Check my wells fargo credit card application

Not many cash-back credit cards earn 2% back on all purchases, so when a card joins the club, it’s a cause for celebration. The $0-annual-fee Wells Fargo Active Cash® Card, which became available in summer 2021, has much to offer: unlimited 2% cash back on all purchases, a sign-up bonus and a no-interest promotion on new purchases and balance transfers.

Taken together, that's a value proposition that's difficult if not impossible to find on other cards in its class. It makes the Wells Fargo Active Cash® Card an ideal match for those who prefer the ease of using one card whenever they shop.

True, other cards offer higher rewards rates in specific popular spending categories like grocery stores and restaurants. So if you’re a one-card kind of person, you’ll miss out on the chance to earn more.

Wells Fargo Active Cash® Card: Basics

Sign-up bonus: Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months.

Rewards: Unlimited 2% cash rewards on purchases.

Redemption options: Statement credit, withdrawal from Wells Fargo ATMs in $20 increments using a Wells Fargo ATM or debit card, direct deposit into a Wells Fargo checking or savings account, or a mailed paper check.

Interest rate: 0% intro APR on Purchases for 15 months and 0% intro APR on Balance Transfers 15 months from account opening on qualifying balance transfers, and then the ongoing APR of 19.24%, 24.24%, or 29.24% Variable APR.

Balance transfer fee: A balance transfer request must be made within 120 days from account opening to qualify for the introductory APR. A balance-transfer fee applies: either $5 or 3% of each balance transfer, whichever is greater, for 120 days from account opening. After that, a different fee applies; up to 5% for each balance transfer, with a minimum of $5.

Foreign transaction fee: 3%.

• Cell phone protection when customers pay their monthly cell phone bill with their Active Cash Card. (Protection is secondary to your other insurance that might apply, such as homeowners or auto insurance.)

• Access to Visa Concierge and Visa Signature Luxury Hotel Collection.

Benefits of the Wells Fargo Active Cash® Card

2% cash back, plus a sign-up bonus

Quite a few flat-rate cards earn 1.5% cash back, so if a card’s going to stand out, it has to stand apart. While the list of cards that earn 2% cash back is growing, the Wells Fargo Active Cash® Card differentiates itself in a big way with its sign-up bonus: Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months.. Depending on your spending, a 1.5% card typically tops a 2% card if it earns a sign-up bonus — and most other cards earning 2% back forgo the bonus entirely. In this regard, the Wells Fargo Active Cash® Card pulls ahead of the pack.

Annual fees may be the cost of entry for more premium rewards cards, but they do eat into these cards’ yearly value. The $0 annual fee makes this an easy card to hold onto for a long time.

Flexible redemption options

There are four ways you can redeem your cash-back rewards:

• A withdrawal from Wells Fargo ATMs in $20 increments using a Wells Fargo ATM or debit card.

• A direct deposit into a Wells Fargo checking or savings account.

The Wells Fargo Active Cash® Card is a top choice among flat-rate credit cards. Its rich yet straightforward rewards rate means it can be ideal as either a single-card solution or as part of a multicard system, and it comes with incentives not usually found on other 2%-back cards. In short, it's hard to beat.

We’re sorry, but something went wrong and we couldn’t find your approval odds. Instead, you’ll see recommended credit ranges from the issuers listed next to cards on our site to help you determine which cards you’re likely to be approved for.

It also helps if you have a Wells Fargo bank account, although this isn't required to get a credit card with Wells Fargo.

If you're interested in the requirements for a specific Wells Fargo credit card, you'll find all of them below.

Wells Fargo Active Cash® Card requirements

The Wells Fargo Active Cash® Card normally requires a FICO® Score of at least 670. It's even better to apply with a score of 700 or higher. This is one of the top cash back cards, and Wells Fargo can be selective about the applicants it approves.

According to the terms for this card, you may not qualify for it if you've opened another Wells Fargo card within the last six months. You also may not be eligible for any of its welcome offers if you've opened a Wells Fargo card within the last 15 months and received any type of welcome offer, including bonus rewards or a 0% intro APR.

READ MORE: Wells Fargo Active Cash® Card Review

Wells Fargo Reflect® Card requirements

The Wells Fargo Reflect® Card normally requires a FICO® Score of at least 670, and a score of 700 or higher is even better. This credit card has a long 0% intro APR on purchases and balance transfers, so it's designed for applicants with good to excellent credit.

This card's terms state you may not qualify if you've already opened a Wells Fargo card in the last six months. You also may not be eligible for its welcome offers if you've previously received any type of welcome offer on another Wells Fargo card in the last 15 months.

READ MORE: Wells Fargo Reflect® Card Review

Hotels.com® Rewards Visa® Credit Card requirements

The Hotels.com® Rewards Visa® Credit Card normally requires a FICO® Score of 670. This is a cobranded credit card that Wells Fargo offers with Hotels.com, and it's aimed at consumers with credit scores in the good credit to excellent credit ranges.

Unlike other Wells Fargo credit cards, this card's terms don't say that you may not qualify if you've already opened a Wells Fargo card in the last six months. Approval rules might be more relaxed for this card. However, its terms mention you may not be eligible for its welcome offer if you've already received a welcome offer on another Wells Fargo card in the last 15 months.

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