Myfico Forums Wells Fargo Visa Signatureã‚â® Card Review

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The Wells Fargo Agile Cash℠ Card is a standout greenbacks dorsum carte that's not bad for a one-card wallet. This no annual fee credit card too comes with a competitive greenbacks rewards sign-upwardly bonus and 0% intro April offering, further setting it apart from many of the top offers. Read our full Wells Fargo Active Greenbacks℠ Card review for an in-depth expect at all the pros and cons.

BEST OF 2022

Great for: 1-menu wallet

Intro APR

Purchases: 0% intro APR, xv months from business relationship opening

Balance Transfers: 0% intro APR, 15 months from account opening on qualifying balance transfers

Regular APR

15.24%-25.24% Variable April

• A standout cash back bill of fare with one of the highest unlimited rewards rates we've come up beyond. The inclusion of a hefty sign-up bonus and versatile 0% intro APR offer are the cherries on top.

• • Unlimited 2% greenbacks rewards
  • Long 0% intro Apr offer
  • Generous cash rewards sign-up bonus
  • No annual fee

  • No bonus categories
  • Foreign transaction fees
• • Earn a $200 greenbacks rewards bonus later on spending $ane,000 in purchases in the starting time 3 months
  • Earn unlimited 2% greenbacks rewards on purchases
  • 0% intro Apr for 15 months from account opening on purchases and qualifying balance transfers, then a 15.24% to 25.24% variable APR; balance transfers made inside 120 days qualify for the intro charge per unit and fee of 3% and so a BT fee of up to 5%, min: $v
  • $0 almanac fee
  • No categories to rails or recall and cash rewards don't expire every bit long as your account remains open
  • Relish a premium drove of benefits at a option of the globe'south almost intriguing and prestigious hotel properties with Visa Signature Concierge
  • Go upward to $600 protection on your cell telephone (subject to $25 deductible) against covered impairment or theft when you lot pay your monthly cellular telephone bill with your Wells Fargo Agile Cash℠ Carte
  • Select "Apply Now" to acquire more nigh the production features, terms and conditions

Wells Fargo Active Greenbacks Card review

This credit card is a proficient fit for: Cardholders who desire one card for everything, all with no almanac fee.

Top perks

The Wells Fargo Active Greenbacks℠ Carte ticks all the typical rewards menu boxes with everything from purchase rewards to a long 0% intro APR offer.

Unlimited 2% cash rewards

Cardholders earn unlimited two% greenbacks rewards on purchases, with no categories to actuate or earnings limits to rails. While there are a few other greenbacks dorsum cards out there with the same rewards rate, the Wells Fargo Active Cash℠ Carte stands out with its simplicity.

When you're comparing credit cards with similar cash back, you'll see that most have some sort of take hold of. Yous either accept to redeem your rewards in a specific fashion, or at that place are multiple steps to earn the total amount. The Wells Fargo Active Cash℠ Menu doesn't practise whatever of that. You'll earn the aforementioned cash rewards on purchases when you make it, and you lot can redeem those rewards for everything from statement credits to gift cards.

$200 cash rewards sign-upward bonus

New Wells Fargo Agile Greenbacks℠ Carte du jour holders can earn a $200 cash rewards sign-up bonus for spending just $one,000 on their card in the kickoff three months. Not only is this a very competitive sign-up bonus for a bill of fare with no almanac fee, merely it's too i of the things that sets this Wells Fargo credit bill of fare autonomously from other cash back cards.

Long 0% April intro offer

Another matter that makes the Wells Fargo Active Cash℠ Card different from other cash back credit cards is the 0% intro APR carte du jour offers. New cardholders tin savour 0% intro Apr on both new purchases and eligible balance transfers for a full fifteen months. That's a great offering, even when compared to cards marketed just for a 0% intro APR.

Keep in heed that only balance transfers made inside the first 120 days will qualify for the reduced interest charge per unit. There's besides a remainder transfer fee that will apply to all transfers.

No annual fee

In many cases, loftier rewards rates mean high annual fees. Non with the Wells Fargo Agile Cash℠ Menu. The carte has no annual fee, which means you won't need to pay simply to keep your account open.

While having no annual fee is great for any cardholder, information technology's really ideal for rewards maximizers who want the Wells Fargo Agile Greenbacks℠ Card for those few purchases that don't fit neatly into normal bonus categories. You'll be able to hang on to the card with no annual fee, fifty-fifty if you're not using it every mean solar day.

Cellphone protection

With the price of a typical cellphone in the hundreds of dollars, having some sort of insurance is a good thought. With this Wells Fargo card, you tin become built-in cellphone protection but by paying your cellphone beak with your card. The protection covers your phone in the event of theft, impairment, or "involuntary and accidental departing." You can get up to $600 per merits -- minus a $25 deductible -- and up to ii claims per 12-month flow.

Alternatives to consider

• If you want unlimited cash back plus bonus categories: The Hunt Freedom Unlimited® is a solid unlimited cash back rewards bill of fare with ane.5% dorsum outside of bonus categories. The bonus rewards categories tin can exist particularly lucrative, much similar its sign-up bonus.
• If you want big rewards on everyday purchases: The Blueish Greenbacks Preferred® Card from American Express packs a ton of cash back rewards into its $95 almanac fee (see rates and fees). Users earn 6% cash dorsum at U.South. supermarkets ($six,000 annual purchase cap), plus 6% dorsum on select streaming services and 3% back on transit and U.S. gas stations. Terms apply.

