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The Wells Fargo Active is a card that brings a number of benefits, ideal for those who want to take advantage of cashback on all purchases.
With 2% unlimited rewards, no complicated categories or activations, it’s perfect for anyone who wants to accumulate money back in a simple way.
In addition, you get a $200 bonus when you spend $500 in the first 3 months, which is an excellent advantage right from the start. Want to know more about the benefits of this card? Continue reading!
Wells Fargo Active Cash
2% cash rewards No annual feeHow does the Wells Fargo Active work?
Wells Fargo Active works in a simple and practical way. When using the card, you get 2% cashback on every purchase, without having to worry about spending categories or activations.
This means that no matter what you buy, you’ll get money back, which is great for anyone who wants to accumulate rewards without hassle.
Another important point is that the card offers a $200 bonus if you spend $500 in the first 3 months, which is a good incentive right from the start.
In addition, it has an initial period of 0% interest for 12 months on purchases and transfers balance, that is, if you need to install some purchase, you can do it without paying interest in this period.
After that time, the interest rate varies between 19.49% and 29.49%, depending on your credit profile.
And the best: there is no annual fee, which makes Wells Fargo Active a great option for anyone who wants a simple card with direct benefits and no extra costs.
Main benefits for the Wells Fargo Active
Wells Fargo Active offers a number of benefits that appeal to those looking for a hassle-free credit card. The biggest highlight is the 2% unlimited cashback on all purchases.
No matter what you buy, you will always get a reward back. Another benefit is the $200 bonus when you spend $500 in the first 3 months, which helps you start to take advantage of the card from the very beginning.
In addition, the card offers 0% interest for 12 months on purchases and balance transfers, which can be useful if you need to pay a purchase.
And best of all, there is no annual fee, which makes this card an excellent option for those looking for a good credit card without additional costs.
And for those who travel, it offers mobile phone protection and assistance in travel, which is a great differential.
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Cons for the Wells Fargo Active
Despite the many benefits, Wells Fargo Active has some drawbacks to consider. One is that after the period of 0% interest for 12 months, the interest rate can be high, ranging from 19.49% to 29.49%, depending on your credit profile.
This can be a problem if you are unable to pay the full balance of your invoice. In addition, the card charges a 3% fee on transactions made abroad, which can be an inconvenience for those who usually travel out.
Another disadvantage is that while cashback is a big plus, it doesn’t offer as many options to redeem rewards as some competitors. Finally, the card may not be ideal for those who need a very high credit limit or have a credit history with some restrictions.
APR and Fees
Wells Fargo Active offers an initial period of 0% interest for 12 months, both for purchases and for qualifying balance transfers.
This means that in the first 12 months you can make purchases or transfer balance without paying interest, which is a great advantage if you need to split up some expenses.
However, after this period, the interest rate (APR) will vary between 19.49% and 29.49%, depending on your credit profile.
Another important fee to consider is the 3% in international transactions, which can be a negative point for those who travel frequently.
How to apply for the Wells Fargo Active
Wells Fargo Active is a great option for anyone who wants to take advantage of unlimited cashback and a welcome bonus. To apply, it is important to have a good credit history, as this can facilitate approval.
This card is ideal for those who shop on a daily basis and want to earn rewards in a simple and uncomplicated way.
To apply, simply go to the Wells Fargo website, fill out a simple form with your personal data such as name, address, and financial information. After submitting your request, you will receive a response quickly.
If approved, the card will be sent to your address and you can start enjoying all the benefits it offers.
