Why You Must Experience Wells Fargo Rewards At Least Once In Your Lifetime | wells fargo rewards

There are accomplice offers featured in this article.

The Wells Fargo Active Cash℠ Agenda is a extensive agenda with an absorbing aggregate of characteristics. With a collapsed 2% cash-rewards bulk on purchases, this agenda has one of the accomplished accessible collapsed ante of all banknote rewards acclaim cards on the market.

Though it may not be the best best for biking or for cardholders with fair or bound credit, it stands out not alone with its banknote rewards program, but additionally its acceptable benefit and anterior APR. And while you may be able to get college ante with added cards by absorption on assertive spending categories, if you bulk simplicity, the Wells Fargo Active Banknote with a $0 anniversary fee is a abundant choice.

Below we'll dive added into the banknote rewards program, acceptable bonus, anterior APR action and added details. We'll additionally advance a few added cards to supplement the Wells Fargo Active Banknote Card.

Intro OfferEarn a $200 banknote rewards benefit afterwards spending $1,000 in purchases in the aboriginal 3 months

APR15.24% - 25.24% Capricious APR

Recommended Acclaim Excellent, Good

Annual Fee$0

Intro Acquirement APR0% addition APR for 15 months from anniversary opening

Intro Antithesis Alteration APR0% addition APR for 15 months from anniversary aperture on condoning antithesis transfers

Balance Alteration Fee up to 5%; min: $5

Balance Alteration APR15.24% - 25.24% Capricious APR

Foreign Transaction Fees 3%

Penalty APR None

We affection Wells Fargo on our lists for best acclaim cards with no anniversary fee and for cash-back acclaim cards because of its aerial collapsed cash-rewards bulk and simple rewards structure.

While best acclaim cards action a 1% or alike 1.5% cash-back bulk on all purchases, this agenda offers an absolute 2% banknote rewards on purchases. There is a admonition admitting -- you can redeem your banknote rewards for "cash" in $25 increments over the buzz or online, and at a minimum of $20 via a Wells Fargo ATM or debit card. "Cash" accretion can booty the anatomy of a acclaim on your announcement statement, a drop into a condoning Wells Fargo blockage or accumulation anniversary or via a cardboard check. 

As a way about the minimum threshold, you can redeem your credibility for accurate purchases as baby as $1 as continued as you accept abundant banknote rewards to awning the acquirement in full. Alternatively, you can redeem your rewards as travel, accommodating donations, allowance cards (in $25 increments) or commodity through your account.

You can acquire a $200 banknote rewards acceptable benefit afterwards spending $1,000 on purchases with your Wells Fargo Active Banknote Agenda aural the aboriginal three months of anniversary opening. While this acceptable benefit doesn't accept the accomplished nominal bulk on the market, nor the everyman spending beginning to alleviate it, it's a actual acceptable arrangement of rewards to spending. If you're accurately absorbed in award a abundant addition action value, analysis out our picks for the best acceptable bonuses.

The cash-rewards acceptable benefit will be redeemable through your anniversary one or two announcement periods afterwards it is earned.

Another big draw of the Wells Fargo Active Banknote Agenda is the anterior 0% APR on purchases and condoning antithesis transfers, which lasts for 15 months from anniversary opening. Afterwards that, your capricious APR will be 15.24% to 25.24%, depending on your credit. This affection makes the agenda a acceptable advantage if you appetite to accounts a ample acquirement and advance out the payments -- but be alert of authoritative accuse you can't afford.

While your 0% addition APR on purchases is accurate for the aboriginal 15 months from anniversary opening, you can alone accomplish a condoning antithesis alteration aural 120 canicule of anniversary aperture for the 0% anterior APR to apply. But you don't get 15 months from the date of antithesis alteration -- the alarm starts active aback you get accustomed for the card. 

For example, if your antithesis alteration is accomplished three months afterwards aperture the account, you'll alone be adequate the actual 12 months of 0% anterior APR on that antithesis (15.24% - 25.24% capricious APR thereafter). And if your antithesis alteration isn't accomplished until bristles months afterwards anniversary opening, you won't accept any anterior 0% APR on that balance, aback it's alfresco the 120 day window.

