Wells Fargo Credit Card 0 Bonus Offer – Wells Fargo Active Cash is a great card for those who aren’t interested in bonus categories.
Why we like this card: The best feature of the Wells Fargo Active Cash® Card is its 2% cash back on all purchases. Add to its solid benefits like cell phone insurance and a long introductory 0% APR terms, and it’s one of the best no-annual-fee credit cards on the market.
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Wells Fargo Active Cash ranks #1 in its class among no-annual-fee credit cards. And that says something—competition in this category is fierce. But with excellent cash back on all purchases and an intro APR that dwarfs many other cards, it’s a good choice for those for whom cash back is the main purpose of a credit card.
Wells Fargo Active Cash Card Review: 2% Cash Back With A Bonus
Wells Fargo Active Cash is a great card for those who aren’t interested in bonus categories. The card offers unlimited 2% cash back on all purchases.
That’s a solid return on your spending, and it’s higher than the base rate of return you’ll find on most other cards, even those that charge an annual fee.
If you’re looking for the wrong way to earn cash back quickly, Wells Fargo Active Cash is perfect for your goals.
However, the simplicity of this card’s rewards structure may turn off anyone who doesn’t care about the bonus categories for short-term earnings boosts, etc. Other cards offer higher rewards in certain categories, such as restaurants, supermarkets, travel, etc.
How The Wells Fargo Active Cash Card Stacks Up Against The Competition
Wells Fargo Active Cash offers a $200 cash back bonus after you spend $500 on purchases within the first three months of account opening. This is above average for a credit card with no annual fee.
Wells Fargo cash back can be used in a variety of ways. You will always receive the same value no matter how you choose to pay them off.
You can redeem your rewards online as credit toward purchases you’ve already made, completely removing previous transactions from your account. You can redeem as little as $1 at a time, which is a big advantage over several competing cash back cards that typically have a minimum spend of around $25.
The only caveat is that you must have enough rewards to cover the full amount of any transaction you are trying to change. Please also note that this repayment does not count as
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If you have other loans with Wells Fargo, you can use your rewards for loans on those accounts as well. If you have a mortgage, personal loan or credit product, your fees will be applied toward your principal. Again, this does not count as payment.
You can redeem your rewards online or over the phone in $25 increments. You can also redeem your rewards at a Wells Fargo ATM in $20 increments.
To redeem rewards at an ATM, you will also need a debit card or ATM card issued by Wells Fargo.
Wells Fargo gives you the ability to redeem rewards for gift cards from popular merchants at a variety of rates. Although this is a popular choice, it is not a very smart one.
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Here’s why: When you buy a gift card with your credit card, you’ll earn rewards for that purchase. But when you exchange money for a gift card, you don’t use it to make a purchase and lose the gift. It’s best to buy the gift cards you want and then redeem your gifts using the Redeem on Purchase feature to lower the price.
Pay with Gift is a great feature that lets you make purchases from millions of stores using PayPal. You can use rewards at checkout to reduce the price of your cart.
Exchange of money for online purchases is also disadvantageous for purchasing gift cards. It’s better to deposit items into Wells Fargo Active Money and then redeem your statement rewards later. However, if you don’t have enough rewards to cover the upfront costs, Pay With Rewards may be a viable option.
Wells Fargo Active Cash has several features that are especially useful for a no annual fee credit card:
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There are many benefits to Wells Fargo Active Cash. Its 2% return rate makes it a strong contender for everyday shopping; its simple repayment options require no training and are simple and easy enough to achieve any goals; Cell phone protection at the highest level.
If you want to earn rewards for your spending with a little effort, this is the card for you.
However, if you don’t mind spending a little more effort, there are better rewards credit cards available. Some credit cards earn points that can be transferred to airfare and hotels for (almost) free travel. Some offer helpful information credits that can help you save on everyday purchases.
Before you head to Wells Fargo Active Cash, there are a few more credit cards you should consider. With similar earning rates and easy-to-use rewards, these cards offer versatility that Wells Fargo Active Cash doesn’t have.
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The Citi® Double Cash Card is a $0 annual fee credit card that earns 1% back on all purchases and 1% cash back on those purchases. In other words, you’ll earn 2% on all purchases – just like Wells Fargo Active Cash.
To get you started, Citi Double Cash offers an attractive introductory APR terms with a 0% intro APR on balance transfers for 18 months (after that, a variable APR of 19.24-29.24%, depending on your creditworthiness).
Earn Citi Thank you points that can be redeemed for cash at a rate of 1 cent each. But if you also have a Citi Premier® Card or a Citi Prestige® Card (not available to new applicants), you can transfer the rewards you earn with Citi Double Cash to airline and hotel partners like JetBlue, Singapore Airlines and Wyndham.
By spending it this way, you can earn more than 1 percent per unit value of your rewards. If you want to keep it simple and earn cash back, the card is still worth considering.
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If you’d rather earn travel rewards instead of cash back, the Capital One Venture Rewards Credit Card offers the same cash back rate as Wells Fargo Active Cash. You’ll earn 2 Capital One Miles per dollar on all purchases and 5 miles per dollar on car and hotel rental bookings through Capital One Travel. You can redeem your miles at a rate of 1 cent apiece to pay for any trip, or transfer them to travel partners for cheaper airfare and hotel stays.
This travel credit card charges an annual fee of $95. But it has a few features that Wells Fargo Active Cash can’t compete with, such as:
The Wells Fargo Active Cash® Card is easy to find. When it comes to gift credit cards, it’s best not to apply unless you have a “good” credit score. FICO states that to be considered good, your credit score must be at least 670.
Yes, the Wells Fargo Active Cash® Card is a credit card that offers cash back on certain types of purchases.
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Wells Fargo Active Cash is a credit card with no annual fee. You will pay for the card if you are charged fees such as interest, balance transfer fees, upfront fees, etc.
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Wells Fargo Active Cash Vs. Citi Double Cash: Which 2% Back Card Is Better?
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