As of Apr. 19, 2022

Hunt Freedom Unlimited®	Blue Cash Preferred® Card from American Express
Rating prototype, five.00 out of 5 stars. 5.00 stars Nosotros desire your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. Our ratings are based on a v star scale. v stars equals Best. 4 stars equals Excellent. three stars equals Good. 2 stars equals Off-white. 1 star equals Poor.	Rating image, v.00 out of 5 stars. v.00 stars We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. Our ratings are based on a 5 star scale. v stars equals Best. iv stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.
Utilize Now for Chase Freedom Unlimited® On Chase's Secure Website.	Apply Now for Blueish Cash Preferred® Carte from American Express On American Express' Secure Website. Terms apply
Read Total Review	Read Full Review
	Rates & Fees
Credit Rating Requirement: Good/First-class (670-850)	Credit Rating Requirement: Good/Excellent (670-850)
Welcome Offer: Earn an additional 1.5% cash back	Welcome Offering: $300 statement credit
Rewards Programme: 1.5% - v% cash back	Rewards Program: 1% - vi% greenbacks back
Intro Apr: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months	Intro Apr: Purchases: 0%, 12 months Residual Transfers: North/A
Regular Apr: 14.99% - 23.74% Variable	Regular April: 14.24%-24.24% Variable
Annual Fee: $0	Annual Fee: $0 introductory annual fee for the first yr, and so $95.
Highlights: INTRO OFFER: Earn an boosted 1.5% greenbacks back on everything y'all buy (on up to $20,000 spent in the first year) - worth upwards to $300 cash dorsum! Savour six.5% greenbacks back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you lot redeem rewards for cash dorsum, travel, souvenir cards and more than; 4.5% greenbacks back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first yr). After your first year or $twenty,000 spent, savour five% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited ane.5% cash dorsum on all other purchases. No minimum to redeem for greenbacks dorsum. Yous can cull to receive a argument credit or directly deposit into most U.S. checking and savings accounts. Greenbacks Back rewards practice non elapse as long as your account is open! Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, so a variable April of xiv.99% - 23.74%. No annual fee – Y'all won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to you lot	Highlights: Earn a $300 statement credit after you lot spend $3,000 in purchases on your new Carte within the outset half dozen months. $0 intro annual fee for the showtime yr, and so $95. Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to dissever up large purchases into monthly installments. Pay $0 program fees on plans created during the first 12 months after account opening. Plans created afterwards that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the programme elapsing, the APR that would otherwise utilize to the buy, and other factors. Low intro April: 0% for 12 months on purchases from the date of account opening, then a variable rate, 14.24% to 24.24% half dozen% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (and then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Greenbacks Back at U.Due south. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases. Cash Back is received in the class of Reward Dollars that can exist redeemed equally a statement credit. Terms Employ.
Apply Now for Chase Liberty Unlimited® On Hunt'due south Secure Website.	Apply Now for Bluish Cash Preferred® Card from American Express On American Express' Secure Website. Terms use
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What could exist improved

While the Wells Fargo Active Greenbacks℠ Carte has a lot of perks, it does have a scattering of drawbacks, too.

No bonus rewards categories

Although you earn unlimited cash rewards on purchases, that's it. You won't earn higher rates for certain purchases. This isn't a surprise, of form, as the Wells Fargo Active Greenbacks℠ Carte is a flat-rate unlimited cash back carte by design. However, it'south definitely a drawback to anyone who wants to maximize their credit card rewards with a credit card that offers bonus cash back for certain purchases.

Foreign transaction fee

If yous're thinking of taking this credit carte on your next trip abroad, think once more. The carte includes a iii% foreign transaction fee for any purchases made in a foreign currency. And you don't need to travel to wind up paying this fee; some online purchases could exist in a strange currency, particularly on crowdfunding sites.

Find the all-time credit bill of fare for your needs

Compare credit card rewards, fees, APRs, and more than using our side-by-side comparing tool.

Suggested Wells Fargo Active Cash Card credit score

The Wells Fargo Active Cash℠ Bill of fare is best for applicants with good credit, which typically means a credit score of 670 or higher. A credit score above 700 will give you even better chances of approving. Still, think that issuers look at more than than your credit score when evaluating your carte du jour application, including your income and full credit history.

This card is right for you if:

The Wells Fargo Agile Cash℠ Menu is a stand up-out flat-rate rewards menu with one of the all-time cash rewards programs out there.

To top information technology off, the bill of fare comes with a big greenbacks rewards sign-upwards bonus and a competitive 0% intro Apr offer. While the carte doesn't have a lot of secondary cardholder benefits, it doesn't charge an annual fee, either. All in all, the Wells Fargo Agile Cash℠ Card is a quality pick for ane-card wallets.

FAQs

• The credit limit for the Wells Fargo Active Cash℠ Carte typically ranges from $ane,000 to $twenty,000 or more, based on user reports we reviewed. Credit limits vary by cardholder and depend on several factors, including annual income and credit history.

• This card usually isn't hard to get for consumers with practiced credit. A FICO® Score of 670 gives you high approving odds.

• Yes, you can use this carte du jour internationally. It charges a iii% foreign currency conversion fee for each transaction converted to U.S. dollars.

The Motley Fool owns shares of and recommends Visa.

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Source: https://www.fool.com/the-ascent/credit-cards/wells-fargo-active-cash-card-review/