10 Wells Fargo Active Cash Card Benefits That You Didn’t Know About
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Written by
Angela Mae
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Edited by
Emily Gadd, CCC™
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Reviewed by
Jasmin Baron, CCC™
If you’re looking for a straightforward credit card that earns a high cash rewards rate on regular purchases without the hassle of tracking bonus categories, the Wells Fargo Active Cash® Card is an excellent choice.
It comes with a host of benefits, including 2% cash rewards on purchases, a welcome bonus, and an array of protections and other perks. It also offers an introductory annual percentage rate (APR) and $0 annual fee that make it a solid everyday cash-back credit card.
Before you decide, here are the Wells Fargo Active Cash benefits that you might not know about.
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1. Earn 2% Cash Rewards on Everyday Purchases
With the Wells Fargo Active Cash Card, you’ll earn unlimited 2% cash rewards on purchases. The card doesn’t have any bonus categories, limited-time offers or quarterly activation requirements, so it’s a good option for those looking for an easy-to-use 2% cash back credit card.
You’ve got plenty of ways to use your Wells Fargo rewards, including:
- Statement credit or deposit: Use for credits to offset your account balance or for deposits into a linked eligible Wells Fargo account
- ATM withdrawal: Redeem cash rewards at the ATM in $20 increments using your linked Wells Fargo ATM or debit card
- Book travel: Purchase airfare, hotels and more through Wells Fargo’s travel portal
- Online shopping: Pay with rewards at checkout after linking your account to PayPal
- Gift cards: Buy gift cards with rewards through your Wells Fargo account
2. Low Intro APR
New Active Cash Card members receive a 0% intro APR for 12 months from account opening on purchases and on qualifying balance transfers, then a 18.49%, 24.49%, or 28.49% Variable APR.
If you plan to use the card for a balance transfer, you must request the transfer within 120 days of account opening. The balance transfer fee is 3% intro for 120 days from account opening, then up to 5%, min: $5.
3. No Annual Fee
The Active Cash Card doesn’t charge an annual fee. This, combined with the low intro APR, makes this card more affordable than many other rewards credit cards.
4. $200 Welcome Bonus
The Wells Fargo Active Cash Card offers a welcome bonus of $200 in cash rewards after you spend $500 on purchases in the first three months of account opening. That’s a pretty standard offer for a no-annual-fee credit card.
You’ll be able to redeem this bonus within one or two billing periods after earning it. Just keep in mind that balance transfers don’t count toward the spending requirement.
5. Cell Phone Protection
Credit card cell phone insurance can save you a ton if your phone is damaged or stolen. When you pay your monthly wireless bill with the Wells Fargo Active Cash Card, you’ll receive up to $600 in coverage per claim (with a $25 deductible). There’s a maximum of two paid claims and $1,200 in reimbursement per 12-month period.
Note that coverage is secondary to existing insurance policies, such as renters’ or homeowners’ insurance.
6. Car Rental Insurance
When you use your Wells Fargo Active Cash Card to pay for your rental car and decline the rental company’s collision loss/damage insurance, you’ll receive up to $50,000 in auto rental collision protection. This rental car insurance is available worldwide (except in Ireland, Jamaica and Israel), and protects you in the event of theft or damage to your rental car.
Coverage is secondary in the U.S., which means it only covers costs not reimbursed by your personal auto policy, if you have one. Outside the U.S., coverage is primary.
7. Visa Signature Perks
The Active Cash Card comes with additional benefits as a Visa Signature® card:
- Visa Signature Luxury Hotel Collection: Bookings through this platform include room upgrades when available, $25 in food and beverage credits, complimentary breakfast for two, late check-out when available and more.
- Visa Signature Concierge: This service offers 24/7 assistance with booking travel, dinner reservations, event tickets and more. The service itself is complimentary, but any third-party costs are the responsibility of the cardholder.
8. Travel and Emergency Assistance Services
The Wells Fargo Active Cash Card also includes travel and emergency assistance services 24 hours a day, 365 days a year. The primary cardholder, their spouse and any dependents under the age of 22 may use this benefit.
Assistance includes:
- Medical referral assistance
- Legal referral assistance
- Emergency message service (while traveling)
- Emergency transportation assistance
- Emergency ticket replacement
- Emergency translation services
- Lost luggage locator service
- Prescription medication assistance
A Wells Fargo Benefit Administrator will connect you to the appropriate resource, but you’ll need to cover the cost of any actual services. Speak with a Benefit Administrator by calling 800-992-6029 (if within the U.S.) or 804-673-1675 (if not within the U.S.).
9. Roadside Assistance
If you need roadside assistance, Wells Fargo also has a program called Roadside Dispatch. This is a pay-per-use service with a set fee (dependent on the terms of your card). Simply call 800-847-2869, and a representative will assist you with what you need (24/7).
Roadside Dispatch includes:
- Fuel delivery (up to 5 gallons)
- Jump starting
- Lockout service (doesn’t require a key replacement)
- Tire change (if you have a spare)
- Towing (up to 5 miles)
- Standard winching
You don’t need to pay annual dues or enroll in advance. There are also no limits on how often you can request assistance through Roadside Dispatch.
10. Credit Monitoring
Cardholders can enroll in Wells Fargo Credit Close-Up to monitor their FICO credit score. This is a complimentary service for Wells Fargo Online customers. It’s also a great way to keep track of your credit score and find ways to improve it.
Bottom Line
In addition to being a solid everyday credit card, the Wells Fargo Active Cash Card has quite a few benefits. These include 2% cash rewards on all purchases, a $200 welcome bonus, intro APR, and many other protections and perks.
It’s also a hassle-free credit card with no annual fee that pairs nicely with other Wells Fargo credit cards and loan products. So, if you’re already a Wells Fargo customer — or you’re interested in becoming one — this card is worth considering.
Frequently Asked Questions About Wells Fargo Active Cash Benefits
What rewards does the Wells Fargo Active Cash Card earn?
The Active Cash Card earns 2% cash rewards on everyday purchases, with no bonus categories or spending caps to keep track of.
Does the Wells Fargo Active Cash Card offer travel insurance?
The Active Cash Card comes with modest travel coverage, including secondary car rental insurance and access to a travel and emergency assistance hotline. It also offers cell phone protection.
What is the highest credit limit for the Wells Fargo Active Cash Card?
Credit limits vary based on several factors, including credit score and income. Your limit could be as low as $1,000, according to the card’s terms and conditions. Or it could be much higher than that. If you receive a lower limit than you’d like, you may need to improve your credit score or financial situation and then request a higher limit. Wells Fargo may also automatically increase the credit limit over time.
Is the Wells Fargo Active Cash Card hard to get?
From what we’ve seen, you’ll typically need a good credit score or better (670 or higher on FICO’s scale) to be eligible to apply for the Active Cash Card. Wells Fargo will consider other factors, including your overall financial profile, when deciding whether to approve you for the card.
Does the Wells Fargo Active Cash Card charge foreign transaction fees?
Yes, the Wells Fargo Active Cash Card charges a 3% foreign transaction fee on purchases made outside the U.S. If you’re traveling internationally, consider using one of the best credit cards with no foreign transaction fees instead.
