What are the best Wells Fargo Active Cash credit card benefits?

Wells Fargo credit card requirements include having a credit score of 700+ (for most cards) and providing standard personal information such as your name, address, and date of birth. A Social Security Number (SSN) or an Individual Tax Identification Number (ITIN) is also required, and all applicants must be 18+ years old.… read full answer

Wells Fargo Credit Card Requirements

• General requirements: You must be at least 18 years old and have a physical U.S. address to be eligible for a Wells Fargo credit card. You will also need to provide your SSN or your ITIN. No minimum income stipulated, but be sure to include any sources of income outside of wages and retirement benefits, if applicable. Documents such as birth certificates, drivers’ licenses, and Social Security cards are not required, but in some instances, you may be asked to provide copies in order to verify your personal information.
• Wells Fargo Platinum card: Requires a credit score of 700, at a minimum. That means applicants need good credit or better.
• Wells Fargo Active Cash® Card: Requires a credit score of 700, at a minimum. That means applicants need good credit or better.
• Hotels.com® Rewards Visa® Credit Card: Requires a credit score of 700, at a minimum. That means applicants need good credit.

Wells Fargo also issues a number of retail store cards that generally have more lenient approval requirements, as applicants with fair credit or better (a score of 640) can get approved.

Other factors such as your income, debts, housing payments, and your general ability to afford credit card payments will also be taken into consideration when evaluating an application.

It’s also worth noting that you may not be eligible for introductory APR’s, fees and/or bonus rewards offers if you opened another Wells Fargo credit card within 15 months of your application.

If you want the best Wells Fargo credit card approval odds, make sure to pay your bills on time and try to keep your credit utilization around 30%. And bear in mind that an application will trigger a hard inquiry which may temporarily cause a dip in your credit score. So make sure you know where you stand before applying. You can check your credit score for free, right here on WalletHub.

The Wells Fargo cash advance fee is 5% (min $10) per transaction, whichever is higher. A cash advance fee is a fee charged when using a Wells Fargo credit card for cash withdrawals at an ATM, with a cash advance check, or in person at participating locations.

Bear in mind that when you do a cash advance, you will incur other costs in addition to the Wells Fargo cash advance fee. There’s a separate cash advance APR that applies immediately after you complete the transaction. The ATM owner may also impose additional charges.… read full answer

Wells Fargo rewards do not expire as long as the account is open and in good standing. You will forfeit any rewards you have yet to redeem if you or Wells Fargo closes your account for any reason.

Although Wells Fargo rewards don't expire until the account is closed, it's still a good idea to redeem your rewards as often as possible. Just bear in mind that Wells Fargo will not allow you to earn or redeem any rewards whenever you're late making the minimum payments.… read full answer