign in to your Wells Fargo Online account and activate the card there.
- Use the Wells Fargo Mobile App and follow the activation instructions.
After activation, you can log in at any time to track your purchases and reward earnings, redeem your cashback, or set up recurring payments and alerts.
Update your profile and security preferences.
Key Features for Wells Fargo Cardholders
The Wells Fargo Active Cash® Card offers multiple benefits designed for everyday use and convenience. These features include:
- Wells Fargo Card Design: The card has a sleek, modern look with contactless tap-to-pay capabilities. It’s available as a Visa® card with chip and mobile wallet support.
- Wells Fargo Card Services: Through your account dashboard, you can manage payments, track rewards, report issues, set travel notifications, and access customer support.
- Redemption Options: Cashback can be redeemed as a statement credit, direct deposit into a Wells Fargo account, or at eligible Wells Fargo ATMs in $20 increments.
- Cardless ATM Access: With the Wells Fargo mobile app, you can generate a one-time access code to use at select Wells Fargo ATMs. This allows withdrawals even if you don’t have your physical card with you.
- Platinum Wells Fargo Card Option: While Wells Fargo does not offer a product explicitly named the “Platinum Wells Fargo Card,” some customers with strong credit histories may qualify for premium cards or custom designs. Check directly with the bank for upgraded card options if applicable.
Maximizing Your Cashback
Since it pays 2% on everything, you don’t need to track categories. Use it for gas, groceries, bills, and entertainment.
Consider setting up automatic payments for subscriptions or phone service to earn cash rewards and qualify for cell phone protection.
Rewards are posted monthly and don’t expire as long as your account remains active. You can redeem anytime for account credit or at Wells Fargo ATMs if eligible.
If you have other Wells Fargo rewards products, you can combine your cashback to maximize redemptions.
Wells Fargo Contact Information
For help to apply for the Wells Fargo Card, activation, login, or account services, use the following contact details:
- General Card Services (24/7): 1‑800‑642‑4720
- Online and Mobile Banking Help: 1‑800‑956‑4442
- Rewards Redemption and Questions: 1‑877‑517‑1358
Mailing Address for Credit Card Correspondence:
Wells Fargo Bank
P.O. Box 6995
Portland, OR 97228‑6995
You may also visit your nearest Wells Fargo branch for in-person assistance with credit card services.
Flat-Rate Cashback Card Comparison
Here is how Wells Fargo compares to other leading flat-rate and category-based cashback credit cards.
| Feature / Card | Wells Fargo Active Cash® | Citi® Double Cash | Chase Freedom Unlimited® | Capital One Quicksilver® |
|---|---|---|---|---|
| Cashback Rate | 2% on all purchases | 2% (1% when you buy, 1% when you pay) | 1.5% on all purchases + bonus % in categories | 1.5% on all purchases |
| Annual Fee | $0 | $0 | $0 | $0 |
| Intro Offer | $200 after $500 in 3 months | None (occasionally offered) | $200 after $500 in 3 months | $200 after $500 in 3 months |
| Intro APR (Purchases) | 0% for 15 months | 0% for 18 months | 0% for 15 months | 0% for 15 months |
| Intro APR (Balance Transfers) | 0% for 15 months (3%–5% fee) | 0% for 18 months (3% fee) | 0% for 15 months (3%–5% fee) | 0% for 15 months (3% fee) |
| Redemption Options | Statement credit, ATM, bank deposit, gift cards | Statement credit or check | Statement credit, travel, Pay Yourself Back | Statement credit, gift cards, travel |
| Mobile App + Cardless ATM | Yes + Yes (Wells Fargo ATMs) | Yes + No | Yes + No | Yes + No |
| Other Notable Perks | Cell phone protection, Visa Signature® Concierge | Simplicity & reliability | Bonus cashback on dining, travel, drugstores | Travel accident insurance, $0 fraud liability |
| Platinum/Elite Tier Option | Not officially listed | No elite tier | No elite tier | Venture cards available separately |
| Ideal For | Flat-rate cashback and easy banking tools | Pay-in-full users who want simplicity | Hybrid cashback with category boosts | Simple flat-rate cashback with travel support |
Final Thoughts
With convenient online services and competitive features for all types of Wells Fargo cardholders, this card is one of the most user-friendly options for cashback.
Whether you’re drawn to the sleek card design or the ability to manage everything via app and website, this card offers functionality with no hassle.
Disclaimer: This article is for informational purposes only and does not constitute financial advice. Credit card terms and features, including bonuses and APRs, are subject to change. Please confirm all details directly with Wells Fargo before applying. Approval is based on creditworthiness and other eligibility criteria. Use credit responsibly.
