10 Active Cash Card Benefits That You Didn’t Know About
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Written by
Angela Mae
The Wells Fargo Active Cash® Card 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 has a introductory annual percentage rate (APR) and $0 annual fee that make it a solid everyday credit card.
If you’re looking for a straightforward credit card that lets you earn cash back on regular purchases without the hassle of categories, this one could be a good choice. You can even add it to your existing collection of cards to maximize your benefits.
Before you decide, these are the Active Cash Card benefits that you might not know about.
1. Earn 2% Cash Rewards On Everyday Purchases
Earn unlimited 2% cash rewards on every $1 you spend. There aren’t any spending categories; this 2% applies to all purchases. There also aren’t any limited-time offers or quarterly activation requirements, meaning you can earn cash rewards anytime for as long as you have the card.
When it comes to redeeming your Active Cash Card points, you can:
- Request a statement credit ($1 redemption minimum)
- Redeem them as a credit toward Wells Fargo loans or credit products
- Request cash back in the form of a gift card, cash, paper check or deposit ($20 to $25 minimum)
2. Low Intro APR
The Active Cash Card comes with 0% introductory APR for the first 12 months after opening an account. This intro rate applies to all purchases and qualifying balance transfers made during this time. After the intro period, a 19.24%, 24.24%, or 29.24% Variable APR will apply, based on your creditworthiness.
To get the introductory rate for balance transfers, you must request the transfer within 120 days of account opening. The balance transfer fee is 3% for 120 days from account opening, then up to 5%, min: $5.
3. No Annual Fee
As an added benefit of the Active Cash Card, there’s no annual fee. This combined with the low intro APR makes this card more affordable than many other cash back credit cards.
4. $200 Welcome Bonus
You can earn $200 in cash rewards when you open an account and spend at least $500 in the first three months. 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
If your cell phone is seriously damaged, or stolen, file a claim and Wells Fargo will reimburse you up to $600. You can file two claims a year, each with a $25 deductible.
To qualify for cell phone protection, you’ll need to pay your monthly cell phone bill using your Active Cash Card. Any coverage may also be secondary to existing insurance policies — like renters or homeowners insurance.
6. Car Rental Protection
Get up to $50,000 in auto rental collision protection. Available worldwide (except in Ireland, Jamaica and Israel), this coverage protects you in the event of theft or accidents in a rental car.
To be eligible, you must charge the car rental to your Active Cash Card or associated rewards program. You must also skip the rental company’s collision loss/damage waiver or insurance.
7. Visa Perks
The following Visa perks are another Active Cash Card benefit:
- Visa Signature Luxury Hotel Collection: Become eligible for room upgrades, $25 in food and beverage credits, complimentary breakfasts, late check-out and more when reserving accommodations at select hotels. Brands include Park Hyatt, Peninsula, and Shangri-La.
- Visa Concierge: Get 24/7 assistance with booking travel, dinner reservations, event tickets and more.
8. Travel and Emergency Services
The Active Cash Card also features 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 benefit from these services.
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 1-800-992-6029 (if within the U.S.) or 1-804-673-1675 (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 1-800-847-2869 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
Enroll in Credit Close-Up to monitor your FICO Score. This is a free service when you sign up for Wells Fargo Online. It’s also a great way to keep track of your credit score and find ways to improve it.
Takeaway
In addition to being a solid everyday credit card, the 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 and loan products. So, if you’re already a Wells Fargo member — or you’re interested in becoming one — this card is worth considering. To learn more, read our Active Cash Card Review.
Frequently Asked Questions
The Wells Fargo Active Cash® Card takes a straightforward approach to earning and redeeming rewards. These answers to some frequently asked questions will help you decide if it’s the right card for you.
What rewards does the Active Cash Card have?
The Active Cash Card comes with 2% cash rewards on everyday purchases. There aren’t any category limits. For every dollar spent using the card, simply receive 2% back – it’s that easy.
What are the benefits of a Wells Fargo credit card?
This card comes with an array of other benefits, including a welcome offer valued at $200, low introductory APR, and no annual fee. It also features rental car protection, travel and emergency services, and several Visa perks, including travel booking assistance and room upgrades.
What is the highest credit limit for the Active Cash Card?
Credit limits vary based on several factors, including credit score and income. Your limit could be as low as, say, $1,000. 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.
How hard is it to get an Active Cash Card?
Wells Fargo doesn’t specifically list its requirements for the Active Cash credit card. However, you’ll typically need good credit – 670 FICO – or better to qualify. You will qualify for a lower interest rate and higher credit limit with excellent credit and income.
