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Wells Fargo Credit Card Interest Rate
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Powerful benefits including mobile phone protection, signature visa benefits and 0% introductory APR on purchases and eligible balance transfers for 15 months from account opening (then 19.24%, 24.24% or 29.24% variable APR)
If you opened a Wells Fargo card within the last 15 months, you may not be eligible for a bonus or APR offer.
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The Wells Fargo Active Cash® Card is definitely worth considering if you want to earn permanent cash rewards with no annual fee. It has a solid welcome bonus and a 0% introductory APR offer, along with a handful of perks that can save you money.
There's a lot to like about the Wells Fargo Active Cash® Card, and that's especially true if you're looking for a card that offers high rewards without rotating categories or earning limits. The Wells Fargo Active Cash® Card regularly earns 2% rewards on every dollar you spend, with no hoops required.
This card also has no annual fee, and new cardholders receive 0% on purchases and eligible balance transfers for 15 months from account opening, followed by a variable APR of 19.24%, 24.24% or 29.24%.
The Wells Fargo Active Cash® Card starts you off with a $200 cash back bonus after you spend $1,000 on purchases in the first three months of account opening, making it more rewarding than its closest cash back competitor, the Citi®Double Cash Card. Most people know the Citi®Double Cash Card as another big bonus card that offers 2% back on purchases, but it has some big differences.
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With the Citi®Double Cash Card, you actually earn 2% back, but your rewards are split into two parts – 1 point per dollar on purchases (1% back) and another point per dollar (1% back). ) when you pay. The Citi®Double Cash Card has a 0% introductory APR that applies only to balance transfers, not purchases (0% introductory APR for 18 months on balance transfers made within 4 months of account opening, then 18.24% - 28, 24% variable).
If you choose the Wells Fargo Active Cash® Card instead, you'll get the chance to earn a welcome bonus and 2% rewards on every dollar you spend, and the card comes with benefits like cell phone protection and Visa Signature Concierge to boot.
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Earn 5% cash back on everyday purchases every quarter at various locations (such as Amazon.com, grocery stores, restaurants and gas stations) up to the quarterly maximum activation. Automatically earn 1% cash back on all other purchases.
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Earn 2% on every purchase, get 1% unlimited cashback when you buy, plus another 1% when you pay for those purchases.
Each activated quarter, you'll earn 5% cash back up to $1,500 on combined purchases in bonus categories. 5% cash back on travel purchased through Chase Ultimate Rewards®. 3% cash back on pharmacy purchases and restaurant dining, including eligible takeaway and delivery services, and 1% unlimited cash back on all other purchases.
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Here, we'll focus on the perks and benefits of each card. These cards aren't worth it if you pay interest or late fees. When using a credit card, it's important to pay the balance in full each month, pay on time, and only spend what you can afford.
The Wells Fargo Active Cash® Card offers 2% cash back on purchases with no reward categories or quarterly activation limits. This means you can use it to make your purchases and earn this flat rate reward for every dollar you spend.
It doesn't get any easier, and it's one of the biggest advantages of this card.
Rewards earned with the Wells Fargo Active Cash® Card are part of the Wells Fargo Rewards program, which means you can redeem them in a number of ways. For example, you can do the following:
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This flexibility is good news for consumers who want more than one way to redeem cash rewards. However, you should note that some of the redemption options available are exclusive to Wells Fargo customers, including payments for Wells Fargo loan products and cash rewards at Wells Fargo ATMs.
New Wells Fargo Active Cash® cardholders receive a 0% APR on purchases and qualifying balance transfers for 15 months from account opening, followed by a variable 19.24%, 24.24% or 29.24%.
It's not Wells Fargo's longest open APR (that honor goes to the Wells Fargo Reflect® Card), but if you're looking to save on interest in the short term, it's a very good deal.
Pay your phone bill with the Wells Fargo Active Cash® Card and qualify for cell phone protection. This benefit is worth up to $600 for a loss or theft claim, although there is a $25 deductible. There is a maximum of two claims per 12-month period.
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A Visa Signature Concierge can help you make travel or dining plans or provide other types of personal assistance. This benefit is free and offered 24 hours a day as long as you are a Wells Fargo Active Cash® Card customer.
If your credit card is lost or stolen, this protection can replace your card in just 24 hours.
This benefit includes a phone number you can call for assistance while on the road. For example, you can call Roadside Assistance for help with a flat tire, tire change or lockout service.
This benefit is offered 24 hours a day and is in the form of help desk. This hotline can help you with medical or legal referrals, emergency transportation, emergency translation services, and more. The service itself is free, but you are responsible for third party costs.
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The Wells Fargo Active Cash® Card has no annual fee, which is a big plus given the high rate of cash back rewards.
However, some additional fees may apply. For example, balance transfers and cash advances are charged and you may be charged a late fee or chargeback fee of up to $40. This card also charges 3% foreign transaction fees when making purchases abroad.
Limited time offer of 30,000 bonus points when you spend $1,500 in purchases within the first 3 months of account opening (offer expires 01/10/2023)
0% introductory APR on purchases and eligible balance transfers for 15 months from account opening (then 19.24%, 24.24% or 29.24% variable APR)
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0% introductory APR for purchases within 12 months from account opening (then 19.24%, 24.24% or 29.24% variable APR)
0% introductory APR for 18 months from account opening on purchases and eligible balance transfers (3-month extension of introductory APR with minimum on-time payment during introductory period) (then 17.24% - 29.24% variable APR)
1 point per dollar (1% cash back) when you shop, plus 1 point per dollar (1% cash back) when you pay your bill
1.5% cash back on top of your regular income on everything you buy up to $20,000 invested in the first year (worth up to $300 cash back)
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For balance transfers made within 4 months of account opening, the introductory APR for 18 months is 0%, then 18.24% - 28.24% variable
0% introductory APR on purchases and balance transfers for the first 15 months, then variable 18.74% - 27.49%
Is the Wells Fargo Active Cash Card worth it? Chevron symbol
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