There aren't abounding hidden allowances with this agenda -- what you see is what you get. The banknote rewards, acceptable benefit and anterior APR awning the bases. You do get up to $600 in corpuscle buzz accident or annexation aegis afterwards a $25 deductible, as continued as you pay your bill with your Wells Fargo Active Banknote Card.

The Citi Double Banknote Agenda is agnate to the Wells Fargo Active Banknote Agenda -- both action a collapsed 2% cash-rewards rate. With the Double Banknote Card, however, you acquire 1% aback you accomplish the acquirement and the added 1% aback you accomplish the payment. So while you can acquire the aforementioned rewards rate, it's not as aboveboard or immediate. You additionally get 18 months of 0% anterior APR on antithesis transfers with the Double Banknote Agenda (then a capricious APR of 14.24% to 24.24%; antithesis transfers charge be completed aural the aboriginal four months of anniversary opening). While this is best than the time anatomy of the Wells Fargo offer, it doesn't administer to purchases.

The Chase Freedom Absolute is a abundant cash-back agenda for best people. Admitting its cash-back affairs is a little added complex than Wells Fargo, abounding may be able to net added rewards overall. You'll get 5% banknote aback on biking appointed through Chase Ultimate Rewards, 3% banknote aback on dining and drugstores, and 1.5% on all added purchases. While the across-the-board bulk is a little lower than that of the Active Banknote Card, the bumps on added spending categories may accomplish up for it. You can additionally acquire a admired acceptable benefit and commensurable anterior APR with this card.

Check out all of the capacity in our abounding analysis of the Chase Freedom Unlimited.

How do cash-back acclaim cards work?

Cash-back acclaim cards action cardholders rewards on their spending in the anatomy of annual credits or cash. A annual acclaim is a abridgement in the bulk due to the acclaim agenda aggregation on your annual bill. Note that rewards are not consistently accessible the ages you acquire them -- they are usually activated to your antithesis by acclaim agenda issuers afterwards one or two announcement cycles.

The accretion action for cash-back acclaim cards is either automated or actual simple. Some cards automatically administer banknote rewards to your annual antithesis anniversary month. Others crave you to log in and redeem accessible rewards credibility for annual credits. Best credibility don't expire, but you will lose them if you abutting the anniversary afore redeeming them. 

What types of cash-back acclaim cards are there?

Cash-back acclaim cards about abatement into four primary categories: flat-rate, tiered, alternating or accept your own. 

Flat-rate cards action the aforementioned bulk for every purchase. Tiered cards action a altered rewards bulk for altered categories of spending. Alternating class cards action altered rewards anniversary quarter, bent by the agenda issuer. Choose-your-own class cards acquiesce you to accept your rewards category.

How do you accept a cash-back acclaim card?

To accept the best cash-back acclaim agenda for you, the best important affair is to accept a bright abstraction of how you're already spending money anniversary month. Once you analyze the categories area you accept the highest, best constant spending, use the archive in our annual to actuate which agenda will net you the accomplished return. Consider added appearance of the cards, too, such as APR, sign-on bonuses and adopted transaction fees -- accomplish abiding you get article that fits with your affairs and spending habits.

Your acclaim agenda best may additionally be afflicted by your acclaim score. Best of the cards we acclaim crave a acceptable or accomplished acclaim score, which is about about 670 or higher. If you don't accommodated the acclaim belief required, there are acclaim cards accessible that are accurately for those aggravating to clean credit, like secured acclaim cards. Alternatively, you can attending into the best acclaim cards for no credit and the best acclaim cards for bad credit.

We analysis the cards that are in the accomplished appeal and action the best benefits. We abrade the accomplished book so there aren't any surprises aback you accessible an account. We acquisition the key factors that accomplish a agenda angle out and analyze them with added top cards. That way, readers can opt for a altered agenda with agnate appearance if our aces isn't appropriate for them. Our reviews are consistently arrested and adapted to absorb new recommendations, as able-bodied as to reflect changes in offers and the market.

The beat agreeable on this folio is based alone on objective, absolute assessments by our writers and is not afflicted by announcement or partnerships. It has not been provided or commissioned by any third party. However, we may accept advantage aback you bang on links to articles or casework offered by our partners.

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