What credit score do I need to apply for the Wells Fargo Active Cash Card?

Wells Fargo typically approves Active Cash Card applicants with good to excellent credit — a FICO score of 670 or higher. Wells Fargo looks at your overall credit profile: existing credit lines, on-time payment history, and income relative to existing debt.

Does Wells Fargo do a hard credit pull on the Active Cash Card?

Yes. Wells Fargo performs a hard credit inquiry on Active Cash Card applications, which may temporarily lower your credit score by a few points. The card has no annual fee, so the trade-off is minimal.

How long does Wells Fargo take to approve the Active Cash Card?

Most applicants receive a decision in minutes. In some cases Wells Fargo may request additional documents and approval can take a few business days.

What if my Wells Fargo Active Cash Card application is denied?

Wells Fargo sends a written notice with the reason. You can call the reconsideration line, improve your profile (lower utilization, increase income proof), or apply for a different flat-rate cash back card like Citi Double Cash or Capital One Quicksilver. We list a few alternatives below.

How to Apply for the Wells Fargo Active Cash Card

Q: Do I need to be an existing Wells Fargo customer to apply?

No. The Wells Fargo Active Cash Card is available to both existing Wells Fargo customers and non-customers. Anyone with a U.S. address, Social Security Number, and qualifying credit profile can apply.

Wells Fargo Active Cash Card eligibility

The Wells Fargo Active Cash Card is open to U.S. residents with good to excellent credit. Wells Fargo typically looks for a FICO score of 670 or higher, a steady source of income, and a clean payment history. You also need a U.S. mailing address and a Social Security Number — Wells Fargo generally does not accept ITIN on this card. Unlike some bank-issued cards, you do not need to be an existing Wells Fargo customer to apply.

Approval is also influenced by your overall credit profile. Wells Fargo considers existing credit lines, utilization across all accounts, payment history, and the ratio between income and current debt. Because the card has no annual fee, the financial risk of applying is minimal — at worst, a hard credit inquiry that ages out of your credit report over time. There is also no penalty APR and no fee for adding authorized users.

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How to apply for the Wells Fargo Active Cash Card step by step

The Wells Fargo Active Cash Card application takes a few minutes if you have your documents ready. The application is online, and most applicants receive a decision in minutes. Here is what to expect from start to finish:

Visit the official Wells Fargo Active Cash Card application. Tap the apply button below to be redirected to the official Wells Fargo application page. Hirezaa does not collect personal data — Wells Fargo does.
Confirm eligibility. Review the criteria: good to excellent credit (FICO 670+), U.S. residency, a Social Security Number, and a verifiable source of income. If unsure, run a free credit check before applying.
Enter personal information. Provide your legal name, U.S. mailing address, Social Security Number, date of birth, and a verifiable source of income. Wells Fargo will run a hard credit inquiry as part of the application.
Submit and get a decision. Most applicants receive a decision in minutes. In some cases Wells Fargo may request additional documents, and approval can take a few business days.

Apply for the Wells Fargo Active Cash Card

What you need before applying

Before starting the Wells Fargo Active Cash Card application, gather these items:

Social Security Number (SSN). Wells Fargo requires SSN — ITIN is generally not accepted.
U.S. mailing address. Your residential address — not a PO box.
Source of income. Pay stubs, tax return, or bank statements showing regular inflows. Wells Fargo looks at debt-to-income ratio.
Welcome bonus plan. Map out which $500 in spend you'll route through the card in the first 3 months — easy to hit with grocery, gas, phone bill, or routine recurring expenses.
Government-issued ID. Driver license, state ID, or passport for identity verification.

Who is the Wells Fargo Active Cash Card for

The Wells Fargo Active Cash Card is built for someone who wants a simple primary credit card with 2% cash back on everything. It's the strongest no-strings option for cardholders who don't want to track quarterly rotating categories (Discover It Cashback), monitor activation deadlines, or pair multiple cards by spend category. The flat 2% earn rate is the highest no-strings cash back on a $0-annual-fee Visa, and the $200 welcome bonus is achievable with $500 in normal spend over 3 months.

The Wells Fargo Active Cash Card is also a strong second-card pairing for someone who already holds a category-specific card (like Amex Gold's 4X on restaurants/supermarkets) and wants flat 2% on the leftover categories where the primary card only earns 1X. Pair an Amex Gold with a Wells Fargo Active Cash, and almost every purchase earns at least 2% — the cleanest 2-card stack for most U.S. households.

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Frequently asked questions

Wells Fargo typically approves Autograph Card applicants with good to excellent credit — a FICO score of 670 or higher. Wells Fargo also looks at your overall credit profile: existing credit lines, on-time payment history, and income relative to existing debt.

Bottom line on applying for the Wells Fargo Active Cash Card

If you want a credit card with no annual fee that earns at premium-card rates on six common spend categories, the Wells Fargo Active Cash Card is the strongest option you can apply to in 2026. The $0 annual fee removes any year-one cost, the 20,000-point welcome bonus is pure upside after $1,000 in baseline spend, and the 3X earn rate on restaurants, travel, gas, transit, streaming, and phone plans is the broadest no-annual-fee bonus structure on the market. Combined with no foreign transaction fees and travel transfer partners, the Wells Fargo Active Cash credit card is a credible primary Wells Fargo credit card for most cardholders.

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Sources: Wells Fargo Active Cash Card official page · NerdWallet: Wells Fargo Active Cash review